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

I am filing a complaint regarding inaccurate and inconsistent information reported on my credit report by Equifax. The account with the account number [ XXXX ] is marked as a " Chargeoff '' in the account status. However, the payment history incorrectly shows " OK '' ( paid as agreed ) for every month up until XX/XX/XXXX, which contradicts the charge-off status. 

Additionally, the balance is reported as {$0.00}, but the past due amount is listed as {$3900.00}, which is inconsistent and misleading. The " Date of Last Payment '' and " Date Last Active '' are both shown as XX/XX/XXXX, yet the account was last reported as charged off in XX/XX/XXXX. 

These discrepancies indicate a failure to maintain accurate reporting, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation of a dispute.

15 U.S.C. 1681s-2 ( b ) : Failure of the data furnisher to update inaccurate information.

I request the CFPBs assistance in investigating this matter and ensuring that Equifax corrects the inaccuracies or removes the account from my credit report if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!
Product: Prepaid card

XXXX Received the card for a XXXX gift for something special I had wanted XXXX Shopped for my items and tore open the gift card the packaging seemed very secure as it took some time to get it open. 

I gave it to the store owner and he tried several times to swipe it through the system. 

I then asked if he could enter the number into the system manually when he tried to do this he noticed that part of the numbers were smeared out how could this happen when the packaging seemed so secure. 

I called the number on the back of the card 2 calls First gave me 2 numbers and told me to click on those on my phone I did so someone answered which seemed like it was from a foreign country then hung up. Also on the message was for me to go to vanilla XXXX which is not their official website and is fraudulent the right one is vanillagift.com per XXXX I called a 2nd time and received 2 different numbers to click on the phone ended up with someone who I am sure was in a foreign country I asked several times where she was located and she first told me the address of the company when I said I wanted to know where she was she said she wasnt allowed to say. 
I then told her my story very embarrassing as I am in the store and frustrated with her. She then told me she needed. My birthdate I said there was no reason for her to ask for this information how would it help her? She kept telling me she couldnt help me with a refund without that information I told her no she then asked for my email address which I did give her thinking it was not as big a deal.She then asked for my address I told her no she said there was no way to help me if I didnt provide the information I again stated I wouldnt she then told me she couldnt help me without it but there was probably no way for me to get a refund anyway. 

I finally ended up just paying with my credit card very embarrassed at the store. 

XXXX When I returened home I started to do research on-line and found the video from XXXX XXXX where the city attorney said they were suing the company. 

I told my cousin She has reached out to her credit card company, Somehow she has found out the card was used on XX/XX/XXXX my purchase was on XX/XX/XXXX I received it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I tried to make a payment on the due date at XXXX pm on XX/XX/23 to the bank for my XXXX card ( XXXXXXXX/Comenity ) and discover that's a cut off time XXXX, so if XXXX paying after XXXX on my due date it will post next day and the late fee if {$37.00} will apply. After that I checked my account I discovered that on XX/XX/23 I also was charged {$37.00}. And I paid my payment on my date due of XX/XX/23. I would like to know if this is legal or it is another way to get peoples money. Also, I never got any notification that on the due date there is an early cut of time. After calling and talking to customer service I was told that nothing could be done about it. I would like the late fee posted on XX/XX/23 to be refunded and late fee for XX/XX/23 not to be posted or refunded. 
Thank you for your consideration. 
XXXX XXXX
Product: Debt collection

I was in forbearance and my mortgage was with HUD from XX/XX/XXXX until it was sold to Ocwen FSB on XX/XX/XXXX with a Principal Balance of {$24.00}, XXXX. Payments were made to Ocwen FSB until the Principal Balance of {$5400.00} was transferred to PHH Mortgage on XX/XX/XXXX. On XX/XX/XXXX XXXX Mortgage increased the principal balance to {$10000.00}. Over several telephone calls between XX/XX/XXXX and the current date attempts have been made to find out why PHH has charged unnecessary fees totaling {$4800.00} for appraisals, inspections, certified mail and bankruptcy all of which never happened. PHH Mortgage also is claiming there is deferred interest in the amount of {$4700.00} of which only appeared once PHH acquired to servicing. During the transfer from Ocwen to PHH my XX/XX/XXXX payment was paid to Ocwen and PHH charged a {$690.00} Late Charge claiming the payment was not timely. PHH has been paid the principal balance, claims I owe a second and refuses to properly apply any payments made nor can I make payments online. I have two ( 2 ) separate detailed payments histories provided by PHH that goes back to when HUD serviced the mortgage and both are completely different.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX account # 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: Debt or credit management

Freedom Debt Relief is a scam and very misleading. If I knew what I known now, I would have never used them. I was told that my debts would not only be settled, but taken off my credit report once paid. Prior to signing my contract, I was never late on my debts, and only needed to consolidate my payments. XXXX XXXX told me to STOP paying my bills so they could go into charge off status which destroyed my credit and my score dropped over XXXX points! If I knew this, I would have NEVER used this program. Its very misleading and does more harm than good. I have tried calling the actual creditors for " pay to delete '' letters, but they will not take them off due to the misleading practices of Freedom Debt Relief. 

They have numerous negative reviews from the BBB and have since changed their name to Achieve. My credit report is riddled with closed/charge off accounts that have been paid off that will not be taken off for 7 years! These accounts should be taken off so I can finally have financial peace.
Product: Debt collection

The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information. 
Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution. 
And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices listed above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b. 

Thank you, 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

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX position with XXXX XXXX back in XXXX. In the onboarding process, I submitted a background check to Accurate at that time. I did not realize until Friday, XXXX when I received a call from Virginia with XXXX XXXX that I had something appearing on my background check and that I should check my email to see what the report provided from Accurate. I checked my email and there was another woman 's criminal information showing on my background who lived in XXXX, VA. In the remarks on the report it stated " verified by close name and close date of birth match. '' I have never lived in XXXX, VA ; nor done these crimes. My middle initial has never been M. I am not this person and she is not me.I reached back out to Accurate and filed a dispute on Monday, XXXX XXXX. I received a denial letter of employment because of this from Accurate on behalf of XXXX XXXX. I filed another dispute today, XXXX XXXX. I need to get this corrected and have this person 's information removed as soon as possible. Please let me know what I can provide or do to have this wrong and inaccurate information removed from my background check. This is not only affecting my employment with XXXX XXXX, but also XXXX where the background check with Accurate is currently pending.
Product: Credit reporting or other personal consumer reports

I have been in a dispute for months with Lobel Financial, they have been adding additional fees and incorrect reporting to an account. They will put negative reporting on your account, and then remove it and then place it back. I have contacted an an attorney who I will be paying to not only deal with that but also the dealership XXXX XXXX who gave me false paperwork implying the vehicle had been serviced regularly and it wasnt and had been driven over XXXX miles and now it cost XXXX to fix the engine.
Product: Checking or savings account

I have monthly payments scheduled using XXXX XXXX from Wells Fargo for the XXXX of each month to XXXX XXXX. My monthly payment is due on the XXXX of each month, so extra time to reach XXXX was allowed. My XXXX and XXXX payments were not sent until the XXXX. I have reached out to Wells Fargo and they say they did not do anything wrong, and followed my payment instructions. How can sending a payment on the XXXX be following my instructions to send it on the XXXX? You will see in the attached Proof of Payment documents that the payment was scheduled for the XXXX yet the checks are dated the XXXX. I was charged {$30.00} for the late XXXX payment, and {$41.00} plus {$2.00} interest for the late XXXX payment. I also reached out to XXXX to see if they would waive these fees and they refused. I believe Wells Fargo is responsible for these payments arriving late and should reimburse me.
Product: Debt collection

Lived in a XXXX apartment with two other residents. I moved out earlier than the two of them and let the office know. I let the two resident left in the apartment keep my portion of the deposit if needed for move out. Upon move out, there was a remaining balance of around {$110.00}. The remaining two residents failed to pay and it went to collections. Upon receiving notification I was on the collections account I let Genesis Collections know that I was not responsible and it will be the two other residents. One of the two residents paid the debt in full. However, Genesis Collections inadvertently created a separate debt account with my name only for the same debt of around {$110.00}. I did not know this until I received notification on my credit karma app the collections was added to my account. I called Genesis and they were adamant it was a separate debt, I told them they need to call the apartment because it is one single debt for three residents and have the account removed from my name. They said they would call management and get back to me. I never heard back and had to call on my own. First they said the debt was not reported to collection on my credit report. Then they confirmed they made a mistake and LUCE canceled the debt under my name individually as the {$110.00} was already paid by one of the residents under the lease agreement. I then asked them to remove it from my credit reporting and they said they cant or it will take 1-2 months. I asked for a letter confirming the cancellation, paid in full, and steps they are taking to remove the collections from my credit. I still have not received this confirmation.
Product: Credit reporting or other personal consumer reports

This morning, I was dismayed to see unauthorized inquiries on my credit report, which I can not account for. I frequently check my credit report, but this time, I noticed unexpected discrepancies. Even after refreshing my browser, the unauthorized inquiries persisted. I urgently request a detailed review of the documents I've provided to ensure this issue is resolved.
Product: Credit reporting or other personal consumer reports

This account was under the forbearance agreement and XXXX XXXX XXXX XXXX said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the XXXX XXXX XXXX XXXX  officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it
Product: Debt collection

Mid land continues to re age my account the XXXX XXXX debt was {$900.00}. They keep trying to increase the amount and keep changing the account open date. 
XXXX XXXX card was from XX/XX/XXXX and was paid off in XX/XX/XXXX. It was XXXX XXXX issued card under XXXX XXXX. 
Here is how it appears on my credit report : MIDLAND FUNDING LLC {$2100.00} $ XXXX Your Account WithMIDLAND FUNDING LLCCall ( XXXX ) XXXX or Visit Agency XXXX account reported on XXXX XXXX, XXXX account reported on XXXX XXXX, XXXX # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX XXXX DateXXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 

Learn more about how to dispute items on your credit report. 
OpenAccount # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX, XXXX DateXXXX XXXX, XXXX ReportedIndividual Account. 
ResponsibilityCollection accountRemarksNoteSee something wrong?
Product: Debt collection

I contacted XXXX XXXX via website and phone on XX/XX/XXXX & by phone on XX/XX/XXXX. No response from them. XXXX was a leasing Management company for XXXX XXXX for half of a year that I resided there. I tried contacting them in XXXX when I first seen the debt but no answer or response. The charge is for rent ( they had the deposit ), late fees, carpet cleaning for apartment, and a broken storm window from the 2nd floor of tri-level that was broken by a storm. They charged 2x for the carpet cleaning. I informed maintenance and management of the broken window the next day after the storm, but no one responded or came to fix it until I moved out. I tried reaching them in hopes of getting a payment agreement for the derogatory mark on my credit and because they were the ones who filed it but no one has responded.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. 
This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed today that Equifax is reporting an incorrect address in my credit report. 

According to 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX and Carrington Mortgage Services LLC have illegally taken possession of my home and are currently trying to sell it. XX/XX/2022, they were aided by XXXX XXXX XXXX operating under the color of law, in ousting us from our home -- without a legally valid court order. By XX/XX/2022, XXXX XXXX had the locks illegally changed. They somehow acquired a void mortgage from XXXX. When XXXX ( XXXX ) created this mortgage, it was found to have violated the federal False Claims Act and State Consumer Protection law by our US Government. This resulted in heavy fines and lawsuits against XXXX and its related entities. I previously complained about XXXX 's role in Complaint ID : XXXX. Although a series of foreclosure related eviction suits were filed in the name of one of XXXX XXXX voided out businesses ( and later, a transfer agent company ), they denied any connection to the harassing suits. The transfer agent pointed to Carrington Mortgage Services LLC ( See the Response attached ). I filed an FHA complaint in federal court XX/XX/2022. A case status is set for XX/XX/2022 at XXXX am. But XXXX XXXX and Carrington are now moving fast to illegally sell my property. Just this XX/XX/2022, they are illegally removing my personal belongings from the property.
Product: Vehicle loan or lease

I leased my first Volvo via Volvo Financial on XX/XX/XXXX. I have always paid my account with Volvo Financial online as I have been doing since the inception of the lease term. In seeking to update the history of my account with Volvo Financial I noticed I didn't have all monthly statements for my account including back to XX/XX/XXXX. I have since discovered that I can not get more than 3 last most recent leasing statements via the payment website ( https : //www.volvocarfinancialservices.com/ ). I called Volvo Financial today with the purpose of requesting the missing statements. I was told I can not get any statements other than the 3 prior consecutive months ( I can't get the XX/XX/XXXX statement today because the online system is down ). There is no way to request paper statements to be mailed. I was told by the CS rep that it is a Volvo Financial company policy not to provide any other statements and that I can't make a request for prior monthly statements because they don't exist. Every other company I do business with including different vehicle leasing companies and credit card companies allow me to access online up to 2 years or more of my monthly statements. Some allow me to request statements to be mailed that are older than 2 years, which I have done in the recent past. 

Furthermore, Volvo Financial should be required to DATE the monthly statements retrieved on line. None of the statements I have been able to download contain a statement date!!! The only way I have any idea when the monthly statement that I can view on Volvo Financial 's website is because of the date the available statement appears to be posted. There is no logical explanation for why a statement does not have a date reflecting when it was generated. 

These issues constitute a violation of my consumer rights and I want Volvo Financial to be required to provide the " missing '' monthly billing account statements. I don't believe they can not be provided ( I bet they could find them if there was litigation surrounding the debt at issue ) and because I have a right to be able get this documentation to verify for MY records.
Product: Credit card or prepaid card

These are my accounts, Someone opens fraudulent accounts in my name I want you to please remove them.
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX XXXX been get notified about a loan I have never applied for I had contact the company and they say I have to call the credit bureau to report fraud been made for a {$1200.00} loan XXXX XXXX XXXX XXXX XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit report is not authorized or verified