23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received paper work from my place of work that I had a wage garnishment. I looked over the paper work and the creditor sued me in XXXX XXXX county. I have never received a letter that I was being sued, and I never lived in XXXX XXXX county nor did I take out the credit in that county. I have always lived in XXXX county and took out the debit in XXXX county.
Product: Debt collection

I turned I 60 day notice to move out of an apartment complex I made several attempts to schedule a walk through I was told they were busy and would contact me on several occasions and no one would make the appointment. This is common practice with XXXX XXXX then they use this other company to collect on bogus charges. So the original creditor refused to work with me and stated they turned to rent recovery solutions who is now reporting that I have an open account with them I asked for proof of this they sent me my old lease from XXXX XXXX failing to prove I opened this account with them I discussed the inaccuracy they wouldnt validate or communicate this with me only wanting to collect payment saying I needed to pay full amount and they would not work with me even down to if I do make a payment they cant say it would be removed from my credit leaving me unable to find a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX. XXXX, XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a homeless Veteran who has been trying to make amends to be able to purchase a manufactured home. This company XXXX ( Bought out by Resurgent ) has REFUSED every attempt to get this account REMOVED from my credit report. XXXX/RESURGENT RE-AGED this account in XXXX and shows this account is OPEN with a current date of XXXX, which is contrary to actual documents. 
ALL three bureaus HAVE REFUSED EVERY ATTEMPT to have this account removed from my credit report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Product: Debt collection

I had government insurance which they didnt bill them first and then have me pay what wasnt covered
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ignored my letter and did not perform a proper investigation like I asked on account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX before sending the account back verified.
Product: Mortgage

We would like to file a complaint against Citibank Mortgage Company for not verifying that the lien on our home was discharged when they purchased our mortgage in XXXX from XXXX/XXXX ( now XXXX ). XXXX/XXXX bought our mortgage from XXXX in XXXX ( XXXX closed in XXXX ). We would like to include XXXX in our complaint as well. We have contacted Citibank but they they claim it was not their responsibility to ensure the lien was discharged which is ridiculous because why would they purchase something and not make sure they own it. In XXXX Citibank Mortgage sold our mortgage to a XXXX company and our mortgage is being serviced by XXXX. I do n't understand how Citibank can even legally sell our mortgage if do n't own it. In XXXX we decided to refinance with our credit union to pay off our home in 10 years and when they did a title search they discovered two old liens from XXXX which Citibank paid off and they have proof and we have copies of documents confirming this as well. On XXXX XXXX and XXXX, XXXX I faxed information to XXXX requesting help from them but I have not received a response yet. We have tried to get this matter resolved on our own but it has been a frustrating and time consuming journey and no one seems to want to help. We are senior citizens and my husband is a XXXX and we just want to pay off our home but ca n't until these old liens are discharged. Please help us. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 
a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS account number : XXXX
Product: Mortgage

My loan was transferred/sold from XXXX Mortgage of North Carolina ( Account # XXXX ) on XXXX XXXX, 2013 to XXXX Master Participation Trust ( Caliber Home Loans account # XXXX ). I Ca n't seem to get Caliber to send me the paperwork ( transfer/sale ) documents for this transaction.
Product: Credit reporting

This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.
Product: Mortgage

Mortgage company : Mr Cooper My home was a total loss in the XXXX XXXX XX/XX/XXXX. My insurance company submits my claim payments to Mr Cooper, who should be reimbursing me. 

My builder bills monthly. Mr Cooper asks that I submit a letter to them every month asking for an exemption to their policy of only paying out quarterly ( which I did, XX/XX/XXXX ). As of XX/XX/XXXX, they are just submitting this to their 'corporate ' to request the exception. 

I do not have funds to pay my builder. There will likely be late fees. This is unfair practice- to have a payout structure that has nothing to do with the actual business of re-building a home. 

I am requesting that Mr Cooper release payments to me in a timely fashion, so that I can pay my builder every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE OR OPEN THE ACCOUNTS LISTED BELOW. MY INFORMATION HAS BEEN EXPOSED IN SEVERAL DATA BREACHES AS WELL. I'M WORKING WITH THE LOCAL XXXX AND XXXX XXXX XXXX XXXX XXXX TO PROSECUTE AND PRESS CHARGES. I WILL ALSO BE SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 AND SECTION 617 THESE ACCOUNTS WILL BE PENDING LITIGATION. I'M TRYING TO PURCHASE A HOME AND THESE ACCOUNTS ARE HINDERING ME FROM DOING SO. THE NAME IS NOT EVEN SPELLED CORRECTLY ON THE INFORMATION THEY HAVE NEVER STAYED AT THE ADDRESS THEY HAVE ON FILE. I WAS INCARCERATED WHEN THEY SAID THEY TALKED TO ME AND HAVE VOICE RECORDINGS.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handling of this disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelles numerous times and reporting discrepancies my financial institution, and Zelle fail to investigate my claims adequately they informed me that recovering lost funds was impossible, and then that tracking these transactions was unfeasible The CFPBAs finding indicated that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report I have disputed multiple times and a lot are older then XXXX months I have not been notified from the bureaus or even given any details on how this item was verified hopefully this matter can be looked at immediately
Product: Debt collection

I received a call from the debt collector ( IQ Data ) on XX/XX/23. They advised I owed {$370.00} for the XXXX XXXX XXXXXXXX XXXX apartment complex. I informed them the debt amount was false and the bill in question was paid for nearly a year prior. I was informed by the apartment I owed {$31.00} at move out and paid that amount via check. I even had further communication with the apartment complex where they in writing told me I owed nothing. I also reached out to the apartment complex after receiving the call from the debt collector and the apartment complex told me in writing it was a mistake and I did not owe the money. The debt collector asked that I send the proof to them via email and they'd take care of it. I have since sent follow up emails and called them to see if the items were received and they either don't respond or tell me the person who could tell me isn't available.
Product: Checking or savings account

I opened a checking account with M & T Bank and have been unable to obtain an online account. I was not supplied the proper information in order to open my online account and I called twice and no one know how to direct my call or rectify the situation. 

I have since tried to close my account and have called 3x and was told I need to get the balance to zero. Once I was able to get the account to zero, they said the charges are pending and now there will be a service fee while I wait for my account to get to zero. I am being charged for an account I have not had full access to or been able to use. Customer service has not been able to help me. I would not have incurred these fees had the account opening been properly managed and there had not been unreasonable requirements to close it. I do not know how many fees I paid since I do not have access to my account. 

I would like my checking account closed immediately and all funds reimbursed via check for all fees paid to date. I do not believe I should have to pay an account closure fee or future fees because the account was never fully opened and functional for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXFL, XXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : DEPTEDXXXX Amount : {$1300.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$3000.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$2600.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$5500.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4800.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$6600.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$1000.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4600.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$5300.00} Account # : XXXX Party Owed : DEPTEDXXXX  Amount : {$1.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$3500.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$6700.00} Account # : XXXX Party Owed : USDOEXXXX Amount : {$0.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$1000.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4700.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4100.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$3500.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXXXXXX XXXX XXXX XXXX Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX XXXX  Amount : {$550.00} Account # : XXXX Party Owed : XXXX Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX TRANSUNION XXXX & XXXX HAS VIOLATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed significant private information about me including my Social Security Number, date of birth, addresses and potentially credit card numbers to be shared with hackers, putting me at significant risk of identity theft. 

I have confirmed via the Equifax website that my information was stolen : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit card

They have claimed they sent a replacement card 4 weeks ago and I have not received anything from them. I have tried to contact them but since I am hard of hearing I chose not to use the phone because the people they use are not in this country and I have a hard time understanding them. They don't have an email address to reach them.
Product: Credit card or prepaid card

Someone opened a fraudulent account in my name. I sent all paperwork requested. Received a letter stating fraudulent account was proven to be fraudulent. The account was to be cleared up in a few months.Now I have received a letter requesting that I send all paperwork again. The company is Montgomery Ward. Please help me. I need to get this cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting services is not accurately reporting the amount on my XXXX XXXX XXXX. Transunion is stating my account balance is {$290.00}, when it should read as {$0.00}.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days to be removed.

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

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Mortgage

I have purchased a home through XXXXXXXX XXXX XXXX  on XX/XX/XXXX. My loan was then sold on XX/XX/XXXX to XXXX XXXX XXXX who then sold it to GITSIT Solutions LLC on XX/XX/XXXX. As of XX/XX/XXXX I had lost my job and the first thing I did was contact GITSIT Solutions LLC to ask about my options. The rep transferred me to XXXX XXXX ( my asset manager ) whom in so many words was thankful that I called but stated that there was nothing that the company could do for me but to call me every week. On XX/XX/XXXX I asked XXXX about the forbearance solution that has been offered online and via mail. I sent him a photo of the letter that I received about forbearance but XXXX states that GITSIT Solutions does not provide the services. I asked for a manager several times and no one will allow me to speak to a manager. I have begged and pleaded for assistance because I want to keep my home but GITSIT Solutions doesn't seem interested in assisting me with keeping my home.
Product: Credit card

After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

I have sent numerous times and semt them certified mail which allows me to see that they get my items. I sent one packet signed and dated last XX/XX/XXXX then they said they didnt get my items and i resent in XX/XX/XXXX and they still have refused to acknowledge they have gotten my items. Not only do i have a mortgage, but i have XXXX kids, a car note and my wife has lost her job. I dont know where or how they expect me to pay XXXX a month. I keep reapplying for loans and no one helps. Talking to them on the phone, im only wasting my time because they tell me to just send in everything i already have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified while attempting to obtain employment that I have an outstanding balance of XXXX dollars on my credit report ( Experian ). This balance is being reported from the State of Michigan office of XX/XX/XXXX I do not owe this balance and my case is closed. I spoke with them today and they stated that they sent this information to the credit agency ( Experian ) in 2019. My report still showing a balance and as a charge off.