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

There are multiple inaccuracies being reported on my credit report and I have disputed them all through XXXX and Equifax along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report today on XX/XX/2024 and noticed that some things were not accurate pertaining to my XXXX XXXX account, including : Original Creditor, Status, Status Updated, Balance Updated, Past Due Amount, and Payment History Check attachments below. 

XXXX XXXX is not reporting complete and accurate information to all XXXX of the credit bureaus.
Product: Debt collection

The account with was fraudulently opened XX/XX/24. Ive been trying to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove the debt on several occasions but you can not reach them to speak to anyone. I have not done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not signed a contract with credit management company. I dont owe this debt and I am not liable to pay this debt. Ive never received written or verbal communication from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for the debt to be removed from my credit report. They continue to change their alias so that its difficult to remove from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and Transunion.Incorrectly wth regards to my status on account XXXX have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm  disputing there error of not acknowledging my last three payments in XXXX XXXX, and XXXX XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XXXX XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XXXX XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XXXX XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XXXX XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XXXX, and XXXX XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed information twice to have an item removed, The second time I SPECIFICALLY asked that the original creditor listed on the debt be verified by the company XXXX XXXX XXXX reporting the information as I have never had a contract or knowledge with any company named XXXX XXXX XXXX. The results returned " Remains '' with NO updates to the specific area I asked to be investigated. I had already lodged complaint against XXXX, XXXX   and XXXX with CFPB but was awaiting results from Experian to include them. This issue has also been reported to XXXX who has also acknowledged complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXXl {$0.00} XXXX Update to never late XXXXXXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXXRemove Inquiry XXXX XXXXRemove Inquiry XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX XXXX Remove Inquiry
Product: Mortgage

Dear Sir/Madame
I applied for a loan with Bank of America, XXXX didn't explain for me that I will be asked to repair the house even before my loan approval. Also, I have been mistreated by my loan mortgage specialist XXXX. 
After the XXXX appraiser report I contacted XXXX the boss XXXX. I explained to him my situation, and he proposed to contact the appraiser agent to talk about the house. Then, XXXX told I will need  to fix just the safety issues which are fix the wood floor in the living room, fix the ceramic flooring of the kitchen and the bathroom, the XXXX rail for the stairs to the roof, and replace the deck. Even though, it was hard to get in the house because of the seller's bank kept changing the lock of the front door, I fixed all this issues. Therefore, I did all requested repairs.
I got surprised from the XXXX appraiser report, because it's asking me to fix some ridiculous thing such as facing still missing, not finishing drywall.  The real problem is XXXX got this report on XX/XX/XXXX  My real estate agent XXXX kept asking her for it, but she kept telling him she knew nothing about it. She released the report just a few days before the closing, so I can do nothing . By her actions, she took away my right to make a decision about something very important to me. I mean, by hiding this report until the last days, she put me in hard position. Now I don't have enough  time to do anything about this matter.
In the end, I've fixed what I have been told to fix.  XXXX hurt the feeling of my real estate agent XXXX and mine as well by treating us like we were in a primary school on the XXXX century. Also, she made me lose my money, my work, the help of many friends gone for nothing, and my time as well.

The appraiser inspection with evaluated the house XXXX more than the loan priceXXXX$.
 I spent for it almost XXXX plus I paid down payment of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Product: Checking or savings account

I have several charges on my account. I have contacted PNC, and informed them and listed on the site they can refund any payments of fees. I believe I am being target
Product: Checking or savings account

I made a fraud complaint on XX/XX/2022 of {$50.00} it was investigated and approved on XX/XX/2022. I was told to go to my local branch to receive a new card. I went in to the branch and received a new card. I used the card on XX/XX/2022 at XXXX for {$12.00} and the card worked this was at around XXXX. I went to the grocery store at XXXX and my card didnt work. I called Navy Federal Credit Union and they told me that my Debit Card was suspended for 1 year. They never gave me notification that they were going to suspend my card and this left me at such a disadvantage as I had no access to my money. I couldnt purchase food to eat and should an emergency had arisen I had no way of obtaining my money. 
I called and spoke with a supervisor at Navy Federal Credit Union this morning XX/XX/2022 and was told that they placed the suspension upon my Debit Card because I was irresponsible. 
I asked was it because I filed FRAUD? she said yes! I asked had I done anything fraudulent and she said no! Its because Im irresponsible with my Card which allowed the fraud. 
In my defense I have never ever misused my Debit Card. Ive been a member for 7 years at Navy Federal Credit Union and Ive never ever done anything that I wasnt supposed to do as a member. Now they are punishing me because I submitted a FRAUD which we as members our allowed to do. But, Navy Federal Credit Union is punishing me for this by suspending my Debit Card. I also filed a complaint with XXXX prior to going to my bank. 

I have attached supporting documentation. 
What they did was evil and malicious as they did this with out notification which left me helpless and without access to my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an loan with COMENITY BANK/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITY BANK/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITY BANK/XXXX  with no successful resolution. XXXX XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

A temporary authorization was placed on my credit card account in the amount of {$320.00} by XXXX on XX/XX/2023. I was assured it would be removed immediately upon receipt of their returned XXXX  pre-paid item. 

The item was returned back by XXXX on XX/XX/2023 per attached receipt. Receipt of delivery was confirmed with XXXX by phone on XX/XX/2023 and I was assured the creditor was notified and the authorization amount was removed. I was told it might take 3-5 days to show on my credit card account but the merchant would be able to confirm it was done prior to it's posting. 

As of today XX/XX/2023, Citi card continues to hold the {$320.00} against my available credit line and insists they have no record of the authorization being lifted. I filed a dispute in order to get a temporary credit for my available credit line to be corrected. They will not give me a credit because an actual charge was never made, only an authorization. However, I am still absent my available credit of {$320.00} and they refuse to reinstate it. Citi said I just have to wait 30 days for it to fall off.
Product: Mortgage

XXXX from the state of Connecticut along with me sent grands and funds to bring the loan current # XXXX. 
The lack of professionalism, communication and discrimination against my homeowners mortgage loan are delaying the process. XXXX and my self had reached out PHH in numerous times and weve been ignorance By the company. It is unacceptable, PHH has to return money back to my checking account and Phh had failed to work with me and XXXX.
Product: Debt collection

I am a victim of identity theft. My information was used to open an account with XXXX XXXX XXXX XXXX. I only became aware of this after they placed the account for collection with Sunrise Credit Services. I contacted Sunrise Credit Services and advised them that this account is a direct result of identity theft. 
As of today, more than 30 days later, this account still appears on my credit files.
Product: Money transfer, virtual currency, or money service

Date of transaction : XXXX XX/XX/2024 Amount of money : XXXX ( including XXXX fee ) Business : international money transfer within XXXX days Nature of dispute : Today is XX/XX/XXXX, after XXXX days, I haven't received my money they promised to transfer ; however they already marked in their system that they already delivered. They confirm all recipient information I sent is correct, and told me wait for XXXX  days but I never receive. In the XXXX time I reached out to them, they kept ask me to wait without any solution. In the last chat, the agent left me in the chat box without any notice of leaving. 
Whether or not business has tried to resolve the problem : No, they just told me keep waiting and doing nothing.
Product: Mortgage

Hello, My name is XXXX XXXX. 

I am trying to sell my home - XXXX XXXX XXXX XXXX, XXXX MD XXXX I made payment on time and my mortgage is current- but SN Servicing incorrectly applied the amount I paid and didnt count it against what I owed. 

XXXX XXXX - also makes things difficult in regards to doing the work needed to sell my home- because I can not keep it. 

My agent has a client who can take over the loan - do a loan assumption but they refuse to take the written letter I made for my agent to speak to them and then they dont call me back. 

Its absolutely horrible experience and I have to let go of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

RE : Account # XXXX I represent a protected person as court appointed guardian. The company was supplied with a guardianship order. 

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is XXXX. Therefore, all transactions, even if claimed to be made by a protected person are XXXX. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC XXXX. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a XXXX XXXX. Such acts violated XXXX  XXXX XXXX XXXX. Probate XXXX. 

Medical Revenue Service was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes XXXX  XXXX XXXX, and the Guardianship order.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Debt collection

I had internet service with XXXX and was never notify account was sold to XXXX XXXX. My credit card was originally charged the same amount ( has a different name, and I thought XXXX simply changed name ). The monthly fee started to slowly increased without any notification and I called and cancel service only to be told to contact XXXX. I called XXXX to cancel service and they confirm cancellation.. but said they have to charge me for an extra month even after my service is canceled and switched to another cable company. XXXX  sent my extra month bill to a collection agency and per " Fair Debt Collection Practices Act '' I wrote to the agency twice ( on XX/XX/19 and XX/XX/19 ) and cc XXXX to show proof of my debt. They continue to ignore my request and keep harassing me with debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information about my XXXX XXXX XXXX thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {$120.00} was made on XX/XX/XXXX. XXXX and Transunion are also reporting conflicting dates of closing on this account. There are to many errors on this account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received an Identity Theft Report in according with FCRA requirements on XX/XX/2021. Pursuant to FCRA, Experian is required to block the information provided as a result of identity theft. Instead, Experian added a fraud-alert and opened a dispute. Upon re-investigation by Experian, they concluded the accounts I stated were identity theft, were verified and accurate. There are several problems I'd like to point out. First, Experian does not have the proper tools in place to ensure fair and accurate credit reporting, this is evidenced by receipt of my complete identity theft report required by the FCRA and the consumer reports I have on record of the alleged information still being reported on in my file. Experian chose to follow the guidelines for implementing the fraud alert and requiring my direct consent prior to opening any accounts, even though I did not direct then too as required under 15 usc 1681c-1. Experian received my Identity Theft report and demand to block, followed a few of the federal rules and then violated many others. Is Experian is not required to follow the FCRA laws? Additionally I have contacted Experian after they did follow federal rules, in good faith, to address their failure. They continue to run the automated program that disputes the information and fails to conduct a reasonable investigation which allows for the continuation of abuse and harassment through my consumer report. Consumer laws were written to protect me from this kind of behavior. Congress has stated several times that it is your grave responsibility to report accurately. I am prepared to sue Experian for their failure to follow federal laws which have now harmed my reputation and are harassing and oppressing me and my family.
Product: Debt collection

Postmarked XX/XX/XXXX, a letter from Bleeker Brodey & Andrews ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX, XXXX  ) was mailed to my father 's home, addressed to me, stating they are trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The first page states an amount of {$3000.00} is owed as of XX/XX/XXXX. It states to " see separate page for itemization. '' The second page includes a header, " summary of accounts '' with details below on two rows : account number ( XXXX and XXXX ), balance, defendant ( first and last name ), loan date, and last pay date/if any. There are two balances listed : {$3000.00} ( as referenced on the first page ) and {$2100.00}. Both have a loan date of XX/XX/XXXX and a last pay date of XX/XX/XXXX. 

I have never rented anything from XXXX XXXX nor any rental place of the sorts. I have never received any communication of any kind about this " loan '' prior to this letter. I am left to believe this company is fraudulently targeting me. Therefore, I am reporting the incident to CFPB and will not respond to the company in an effort to protect myself.
Product: Mortgage

On XX/XX/XXXX I paid off the mortgage and the check was made payable to XXXX. I have researched the property in the Maryland XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX was acquired and is no longer in existence today. F.N.B. Corporation ( First National Bank ) acquired XXXX XXXX XXXX XXXX, the Baltimore-based holding company and parent of XXXX XXXX XXXX in XX/XX/XXXX. I contacted Customer Service at First National Bank, and I contacted the local branch of First National Bank in XXXX, Maryland requesting a copy of my cancelled check to prove that my lien was satisfied. First National Bank has been non-responsive and failed to return my call or follow-up on my request.
Product: Credit reporting or other personal consumer reports

My credit was pulled without my authorization resulted in a hard inquiry from JPMCB on XX/XX/scrub>XXXX XXXX XXXX XXXX