23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had filed bankruptcy, which was finalized in XX/XX/XXXX, chapter XXXX due to a divorce. My mortgage and my truck was not included in my bankruptcy. Those were the XXXX exemptions I choose. 

I had gotten laid off due to XXXX, so I was on the XXXX XXXX mortgage assistance program, not only is this mortgage company reporting that my mortgage is late 180 days during those months that I was currently on the XXXX mortgage assistance program, but they also reported to all three credit bureaus that my mortgage closed and and filed under chapter XXXX bankruptcy. Which absolutely makes no sense because I just sold my home in XX/XX/XXXX XXXX Mortgage is the one who sent over the final statement balance in order for the people who purchase my house to officially buy it. I contacted the mortgage company and they didnt give me any information. All they told me was, well we just reported that we received your bankruptcy paperwork. I said I understand that, but it clearly stated that my mortgage and my truck were the XXXX items that are exempt, therefore not under my bankruptcy, so that doesnt make any sense? and then I said why have you not reported to the credit bureaus that I sold my home for which my loan was in good standing, and I was protected under the care act to the XXXX She shrugged and said she doesnt know, that its normal to report that they received bankruptcy documents, and I told her that is fraudulently reporting to credit bureaus that I filed bankruptcy and including my home so XXXX is in charge of this bankruptcy department doesnt know what theyre doing if they wouldve read it and not only that he can clearly see that the last transaction that was ever made was a big check petting them off, so She told me that I need to contact the Credit bureaus and dispute it so I contacted the credit bureaus. I tried to dispute it and they still denied it. I have my closing documents of my home to prove that I sold my home in good standings. I have the documents proving that I was under the care act so they should not be reporting my payments as being late, and I also have a copy of my bankruptcy documents, showing that my mortgage and my truck was not included in my bankruptcy, and it is killing my credit and nobody cares and thats a really big thing to falsify on someones credit report that they foreclosed, and they found bankruptcy on a house which they did not, and they sold the house in good standing. 

And she told me that there is no department that I can call or contact XXXX XXXX  regarding the huge mistake that they made and then she told me I had to go and jump all through these hoops and write a letter. I just dont understand how they could possibly report my mortgage thing for close and bankrupt on when it clearly states on my profile that it was paid off in full in good standing I just dont know wh
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profiremovalle. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXX ( XXXX BANK ) XXXX Balance : {$680.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$880.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a customer reporting agency can not furnished a account without my written instructions
Product: Credit card

In XXXX I purchased a lawnmower from Lowes using Synchrony 's pay later. I made the initial payment of XXXX on XXXX XXXX. Later in XXXX, I found out I was eligible for Louisiana SCRA benefits on credit accounts and submitted a request to Synchrony to have SCRA benefits applied. Synchrony applied the benefits to all accounts after providing appropriate documentation. This pay later account, however, is inaccurately reflecting the benefits. After submitting, the account updated online to show a minimum payment of XXXX due, which I promptly paid on XX/XX/XXXX. After making that payment, the account updated again and began inaccurately reflecting a minimum payment due of the entire loan balance and 24.99 % interest. I called several times and spoke to representatives as well as chatted using the online chat system and was informed the minimum payment due would be approximately XXXX dollars and that the system would update within 60 days. This has yet to happen. I continue to make the XXXX dollar payment as reflected in the attached screenshot of payment history. The account is reflecting as delinquent when it should not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Please remove Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX XXXX , XXXX XXXX XXXX , XXXX SiXXXX, XXXX XXXX
Product: Mortgage

U.S. Bank sent me two escrow shortfall statements within months of each other. In XXXX, my mortgage insurance was supposed to be removed. I was advised this a year ago by a U.S. Bank employee. I contacted U.S. Bank in XXXX and they sent a letter advising the mortgage insurance would be removed. Thereafter, my payment went down approximately {$220.00}. However, I received an escrow shortfall statement advising {$100.00} would be deferred over the next year ( which would increase my monthly payment ). I paid it in full and delineated it to be applied to the escrow. Thereafter, not even two months later, I receive another escrow shortfall notice, now advising {$190.00} is due. I just paid the {$100.00} in XXXX! I called and spoke to a rep who was unsure of what was going on, advised continuously that she had to look over my records, said it was due to the mortgage insurance being dropped, and just seemed so unsure, I figured I'd send an email. I sent an email the same day, around XX/XX/XXXX or XXXX, and to date, I have not received an answer from U.S. Bank. I advised them they collected mortgage insurance from me for months when it should have been removed, and hit me twice for a total of {$290.00} for an escrow shortfall but won't answer me about why they collected mortgage insurance longer than they should have. I emailed twice and to date have not heard back. Also, the U.S. Bank website in my account doesn't show the emails I sent, only the ones they send. I'm so disappointed. I've maintained a good payment history and relationship with U.S. Bank and feel they can at least dignify me with a response to my concerns. I don't understand this process and asked for clarity but they refuse to answer me. Is this something a lender can do? Charge me a shortfall twice, within two months. They tried to increase my payment more than {$20.00} after removing the mortgage insurance ( first shortfall of {$100.00} and the second of {$190.00} ). Is this normal? Why is it fair that they can collect mortgage insurance for months after I met the equity requirements to have it removed, and then come to me twice to increase my payment? This isn't fair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month ofXX/XX/2018I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX and I visited Equifax still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX XXXX are reporting several late payments on several accounts, these late payments are adversely affecting my credit and I have requested that Transunion, XXXX, & XXXX provide me with evidence that these late payments are indeed correct. 

The account in question are Transunion 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 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 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 ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting

Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

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Product: Debt collection

this is a garnishment from XX/XX/XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XX/XX/XXXX the judgment was filed XX/XX/XXXX the issue or matter was with XXXX XXXX  which is now XXXX XXXX XXXX and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is 13 years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history
Product: Debt collection

There is an account that is showing up on my credit report ( NATIONAL CREDIT SYST / XXXX / XX/XX/2013 / {$3500.00} ). This account is incorrect and is not mine.
Product: Debt collection

A company called Niagara Credit Solutions who I suppose is a third party debt collector is harassing me at work and on my cellphone. They said they have employment verification to garnish my wages which ca n't be true because they keep asking for me under my maiden name and I 've been married for nearly XXXX years. I called them back and told them to stop calling me, stop harassing me, etc. Because my husband & I bought a home last year in which I had to pay any outstanding debts to get the mortgage, and which were paid. They are asking now for a sum suspiciously close to what I paid another debt collector last year. I told them I would report to the BBB for harassment, I have never received a court summons, and they are threatening to garnish my wages which I do n't think they can do. Something illegal is happening here and I am getting tired of it. I can not possibly have an outstanding debt or I would not have my home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I recently looked at my credit file an notice some inquiries that I never authorized. XXXX : XXXX XXXX Toyota XX/XX/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 XXXXXXXX. I submitted an Ftc report notifying credit bureaus of unauthorized inquiries. I didn't give permission to run my credit is a violation of the FCRA and want these removed immediately. each violation will be XXXX each
Product: Credit reporting

I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out my letters to XXXX on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


Experian : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my Experian account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.
Product: Credit card or prepaid card

My credit report shows that I have a charge off on this account of {$370.00} for a XXXX XXXX XXXX credit card that I never had, I have sent a letter certified to this company disputing these charges and have not heard back, Below is the information reported on my credit report from the 3 credit bureaus and they are as follows : XXXX : 1. XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, High Balance {$370.00}, payment status-Legally paid in full for less than the full balance XXXX : XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, Account Status ; Closed, PAYMENT STATUS ; BAD DEBT & PLACE FOR COLLECTION AND SKIP, Comments : SETTLEMENT ACCEPT ON THIS ACCOUNT. PAID CHARGE OFF XXXX : XXXX XXXX XXXX, DATE OPENED : XXXX/XXXX/XXXX, HIGH BALANCE : {$180.00}, ACCOUNT STATUS : CLOSED
Product: Credit card or prepaid card

I got a 2 virtual visa gift card that were issued on XX/XX/2022 from prepaid digital solutions, one for {$25.00} and another for {$73.00}. I tried to use the card several times in XXXX  but both failed. Ive called the company but they were no help as they says the cards have expired, are closed and funds are forfeited. They do have an expiration date of XX/XX/2022 but Ive tried to use them before they were expired and always had trouble.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account XXXX : XXXX
Product: Credit card or prepaid card

Citicard has me listed as a authorized user for a card I never applied for or signed anything for. I have tried calling citi card but they no info with my information they said I need to know who opened account on put me as a authorized user. Which I dont know.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to fraudulent investment firm ( XXXX ).