23daVinci/CFPB_Complaints huggingface dataset:
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, has violated my rights. charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX TransUnion XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Product: Mortgage

On XX/XX/XXXX I contacted my mortgage company, Sierra Pacific Mortgage, to have the PMI removed from my mortgage loan. They told me I would receive a letter with instructions. On XX/XX/XXXX I received the letter dated XX/XX/XXXX. The letter said I could pay for a BPO, and if the BPO showed the loan to value was 75 % or less the PMI would be removed. According to offers I have received from XXXX and also based on homes sold in the area, my loan to value is between 50 % and 60 %. So per the letter I contacted my mortgage company to pay for a BPO to have the PMI removed. I told the person over the phone that the letter said {$150.00} was due. She charged {$100.00} to my debit card. I received a check back for {$100.00} today, XX/XX/XXXX. I had contacted them on XX/XX/XXXX because no one had contacted me to set up the BPO. They ( XXXX XXXX said they sent me a refund but would now escalate my request because they had made the error by not charging enough for the BPO. No one has contacted me. I called today and there was no assistance offered. I was told by XXXX to wait for the call from upper management. I told XXXX I was going to file complaints against them. She told me they had a department that handled complaints but never directed me to that department. In the meantime they are still charging me {$300.00} for PMI that I should not have to pay. They are obviously trying to avoid helping me. I need the PMI removed so the payment can be reduced and be more affordable. Thank you for any assistance you can provide.
Product: Debt collection

I have disputed the debt several times and the debt has not been removed. The debt does not belong to me. There is not any proof that this debt belongs to me. I have been a victim of identity theft. I have sent in proof of my identity, and the information still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as XXXX and Transunion have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report
Product: Debt collection

Initially this account was created fraudulently using my Identity. After contacting them so many times and explaining that this account doesn't belong to me, they never removed it from my credit report. They would tell me every time to pay {$500.00} and we will remove it from your credit report. I had no choice but to pay them {$500.00} .Because of this account reporting on my credit report I can not even rent a place to live somewhere with my family and am facing so many other similar problems Even though I paid them {$500.00} to have this account removed because i had no other option or help. They still wouldn't remove it and still reporting the account. It never belonged to me and I still had to pay to solve my problems. It's has been more that 8 years.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX
Product: Credit card

Found out that JPMORGAN CHASE BANK has issued XXXXcredit cards to someone in my name and the cards are charged off and no information has been giving to me about the application which I did not apply for.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Bridgecrest in order to receive the 1099-c for the car acct that is currently showing on my consumer report as charged off. This account was charged off in XXXX of XXXX  and reported to such to consumer reporting agencies, and pursuant to the IRS manual, I am supposed to receive a copy of the 1099-c form when entities report the cancellation of an account to the irs. Bridgecrest stated they are not required to provide me this information which is false as any debt cancelled over the amount of {$600.00} is to be reported to the irs as income to the customer. This form is necessary for me to receive as I need it for the upcoming tax year. Bridgecrest can not continue to collect on a debt that they advised the IRS they cancelled. I am asking the CFPB to intervene in this matter and have this company send me the documents they are required to send after waiving a debt. The IRS has also been notified of this behavior and a report for securities fraud has also been made.
Product: Credit card or prepaid card

XX/XX/20 received a USBank Reliacard. It shows a balance of {$11000.00} in UC Benefits. I did not apply for UC Benefits I am retired for 7 years. I believe someone has Applied for these benefits illegally. Can you please help me with this problem. Unfortunately I had to activate the card to find out any info about it. I have not made any withdraws on this card and I don't intent to. Please help me with this problem. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both Experian and XXXX are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold XXXX and Experian accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX TIMES. I expect them to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I WAS NEVER LATE ON THE PAID OFF ACCOUNT, PLESAE SHOW ME DOCUMENTATION PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING ON MY ACCOUNT IF YOU CAN NOT SUPPLY THIS, PLEASE DELETE THIS ALLEGED LATE PAYMENT OFF MY CREDIT REPORT.
Product: Credit card

Somehow I got signed up for an Amazon Syncrony account. I have no idea how. Got my XXXX bill in XXXX. I thought it was an ad so I dumped it. In XXXX I get another bill and a text that I am in arrears. Now they are putting my XXXX XXXX on the card and I now have a previous balance plus {$40.00} late fee. I call XXXX and told I the lady I want the card canceled. Woman tries to talk me out of it. I refuse until she reluctantly agrees. In XXXX I receive a new bill for {$110.00} for past due + {$80.00} in late fees. 
I call Syncrony back and ask them why it wasn't canceled already and that I WILL NOT PAY {$.00} more. Now I want an email saying it is canceled. 
I call XXXX and tell them to put my XXXX back on my Debit card. Now this morning my monthly XXXX order on my Debit card has been declined. I haven't even used the XXXX card personally, but had to " pay it off '' in XXXX with {$33.00}.
Product: Credit reporting or other personal consumer reports

Reporting late payment on a account after account was closed in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
Product: Credit reporting or other personal consumer reports

Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, XXXX, and Experian. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.
Product: Debt collection

The collection agency servicing the purported debts appearing on my credit report is unresponsive to my attempts to discuss the debts and, if true, to pay the debt in full. It is negatively affecting my credit score and preventing me from getting the mortgage I am trying to apply for.

For two months Midland Credit Management, and their related peer subsidiary companies ( all owned by Encore Capital Group ) have been passing me around to five different inter and intra-company phone lines, whose agents all tell me they can not help me discuss or pay the debts, if true, and who then pass me along to new inter or intra-company agents. 

After calling sometimes everyday for weeks at a time to at least every two weeks the problem persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an account was opened in my name with XXXX XXXX XXXX. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought giftcards off a company buy the name XXXX XXXX and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed
Product: Checking or savings account

I have had a XXXX XXXX  savings for years at Capital One. My account was compromised and funds taken out without my approval or knowledge. Most have been credited back except XXXX for {$20000.00} was not. This was sent to Green Dot Bank where I don't have an account and never did. I was told this withdrawal happened on XX/XX/year> at XXXX. I never authorized this and was not advised. I was in the hospital from XX/XX/XXXX and released XX/XX/XXXX about noon that day. I didn't have any computer or laptop with me in the hospital. My wife never accessed the account either. So, at XXXX am I was in a hospital bed. 
They are supposed to send me information on how this occurred but not for weeks. 
I have made money transfers in the past but don't have Green Dot Bank as one of the allowed transfer- to Banks.

It seems as if they don't believe what I am telling them and care less about this. I didn't do anything wrong-they were supposed to take care of my money but got duped and now I am paying for their mistake.

I have tried to email the CEO but no answer. I have called a great many times and may have to hire and attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving the very first mailed invoice from KLS Financial Services, I requested verification of debt validity, as is my right under the FCRA. This information was provided by KLS Financial Services in a letter dated XX/XX/XXXX ( well beyond the 5 days allowed for response under FCRA ). Once the response had been received, the account was paid in full within 30 days of its issuance. Before waiting thirty days from their letter, KLS had already reported the debt as a collections account to two credit reporting agencies by XX/XX/XXXX ( 15 days after providing verification ). I have already worked to dispute and remove the accounts from these agencies. 
When reviewing the accounts for dispute, there was a comment added by KLS stating : " Completed investigation of FCRA dispute- consumer disagrees ''. The only response I provided them to their debt validation letter was a check in the full amount. Not only did they not wait the proper amount of time to find out if " consumer disagrees '', they felt comfortable falsifying that claim within the comments of their premature reporting.
Product: Student loan

XX/XX/XXXX I was interested in attending The XXXX XXXX. After being accepted to the college the financial adviser said I would need to apply for a student loan if I was not able to pay for the tuition out of pocket. The school 's adviser filled out all the paper work for me. Then the loan company ( XXXX XXXX ) said I was not approved for the student loan, but if I had a co-signer they would approve the loan. Under the assumption that I would need XXXX co-signer to be able to go to college and receive a college degree, I agreed to use my mom as a co-signer for the student loan. The school had me in a fast track program, I was in school from XX/XX/XXXX to XX/XX/XXXX and have a student loan for over 30,000 $ US. After those months had passed, the school told me I would need another student loan to continue my education. Again, the loan company said I did not qualify for the loan, and this time, they said my current co-signer did not qualify for the loan as well. Growing up with XXXX parent and not having any relatives this forced me to be unable to continue my education. I have been working ever since I had to stop going to school to be able to pay back this student loan which I feel I should have never received if my co-signer and I were both denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX with the XXXX XXXX and currently have a home loan with Wells Fargo Mortgage that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and XXXX against the late payments displayed on my account with Wells Fargo. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from Wells Fargo, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to Wells Fargo Financial at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the Wells Fargo fake account scandal. <P/>I have been in law enforcement for 15 years and in my a career in law enforcement honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$61000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : DPT EDXXXX XXXX DPT EDXXXX XXXX To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX : XXXX, XXXXLATE PAYMENT ON XX/XX/2022 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX : XXXX, LATE PAYMENT ON XX/XX/2022 Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

3 months ago contacted PayPal and they said there was nothing negative on my account for it to show up on credit score
Product: Mortgage

My mortgage company had changed from XXXX to M & T Bank in XXXX 2015. The new mortgage company has been a living nightmare every since. I open up my XXXX statement and they are stating that my mortgage was going to go up by an additional {$300.00} a month. I freaked out and got on the phone with them and they gave me their text book reason that my tax information has went up. I advise them they were charging me to separate taxes when our taxes here in XXXX GA is combined for a total taxes and fees. I tried to explain this to someone and they still want me to pay {$1700.00} and an extra {$150.00} on my mortgage. I would like for you to force the bank to redo their analysis because they are adamant their not have the right information. I even requested that they call the tax office here in XXXX, GA to verify their taxes are combined in accordance to my recent tax statement.
Product: Vehicle loan or lease

I leased my XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX American car centers Aka American Financial went Into Bankruptcy and closed their doors. I am now left with no answers. A company called West Lake portfolio is now harassing me for payments and collections when I have never been late on my payment since XXXX. They can not give me a new contract, we have canceled my warranty that I had with my lease. and they do not have any title information. I did make payments to them in the last month because theyve been harassing me threatening to take the vehicle. If I dont pay. Every time I make a payment, they tell me I still owe more money for past due payment with American Financial I did send them an email with all of my payments that were made up but they still show I have a balance and I dont. Why am I paying a collection agency when my car was not even in Collections, I cant get any answers. I cant sell my car or trade it in because nobody has a clear title on it because the companies and bankruptcy and I live in Florida and from what I understand our titles are in a trust. I dont know what to do. They are not reporting to the credit agencies and now American Financial has been removed from my credit stating that my loan was 100 % paid off. I have copies of everything.