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

I am writing to dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3600.00} Credit XXXX XXXX {$0.00} Past Due : {$1500.00} Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$1600.00} Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by XXXX and Experian regarding the above account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

High Credit and Credit Limit : XXXX reports a high credit of {$3600.00} and a credit limit of {$0.00}, whereas Experian reports a high credit and credit limit of {$0.00}. This discrepancy in high credit amount is substantial and needs correction. 

Past Due Amount : XXXX reports a past due amount of {$1500.00}, while Experian reports {$1600.00} as past due. This inconsistency in reported past due amounts requires immediate attention. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is significant and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening, high credit, credit limit, past due amounts, and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Enclosed are copies of relevant documents that support my claim, including ID and Social Security Card I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly update my credit reports with accurate information. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card or prepaid card

Received monthly statement for LLBean MasterCard issued by Citibank, NA, which included {$1.00} in interest charges. Called credit card customer service line on XX/XX/19 for explanation. Agent and her supervisor could not provide reason for charge and supervisor reviewed statements for prior 3 months to look for an explanation. All of my monthly payments have been paid on time. Unable to provide an explanation, the customer service rep cited a bank error. Amount credited. Concerned others may also be charged this fee by this businesss deceptive practices. Canceled credit card since company could not explain this charge. If every one of its customers is charged {$1.00}, {$2.00}, or {$3.00} in fantom interest charges, this amounts to a substantial windfall for this company. Please investigate for deceptive practices.
Product: Mortgage

my mortage is serviced by select portfolio servicing aka investor   XXXX   XXXX   XXXX   XXXX   I have not received acall in 4 months fore a loss mitigation option first house was foreclosed then bank resinded the sale of house I received aphone call thatit was resinded and a letter from bank but the house was never put back to my name like sps promised 5 months later house goes up for foreclosure on  XXXX  now imhere crying fowl feel like sps committed a violation and wants toforeclose on my home withnot giving me the opportunity to keep my home pleaseinvestigate and help with my issue losing home with nohelp offerd thanks  XXXX   XXXX   is my nam e thanks
Product: Debt collection

answersThere are a few issues with the debt American Medical Collections Agency is trying to collect that originated from XXXX XXXX One being my health insurance adjusted a few of them and XXXX XXXX actually owes me money. Another being my medical insurance says from the XXXX statements I do n't owe for certain tests because of the contract XXXX XXXX has with the medical insurance. The third issues is I just made it through a series of appeals and it looks like a won. These appeals take several months ... upwards 16 months to complete. When I originally contacted XXXX XXXX they just sent me collection letters sooner instead of working with me and waiting the appeal process like they are supposed to. I do n't owe XXXX XXXX the {$1200.00} stated in the bill from American Medical Collections. When I try and contact Medical Collections I get no answers. They send a bill about once a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chrysler Capital Hard inquiry for auto loan was added to credit report on XX/XX/2024. The reporting date appears to be XXXX XXXX. This information is inaccurate and appears to be fraud. Please remove from my credit report at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I am contacting you because my CB Indigo/GF which was opened XXXX has reported without my approval a late payment on my account which is a violation according to code 15 U.S code 6802. I have attempted to contact them in regards the matter and they refuse to remove. I never missed any payments on this account and will like this to be resolved/removed. This company placed this inaccurate info on my XXXX credit profile and I will like this removed according to the following U.S Codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax to update my credit report showing all on time payments on my XXXX XXXX auto loan. On XX/XX/XXXX my report updated with late payment information which is 100 % inaccurate. My equifax report shows that I was 60 90 120 days late on my auto loan which is inaccurate. My report shows in XX/XX/XXXX I was on time then XXXX I was 60 days XXXX XXXX 90 days XXXX 120 days which is all inaccurate. I did not have any missed or late payments. Along with you are not possible to go from on time then to 60 days late within one month.
Product: Debt collection

Account info Account name ABILITY RECOVERY SERVICE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> XXXX {$1300.00} XXXX updated XX/XX/year> I called the phone number on collection and gave them my address. They did not have it nor did they have my correct information. Now I am getting false reporting of this debt on my credit report which i did not give them any sort of permission to report on my credit. I believe this is a party of fraud and have tried disputing the collection. I feel absolutely lost and taken advantage of. Please help me remove this account in no way was given my permission to use my information. I do not know what or who they are or why they are using my information including my credit report to falsely report.
Product: Debt collection

Equifax is in violation of my consumer rights. The XXXX XXXX XXXX credit card was deemed fraud and was taken off of my credit reports. I also sent them police reports and FTC reports to get the account removed. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Mortgage

Real Time Resolutions XXXX I do not understand why this account is reporting XXXX on mine and my husband 's credit file. There is also a late payment on XXXX that is being reported that is not accurate. Please update and correct my credit file immediately or delete these accounts of our credit files!
Product: Credit card or prepaid card

I have been getting more than 7 calls a day now going into texting me about payment. I make a payment they add more interest. I explained I have some of cash and asked to settle. All I get is more charges and constant calls that never end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) U.S Dept of ED Direct XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began sending disputes to Trans Union on XX/XX/2023 for my accounts with XXXXXXXX XXXX XXXX XXXX XXXX asking them to remove the late payments from my accounts because I was never late. I received a response back from them on XX/XX/2023 where they stated that the late payments were correct and updated. I then sent another dispute letter on XX/XX/2023, requesting for the information and names etc. of who furnished these findings after sending the dispute letter on XX/XX/2023 I then received a *letter stating that they wouldnt go further with the investigation because they believed it to be a third-party company doing my credit repair. On XX/XX/2023 I sent them a response to the stall letter, letting them know that it is, indeed me repairing my credit, and that they only have 15 days to remove the late payments. Today is XX/XX/2023 and I have yet to receive any response from them on this issue. I will include all correspondence since of them in this complaint the late payments that are included needs to be removed and I need to be compensated for their lack of doing their job.
Product: Checking or savings account

My debit card was compromised on XX/XX/XXXX. There was six unauthorized transactions completed on my account for the amount of {$970.00} at XXXX for six different transactions. One for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. So far, I have only received {$510.00} on XXXX and {$120.00} on XX/XX/XXXX in refunds from the bank. I received a refund of {$110.00} on XXXX from XXXX. My issue is every time I call about the remainder of my money that is owed to me, Im getting false information or it is still pending. My card was compromised, Ive been violated and for as long as I have been a member of this bank, they should know my spending pattern and know my card was compromised and know I did not make those purchases. So where is the rest of my money? I dont understand why is it taking them so long to give the remaining funds that is do to me. The remaining of what is truly owed to me is {$220.00} since XXXX has already refunded me my money.
Product: Checking or savings account

Activehours needs to access my XXXX account and is currently having difficulties as well as too my XXXX XXXX account also. Its been about two months now and it has been nothing but misrepresentation that has occurred. I would like to do business with Active hours, truly they are an interesting and unique company. I ca n't or we ca n't some how get connected for whatever reason. So I am being asked to reach out for some help from you kind people so we all can get going with this slight situation. Thank you in advance for your time and consideration. Have a wonderful day!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of the dark web and the Equifax data breach, in addition to losing my purse with all my personal information in it. My identity has been compromised beyond comprehension and that's not a good place nor feeling in such struggling times. I'm demanding that these accounts be removed and blocked from my credit data files. I've reported and requested information in regards to these accounts. Please remove the following accounts immediately. 

1 ) XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1100.00} 4 ) XXXX XXXX XXXX {$61.00} 5 ) XXXX XXXX XXXX {$1.00} XXXX 6 ) XXXX XXXX {$120.00} 7 ) Chapter XXXX bankruptcy 8 ) XXXX XXXX XXXX XXXX   XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) Dept of ED/ XXXX {$56000.00} 14 ) Dept of ED/ XXXX {$31000.00} 15 ) XXXX  {$5500.00} 16 ) XXXX   {$5000.00} 17 ) Dept of EDXXXX XXXX {$3200.00} 18 ) Dept of ED/ XXXX   {$4200.00} 19 , ) Dept of ED/ XXXX  {$1000.00} 20 ) XXXX XXXX   {$4800.00} 21 ) XXXX XXXX XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed unauthorized/fraudulent hard inquiries and realized that I was a victim of Identity Theft. On XX/XX/XXXX I sent dispute letter to EQUIFAX Dispute Center and XXXX XXXX XXXX. I sent these letters through certified mail and they received my letters On XX/XX/XXXX. It is now XX/XX/XXXX and I have heard no response from them or acknowledgment whatsoever. They are being noncompliant. 

In these letters I informed them that there are multiple hard inquiries appearing on my account that are fraudulent and unauthorized. I never gave them permission to furnish this information and I informed them that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

I asked for them to produce any proofs or evidence that they may have that support their claims or where they were right in their decision to furnish this information and I gave them 15 days from receiving the letter to respond - otherwise they need to REMOVE the fraudulent/unauthorized hard inquiries immediately. They never responded & the fraudulent/unauthorized inquiry is still reporting on my account. 

I informed them that it is their DUTY by law to ACCURATELY report information and as of now, they are NOT doing that. I also informed them that if they choose to be willfully neglectful as it pertains to my file, I will file a dispute against them in small claims court seeking remedy for said violations. 

I notified EQUIFAX and XXXX that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) states that Consumer Reporting Agency can not furnish an account without my written instruction.
Product: Mortgage

As of XX/XX/XXXX my husband deceased and I was left with no household support because he was the person on the account and he was the person covering the household expenses and I was not able to take care of the Mortgage Payments due to my husband deceased and left alone with a great financial hardship and this caused me to be in deep XXXX and great stress. I decided to request help for a loan modification to Select Portfolio Servicing and as I was in reviewed it took a great long time to get my social security updated on their system it took months to correct my name and my social security number. This lender had the wrong information of my identity. I provided a notarized affidavit with my name and social security number and this caused a delay my modification review, when they finally reviewed I was offered a Repayment Plan with a amount that I was not able to afford over {$6000.00} every month and that is an outrageous amount. I will never be able to afford that kind of payment and this is why I am presently into a Foreclosure status. I have a Trustee Sale coming up on XX/XX/XXXX and I need your help to prevent for Select Portfolio Servicing to foreclose on the only roof I have. I have no where to leave they will cause me into a great burden. Please help me get this lender to provide me a better workout solution to keep my home. I am only asking for an affordable mortgage payment, I have my income plus my rental income and if necessary I can provide my daughters income but please help me save my home.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a Mortgage owned by XXXX XXXX. My Servicer is ShellPoint Mortgage Servicing. My whole family contracted XXXX XXXX. I have been a very regular customer for a decade or more, until XXXX struck terror and tragedy on my family. Unfortunately, my husband died in the Hospital due to XXXX, after suffering for over 10 days. I very narrowly survived after badly suffering for 3 weeks. So also my XXXX and XXXX XXXX, who are lucky to XXXX after weeks of XXXX. I sent them the XXXX XXXX and also explained that I am mentally and physically completely drained out. I have requested the Forbearance upto XX/XX/XXXX, as per XXXX XXXX guidelines. They gave me Forbearance from XX/XX/XXXX and every 2 months, they used to harass me for extensions, instead of giving me for 6 months at a stretch. Now I am receiving harassing letters and calls saying our Forbearance period is ending with this Month and if I do not start repayment my Loan/Property will go into foreclosure. Instead of helping a widow like me, who underwent XXXX of an experience with XXXX XXXXXXXX, they are harassing me and discriminating me, as I am a helpless woman. Are they not supposed to follow the XXXX XXXX guidelines? Is there no one to regulate them and take them to task for violating the Govt. guidelines, with impunity and harassing and discriminating hapless people like me?