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

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Product: Mortgage

First my mortgage was sold 3 times in the past year. It went from XXXX XXXX to XXXX XXXX   to XXXX XXXX to finally the worst of them all, New Penn financial. Starting XX/XX/2018 the first letter I got from XXXX XXXX XXXX was that they were going to default my mortgage due to non payment. I was very upset, called them, and setup auto pay. I get another email ( not mail ) on XX/XX/XXXX, saying that if I dont resolve by tomorrow they will default my loan. No one ever called, or left any messages, called them on the phone, they said I didn't pay, and now they want to tack on a {$92.00} late fee. They also said its okay to not pay the late fee, but just to keep the late fee floating on there, then they continued to say that it was I that put a stop on the auto pay ( which I did not ). 

I have strong beliefs that they are trying to default my loan. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX charged off a balance of {$5400.00}. I made numerous contacts to both XXXX and Experian to notify them that this was a fraudulent charge. It was removed from my credit report for a time but then just reappeared as a charge-off. 

I originally opened this card for a 6-month no interest on a washer and dryer which was paid in full long before the fraudulent charge. 

XXXX XXXX claimed that statements were mailed to me. THEY WERE NOT. I BELIEVE MY ADDRESS WAS ALSO COMPROMISED FOR THIS CHARGE OR THE CROOK OPTED FOR PAPERLESS STATEMENTS. 

XXXX XXXX XXXX XXXX ending in XXXX
Product: Debt collection

This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names below has violated my rights : 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 I looked at my credit report on XX/XX/2023 and XXXX XXXX and noticed some things are incomplete and not accurate. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest the inaccurate reporting of a fraudulent account on my credit report, which constitutes a clear violation of the law. Upon contacting the bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes as the other credit bureaus have already removed this fraudulent account from their records. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Please DELETE this account for once : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by Comenity Capital. I did not authorize the credit check or apply for credit or a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor XXXX XXXX XXXX XXXX  XXXX ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my Experian report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.
Product: Credit reporting

Equifax Credit Reporting Agency denies releasing my credit report to banks when I apply for credit or sends a response back to them stating that my information does not match the records leading to denial of credit multiple times. I have contacted Equifax through physical mail multiple times to understand the issue but I get no response. I have checked my free credit report and there are no errors or issues reflected in that personally retrieved report. The only issue is that since I moved to the US after XX/XX/2011, the legally issued SSN to me is from a randomized pool chosesn by Social Security Administration and Equifax fails to recognize it as a legally issued SSN. Despite having a perfect credit history with never having missed a payment, I get denied for credit with the reason being that either Equifax did not release my credit file to the lender or issued a statement that my responses to a security quiz are false ( which they are not ). I seek CFPB help to ask Equifax to fix the credit reporting system it has and not raise false security alerts leading to multiple denials of credit to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning XXXX XXXX of North Carolina. I was first contacted in 2014 by their collection department stating I owed {$200.00}. 
I explained to the person that I have never lived in the State of NC so this was impossible & that someone must be using my personal information fraudulently. They did their investigation and told me they obtained my information from a rental application for an apartment. I then contacted the rental company who had also filed a claim against me for non payment of lease. I was shocked because I have never lived in NC. The rental agency cleared me of all liability. I contacted XXXX XXXX again and they assured me not to worry that the charges would be deleted. I thought this was supposed to be handled in 2014.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS NOT IN COMPLAINACE WITH THE FRCA. THEY ARE IN VIOLATION OF FURNISHING INACCURATE INFORMATION AND FRADULENT INFORMATION. VIOLATING 15 USC 1681 1C-2. ALONG WITH 15 USC 1681 ( 7 ). THEY CLAIM TO HAVE BEEN AN INVESTIGATION ; HOWEVER, I WAS NOT INFORMED OF THE STEPS OF SAID INVESTIGATION. THE COLLECTIONS AGENCY IS NON-COMPLAINT AND XXXX XXXX IS REPORTING INCUARLY FASLUE IN FORMATION. IN ACCORDANCE WITH 15 USC 1681C-2 I WOULD LIKE THIS INFORMATION PERMENTALY BLOCKED FROM MY CREDIT REPORT. FRAUD : Fraud refers to dishonest behavior that deceiv
es someone for personal gain. It can be both a civil issue and a criminal offense.

Definition of Fraud Noun 1 : Wrongful deception with the intent to gain personally or financially 2 : Intentional deception in order to persuade another person to part with something of value 3 : A person who pretends to be something or someone he is not
Product: Checking or savings account

Hello I open a account with chase bank this month of XX/XX/2021 the account was a checking the location was XXXX XXXX and XXXX XXXX somebody close the account not from the bank they said no reason was giving why it was did I will submit my checking account number to you and routing number plus my debit card to you and a index card of the person name and bank and address I had to activate the card and I did that but no pin number I was able to activate I will photo copy all that information to you by Monday XX/XX/2021 from my phone I will like to keep my account the same checking and routing along with my debit card number I just need a pin number so I can deposit my social security check in my account by atm or teller no mobile I shown the bank my check they said every thing seem ok and I am going to send you some XXXX XXXX checks I deposit and they do not want to return my money back to me I am going to submit photo copies of those check receipts to you as well because I sign the back of the check and put my account number checking and routing on the back what I will do with them at chase bank I use a address.from newyork when I open the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a mailing address po box XXXX XXXX newyork XXXX where my mail go to up their I did not use XXXX XXXX XXXX XXXX XXXX XXXX n.c. because I north carolina address expire and have not renew them yet because of the coronervirus pandemic I will photo copy my address as well in newyork and northcarolina my social security checks have the address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on the checks can you reply back to me by mail or text because I do not get your response back to me by email or XXXX that is it
Product: Credit card

Earlier this year, I applied for a credit card through Chase Bank for XXXX XXXX XXXX XXXX Credit Card. I had received an invitation to apply while on the XXXX website and the offer was : Spend {$3000.00} in the first three statement cycles and receive XXXX bonus points. Also, a {$300.00} statement credit toward any purchases I make at XXXX. Since I had been in banking and specifically credit card administration for a major bank, I recognized the offer as a good one and applied for the card. I got the card and used it to ensure that I hit the requirement and, when I did, I received XXXX bonus points, not the XXXX that was in the offer. I contacted Chase and the representative transferred me to a supervisor who indicated that he indeed saw an offer and put through the request to have my account adjusted. He indicated that I would get an email in a few days. After about 10 days, I got a letter in the mail that said I was not eligible for the points. I called back and was told that they had no record of the offer. That is simply not true. I am very specific when accepting offers and my prior experience allows me to " speak the same language ''. My interpretation was actually confirmed by a Chase representative and still, they are reneging on their offer. There is no one else willing to speak with me from Chase but I want my XXXX points that I did not receive.
Product: Debt collection

The date of the phone call was  XXXX / XXXX / 2017 . I filed victim of crime for the medical bill and I was not contacted about that being denied, The company  is Professional Account S ervices. Phone number is  XXXX .  XXXX .  XXXX . The rep did n't advise call recorded or MM, did n't verify if I was the correct person. Wanted to know how I was going to take care of the debt today. Advise rep that I was n't able to that I had filed victim of crime, Rep then advised that was denied, I had advised that I was not contacted about it bein g denied. Rep wanted to verify my information and then hung up the phone. I did n't feel I was being treated fairly or being informed correctly.
Product: Debt collection

I contacted Conns on XXXX XXXX to notify thenm that my settlement on the account was paid in full in XXXX XXXX. They said it would take 30 days for their system to reflect the paid in full status. Since then I have continued to receive mail and phone requesting payment.
Product: Checking or savings account

On XXXX last year, I opened my bank of american account. 
Half year later, I opened my credit card. But things happens then, bank american has a bug in their system which accidently link my credit account to my sister 's accout, and they baned my account after my sister report someone using her credit. 
Then, I went to bank serveral times, and spend a lot of time deal with this. The bankers in XXXX also help me a lot. They try to call their manager and supervisor department to help, but they just can't solve my problem. 
Later, they told me my case was sent to fraut department and have to wait for their response. For me, it was very unreasonable. 
Then I look for help from cfpb. Soon, the bank called me, and told me I can go to the nearest bank and get my money back by verify my identity. 
XXXX weeks ago, I went to bank and asked for the money. They told me just wait for the check coming to my mail box. 
Now, I only received XXXX mail, XXXX about my account is closed and money was reduced, another is said I can get the money from bank. But when I went to the bank, the banker told me I might have to wait more than XXXX year to get my money back!!! 
The bank stolen my money by their mistake, and let me wait for more than XXXX year!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning... I have written transunion and XXXX multiple times letting them know that i believed that there is a bankruptcy on my credit report reporting inaccurately..they investigate and nothing changes it is still reporting inaccurate information... i wrote the court directly and they stated that the information being reported on my credit report is incorrect, ,i have attached a copy of the letter and a copy of my credit report as proof
Product: Credit reporting or other personal consumer reports

Experian has updated my adresses on XX/XX/24 per my complaint number XXXX, but has refused to remove or update XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, in which is now a violation of the privacy act. They have updated all other addresses correctly but refuse to remove/update the above address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX as requested several times. Please review complaint number above and investigate why Experian has neglected to correct XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Experian has yet to provide me with there method of verification or documents proving they are 100 % accurately reporting and required per the many letters sent and the FRCA. 


PLEASE INVESTIGATE EXPERIAN.
Product: Mortgage

Prior to XX/XX/XXXX, worked two part-time jobs.

Affected by COVID, maintained only one, part-time job through XX/XX/XXXX. 

In XX/XX/XXXX, requested COVID relief from mortgage company, XXXX Mortgage. 

XX/XX/XXXX, XXXX XXXX  sold my home loan to an investor. My loan is now managed by Select Portfolio Servicing , Inc . 

XX/XX/XXXX, Mortgage payments resumed, submitted Assistance Review Application for repayment options. 

XX/XX/XXXX, SPS is not providing payment options. SPS requires full payment of forbearance amount ( approximately {$15000.00} ), or Short Sale. 

XX/XX/XXXX, Submitted an Appeal to this decision XX/XX/XXXX, Appeal denied by SPS and stand on initial proposal to repay forbearance in full or Short Sale or Deed in Lieu of Foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
Product: Debt collection

Midland Credit Collections,  contacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX without my authorization ran my credit score on XX/XX/2021. 

Capital One without my permission ran my credit report on XX/XX/2021.
Product: Checking or savings account

I closed my PNC Bank Checking Account on XX/XX/ 2021, and I have not received my XXXX and XXXX 2021 Social Security Didsability Benefit checks nor my XXXX and XXXX round of Stimulus Checks for 2021!!!
Product: Mortgage

XXXX XXXX XXXX and Select Portfolio Servicing ( SPS ) were the mortgage holders for my loan. I have a previous complaint against SPS ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments. 
The attached credit report pageXXXX of XXXX ( which is a part of a full Mortgage XXXX ) number XXXX show that I had XXXX 60 day lates on this mortgage which are erroneous. 
Firstly, enclosed is a mortgage statement for XX/XX/2014 that shows that there are no late mortgage payments and no late fees due, payment confirmation XXXX/XXXX/2014 no late fees, statement of XXXX/XXXX/14 showing no lates, XXXX/XXXX/14 payment confirmation no outstanding late charges. Therefore there are no late mortgage issues. Therefore : there could not be a 60 day late for XX/XX/XXXX and XX/XX/2014. 
I have applied for a mortgage and have been told the above error in my credit report is preventing me from obtaining a loan.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Debt collection

I haven't supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on 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 items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. Experian, XXXX, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Product: Mortgage

We were granted Forbearance on our mortgage payment for the month of XXXX 2016 because were declared a national disaster area by FEMA. That mortgage company sold our loan the same month to a different mortgage company and said they would " reach out to us to discuss payment of the missed XX/XX/XXXX installment ''. No one ever did. 
The new mortgage company, Cardinal, does not seem to recognize this. They have sent us past due letters and I have called their customer service many times to try and get it straightened out. 
I will be attaching a timeline of all of our payments and the confirmation numbers and dates. I also have itemized with whom we spoke, where and what time. The last call being to a supervisor named XXXX who said he would look into it and get back to us. He did not. We are receiving past due 2 months letters, and yesterday a phone call to my wife that they are reporting it to the credit bureau. Plus a letter just came saying they are going to take our house away. 
A complete timeline of my efforts is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.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 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

Years ago I suffer identity theft, immediatly I report the issue with irs, and put a freeze on my SSN, but my credit was used plenty of times, with companies that don't verify credit. That has been used from XXXX XXXX to hospitals.