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  Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666A & 1666B : A creditor may not treat a payment on a credit card account under 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 payment due date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

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

EXPERIAN WILL NOT CORRECT INACCURATE information from my report! 
THEY ARE USING THE E-OSAR FOR DISPUTING! 

The FOLLOWING accounts below has an INACCURATE Highest Balance of {$4800.00} XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with XXXX home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.
Product: Debt collection

Filed dispute letter XX/XX/XXXX and XX/XX/XXXX for verification documentation and accuracy of this account and have not receive requested documents, per, Section 609. Spoke with collection agent from Resurgent Capital Services/LNVN and XXXX XXXX XXXX  agents on XX/XX/XXXX and was verbally informed that I have no account with XXXX XXXX XXXX, and XXXX XXXX XXXX  were not able to find my information with them nor provide any evidentiary documentation for accuracy and verification. I requested to have this information removed from credit report. And the customer service agent was very rude and disrespectful.
Product: Credit reporting or other personal consumer reports

I have one collection account and 4 inquiries on my credit report I do not recognize. 
Which includes : XXXX XXXX XXXX for {$3400.00} Date of this account is XX/XX/XXXX. I disputed this account multiple times. I called to tell them I do not recognize this account and it still remains on my credit report. Also there are 4 inquiries which are XXXXXXXX XXXX XXXX and Feb/Destiny. XXXXXXXX XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Feb/Destiny inquiry date is XX/XX/XXXX. I have no knowledge of any of these accounts.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the bank regarding these late payments, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and have agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Credit card or prepaid card

Today, I received a letter in the mail stating I have a balance of {$350.00} but when I called in and spoke with two representatives ( one of which hung up on me ) and a supervisor name XXXX  I was told the payments I have been making for the last 7 months did not go towards the full balance. In fact, they told me the money applied was towards a specific plan and in order to clear the balance, I would have to pay the amount in full or start a new plan. As XXXXXXXX XXXX as I was, I XXXX  the XXXX XXXX reviews to find that many other people complained about discrepancies regarding the balances and the communication of such. I am not sure how or why this financial institution still is capable to perform so poorly irregardless of the terrible experiences provided to customers. Aligned with such, I have no access to the digital statements and was told the only way I can see my statements are via Fax or mail ( 7-10 business days ). Let 's be clear, how many people actually own a fax machine much less communicate via Fax? This company, from my experiences, needs to be investigated as I believe something fraudulent is going on to upkeep the revenue flow. People online, like myself, have complained about the questionable balances that are not lowered and have been poorly communicated. Hopefully, a resolve can come about so people can walk away feeling better.
Product: Credit reporting or other personal consumer reports

I recently discovered unrecognizable accounts on my credit file. I reached out to Credit bureau to investigate, delete, and send me updates. I also sent copy of police report but they are always sending back the same generic letter stating that they do not believe I sent5 in the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is in violation of consumer protection laws.
Product: Bank account or service

I have Account  with PNC bank For Long Time With Good standing Balance, Suddenly They Close my A/C, No given Reason Say we can close any A/C If we want.
Product: Debt collection

GLA placed a collection of {$130.00} which is not owed on 3 of my credit files. XXXX, XXXX, and XXXX.This debt collection should have never been filled against me. Debt was paid directly to XXXX XXXX by insurance and I paid the remaining balance. I did not receive any information about this prior to going into collection by mail or phone call. I discover it by a credit app notification. XXXX XXXX. I should have been able to dispute this debt before they place it in collection. No letter from them. No letter to verify I owed the debt
Product: Credit reporting or other personal consumer reports

It is my contention that the inclusion of incorrectly stated late payment remarks on my accounts constitutes a violation of 15 USC 1666. Every payment associated with these accounts has been timely rendered, and any deviation from this precise reporting is considered unjust and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the only credit bureau reporting Diversified Consultants Incorporated on my account. I had an outstanding balance with XXXX which I did n't receive notifications about because I moved. The bill amount was actually for the new tenant who moved in, but the larger issue was that this information was reported onto my credit report. <P/>DCI reported various balances, from $ XXXX- {$250.00}, so i disputed their reporting and went into a XXXX store to find out the true outstanding balance. I went into XXXX and was notified the balance was {$150.00}. In XXXX 2017 I paid the amount directly to XXXX in XXXX, CA and was assured the information would be removed from my credit report because my account had NOT been sold to DCI, and the collections portion was recalled because I paid. <P/>I pull my credit report in XXXX, and DCI was still reporting an outstanding collection. I sent DCI a copy of my receipt paid to XXXX, with a print out my account that also shows XXXX balance. A copy of the receipt was also sent to XXXX, XXXX and XXXX. XXXX and XXXX have removed the lines. <P/>My XXXX report states DCI is reporting a XXXX balance, but this information needs to be removed. DCI claims on XXXX that I paid them in XXXX 2017, this is false. DCI is reporting a Paid status, but this is inaccurate because I never paid them, I paid the original creditor directly, and is in direct violation of the Fair Credit Reporting Act.
Product: Mortgage

In XXXX I applied for a home mortgage through Wells Fargo, I granted the loan with a set interest rate that I could afford, that interest rate changed the day I closed on my house. They never informed that interest rate changed after they reran my credit score, I then had to have my mother be the co borrow after I was told I was approved. With that being said they raised my interest rate drastically even with my mothers credit score being XXXX. That day was the beginning of XXXX XXXX of XXXX. I ended selling my house in XXXX. I only was late a couple times on my mortgage payments and still ended up in foreclosure, I was able to save my house but withdrawing my pension and my mother helped get it out of foreclosure with her retirement money. To this day I still homeless after being forced to sell my house because I couldnt afford the payment due to to high interest and years of applying for home modification and being denied time after time! I would send all documents they needed for application and then they would send a letter stating they never received a document which I would prove by sending a copy of the document and confirmation from XXXX where I would fax documents to wells Fargo. This nonsense went on for years. At one point they told me the modification app was complete but I had filled it out in black ink and could only be filled out in blue ink. I kept every piece of paper for Wells Fargo for years knowing that they were committing fraud, gave me a loan that was fraud from day XXXX, the home insurance that was attached to loan was fraud, everything thing they did and said was fraud and illegal. I almost took my year several times I. The past XXXX years due to WellFaego destroying my life! I gave them at least XXXX in hard cold cash that I worked hard labor for. And I. The end I broke even when I sold the house. The title company was fraud along with realtor that sold the house to title company!!! To end years of XXXX and all my money take XXXX years after house was sold my mothers Social Security Income was garnished for almost XXXX years stating that loan modification loan was never paid. Which is fraud and a lie how can you sell a house with an existing loan and the entire mortgage is paid off! So I ended upped Paying my mom back XXXX from which they took from her social security check every month. To this day my credit is awful and the housing market is skyrocketed and I continue to live in a camp trailer! Please take this complaint seriously and make Wells Fargo countable for there illegal activity! Also had bank accounts with wellsfargo that would charge my illegal fees and made me pay XXXX in a wire transaction in there office to get out out foreclosure! Sincerely XXXX XXXX
Product: Bank account or service

In XX/XX/XXXX, I submit a complaint [ XXXX number : XXXX ] about Wells Fargo Unfair banking practices that included no notification regarding issues about banking practices after being a XXXX year customer. I received a response thru your bureau on Tue, XX/XX/XXXX. They admitted their was a misunderstanding that old practices have changed regarding accepting checks made out to " Pay to the order of '' made out on back of Government checks. I was never notified until they closed my account, took my money, was blacklisted for every bank in my area and I received threatening phone calls from XXXX of their representatives. Now it 's XX/XX/XXXX, I get a bill in the form of a XX/XX/XXXX XXXX for the suppose debt related to this misunderstanding, whereby, I never received any money but I did lose money. This claim is incorrect since I did not received any income related to this discharge of debt related to their error. They may have but I did not. I hope your bureau can make Wells Fargo understand that if early notification related to these transactions had been made, I could have corrected the behavior & requested a personal check rather than on the back. I guess as punishment for their mistake, I must pay more in taxes for something I did not get appears fair to Wells Fargo.
Product: Mortgage

I have been trying to get a loan modification with AmeriHome Mortgage since the beginning of XX/XX/XXXX. I sent in my workout package on 1-2. I have made contact with them every week since then. 
On XX/XX/XXXX I was told that the Uniform Borrower 's Assistance form I sent needed to be the 5 page version, with signatures on different pages. This made no sense to me on several accounts. For one, my wife and I are married and file taxes together and our lives are joined in every way including financially. Why I would be asked to sign on a separate page is beyond me. Even stranger was the fact that I could not even find a UBAF with separate pages for signatures which was even more strange. I sent a 5-page UBAF with both our signatures in the full expectation that my file would move forward. I was again asked to send in a 5-page UBAF with separate signatures and I called back again on XX/XX/XXXX to tell them that I am not sending any more UBAFs because they can't seem to explain what UBAF I am even supposed to send in that would be acceptable let alone this nonsense with the signatures. On XX/XX/XXXX, I called in asked asked them to send me whatever UBAF they would accept. They send me the one attached named " FRAUD. '' The reason for this descriptive name is that the application has different dates along the bottom. Some say XX/XX/XXXX while others say XX/XX/XXXX. While it does have separate pages for the borrower and co-borrower, I can not in good conscience sign this form. The documents are clearly fraudulent and have been tampered with compared to the authentic application from the FHA website. I will not allow AmeriHome to coerce me into committing fraud, nor sign the fraudulent papers they have sent me. And if this the standard application they send to all of their clients, I am deeply concerned not only on this atrocity committed to me, but to all of AmeriHome 's clientele. What's worse is how they have spent a month now continuously rejecting an authentic FHA UBAF from XX/XX/XXXX ( also attached ). AmeriHome mortgage is refusing to accept genuine FHA paperwork for inane reasons while trying to coerce me and who knows how many other homeowners into signing their fraudulent alternatives and they should go out of business.
Product: Checking or savings account

I tried to deposit my checks about 5 of those to the Bank of America atm machine it took all the checks and gave me error saying they could not completed the transaction but I have the receipt shows {$3100.00} deposited a few days later it went back to negative. have trying to solve this problem since XX/XX/XXXX  but no results. 
transaction date :XXXXXXXX  amount : XXXX place XXXX nj ATM machine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXXXXXX University Closed : XXXX XXXX
Product: Debt collection

We received XXXX letters from Full Circle Financial Services claiming we owe {$150.00} to Shark Rocket Deluxe Pro Vacuum. I replied to the first letter stating we do not owe this money and have never done any business with XXXX XXXX. We then received a second letter. We do no own a XXXX XXXX Deluxe Pro Vacuum, nor have we ever considered owning one. They also claim it was paid for with a XXXX ending in a number that is n't any card number we have ever had.
Product: Mortgage

My mortgage company ( AmeriHome ) sent me notice that my insurance policy was ending in 15days. I reached out to the insurance agent, who informed me that the mortgage company was billed for the insurance. 

Now I have reached out several times to the mortgage company to see what is going on and can not get any response. I emailed customer service, sent a message through their website, and I have called and never been able to reach an agent/person. 

This is the second time in which the mortgage company has been completely unresponsive during a serious and time sensitive issue, that has been caused due to their mishandling. What am I supposed to do if I have no possible way to contact the mortgage company at all, and they are responsible for having the issues taken care of?
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B to require the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find inaccurate accounts on it, and I cant figure out why this happened. I review my credit report regularly, but this time, errors popped up out of nowhere. I thought it might be a simple browser glitch, so I refreshed the page, but the accounts were still there. Please, Im begging for someone to carefully examine the documents Ive submitted so I can finally stop feeling so anxious about this issue.
Product: Credit reporting or other personal consumer reports

Several years ago, I noticed that someone was using my personal information and even had me living in XXXX, Ohio. I reported this theft to all three credit bureaus and I assumed it was removed and fraud alerts/a freeze was placed on my credit report. I never thought about it again. I recently saw this XXXX address again and I'm now wondering if anything was removed years ago and/or if this thief is back. I also recently filed bankruptcy. I immediately see all of these hard hits popping up on my credit. It's not me. I did apply for a XXXX XXXX credit card and was approved for {$300.00}. This was me. I do see XXXX XXXX XXXX, who is the leaseholder of my new car. This is me. However, everything else is fraud. I only see the hard hits. I'm not sure if anything was approved or not. I hope not. It's as if the thieves were waiting on my bankruptcy to clear everything up, so they could start fresh. I too, would want to do this, but do so reasonably. I also have some things that I would think should have been removed with my recent bankruptcy. I also have pictures and emails from XXXX XXXX, with large amounts pending. These have since disappeared. The emails were welcoming me to my new account. I have no new account. I did speak to XXXX and they don't see any of this. I'm so glad that I took pictures and I have it. I don't think anything fraudulent has come of this. I hope not anyway. I'm sure I'm missing information to give you, but I think I have covered everything. I think.
Product: Credit reporting or other personal consumer reports

I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are XXXX XXXX not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct in what they are doing. All 3 credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing a auto loan account. I am having an issue with Equifax. I have submitted 3 disputes with them regarding the following account : XXXX XXXX XXXX. It is a paid off car loan. My husband and I are joint on this account. I believe Equifax has corrected and updated my husband XXXX XXXX XXXX credit report but not mine. On my credit file it is supposed to be a CLOSED and PAID account. It was paid off in XXXX  2017 and Equifax keeps saying the dispute is complete but never updates the info. I have not had a problem with XXXX or XXXX. They have updated my credit file to {$0.00} balance-PAID and CLOSED. On my Equifax credit file it is still showing OPEN- {$11000.00} and Equifax will not remove or update it. I contacted the creditor and they updated Equifax with the correction and Equifax had it as $ XXXXPaid and CLOSED for one month and then it changed back to OPEN with a balance. Hopefully you can correct this with Equifax.
Product: Credit reporting or other personal consumer reports

This account was Charge off on they following date XX/XX/year> Since then they account was repeteadly been updated as Charge off every month .This is an updated in they payment history.A charge off account should not include an active payment history.This inaccurate information falsely manipulates they statute of limitation.I AM demanding a deletion of the following account.
Product: Debt collection

THIS ACCOUNT DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO GO TO THIS SCHOOL MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Midland Credit Management contacted my landlord several times and told them they were calling to collect a debt of mine in violation on FDCPA 804 ( 2 )