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

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit card

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$34.00} ; XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

The company sold a debt and the debt collector has been contacting me constantly saying I owe them. I have not provided them with my information neither do they have my Wet Signature according the FCRA consumer law The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/, was designed to eliminate abusive, deceptive, and unfair debt collection practices.
Product: Checking or savings account

On Saturday, XX/XX/XXXX I made a deposit to my Corporate Chase Checking account for XXXX at a Chase branch in XXXX XXXX, Ca. The bank made {$5000.00} of the deposit available and put a hold on the remaining balance until XX/XX/XXXX. The teller told me that the hold could be released if the funds are available and the check is cleared by the other party 's bank. On Tuesday XX/XX/XXXX the check was cleared by XXXX XXXX XXXX, the other party 's bank. I called Chase bank manager and had her verify that the funds are available but Chase still would not release the hold on the funds deposited to my bank. I have had this checking account since XX/XX/XXXX with no NSF. There is no reason for Chase to hold on to my funds. If as a consumer I went over my bank balance Chase would charge me overdraft fee for using their funds but I am not given the same protection when it comes to banks holding to funds that are mine. This is illegal and unfair.
Product: Debt collection

I originally took out a personal loan with XXXX XXXX on XX/XX/XXXX, with my former spouse, XXXX XXXX, as a joint borrower. The loan was reported as charged off in XX/XX/XXXX and reflected as such on my credit report. Despite this, I later discovered that Rogers , Carter & Payne , LLC XXXX XXXX XXXX  is now attempting to collect on the same debt under a different name. 

This appears to be double reporting, as the debt is listed twice under different names, misleadingly impacting my credit and creating confusion about the true status of the account. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of debts. 

Additionally, I have not received a 1099-C ( Cancellation of Debt ) form, which should have been issued after the debt was charged off. Despite this, the company continues to demand payment, including legal fees, which raises concerns of compliance with IRS regulations. 

I have requested validation of the debt and clarification regarding the relationship between XXXX XXXX and Rogers , Carter & Payne , LLC, but have not received adequate responses. 

I am requesting the CFPB to investigate these issues and require the company to correct the inaccurate reporting, cease further collection efforts, and provide any legally required documentation.
Product: Credit card

My name is XXXX XXXX XXXX XXXX and I first want to thank you for taking the time to read this letter. Ive had a great experience with WellsFargo and my goal is to maintain the relationship weve built over the last years. I recently pulled my credit report and discovered I have a late payment that was reported on XX/XX/2023 for my account XXXX. During that time, I forget to set up my AUTOPAY I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that was already charged off and closed by XXXX XXXX in XXXX. I do not owe XXXX XXXX. They bought the debt for {$100.00} and is now coming after me for the amount of {$1600.00}. 

They are also threatening to sue me for this old debt. The daily phone calls are getting out of hand. It is affecting my credit and preventing me from being approved for certain credit offers.
Product: Credit reporting or other personal consumer reports

A

ccount is not correct. In Collections/Charge-off needs to be removed. Account status should be close and paid in full. We have not received the PAID IN FULL Letter from Hyundai.
Responding to Company remarks on XX/XX/year> : - Never received final letter invoice/must be paid in 30 days.

- I have proof of the conversation for approval of paying balance in XX/XX/year>. 

- Auto Payments were never late. XXXX stated they never received the cashier check - but the supporting documentation provided shows XXXX received check from USPS with signature. We had to wait 90 days for the cashier check to be returned due to XXXXXXXX XXXX negligence. 

- After I submitted my proof and on behalf my husband ( joint account ) XXXX requested additional time to research and respond to this complaint. My husband and I have not received a response. 


- Two Payments were made on XX/XX/year>. This Conversation was tape recorded with XXXXXXXX XXXX representative XXXX. I informed him ( XXXX XXXX XXXX XXXX ) I was using my husband debit card ( XXXX XXXX XXXX )- which is link to our joint account with XXXX XXXX XXXX. 

- Payments were received per conversation from XXXX and from XXXX XXXX XXXX  documentation. 

About 2 hours later - XXXX " Charged my husband Debit Card Without His Authorization - leading to cancellation of debit card for Unauthorized Charge. 

A Police Report was file for record and XXXX XXXX XXXX  submitted transaction made from XXXX, but it Declined due to wrong expiration date. 

Now I truly fear this company because they have my personal information including my husband. My husband and I don't feel safe with this company. What they did was illegal at both state and federal level. There are no trust. 

Supporting documentations are provided.
Product: Mortgage

We 've had our own flood insurance policy, purchased through XXXX Flood Insurance for our property at XXXX XXXX XXXX XXXX XXXX, Vermont XXXX since XX/XX/XXXX through XX/XX/XXXX without interruption. 

Despite receiving proof of this flood insurance policy for the term of XX/XX/XXXX through XX/XX/XXXX, Ocwen Loan Servicing placed a second flood insurance policy on the property through a company called " XXXX XXXX '' on XX/XX/XXXX, which expired on XX/XX/XXXX. We were not notified that the lender place policy had even existed until XX/XX/XXXX, sixteen months after the fact. 

Ocwen is attempting to charge us {$1900.00} for their illicitly placed policy. Ocwen has attempted to collect this debt by increasing our monthly mortgage payment from XXXX monthly to {$580.00} monthly. We paid the amount of {$580.00} for XX/XX/XXXX under the mistaken impression that the issue would be resolved and that the additional {$380.00} above our regular monthly payment would be refunded. 

Attached are insurance declarations pages for our XXXX Flood insurance policy, for the terms of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. We have also attached the declarations page for the lender placed insurance policy in question from XXXX XXXXWe would like the lender placed policy removed from our account, all charges dismissed, the additional {$380.00} either credited to the account or refunded, and for our monthly payment to be returned to {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPT EDXXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX ADJUST XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Mortgage

XXXX sold my mortgage to Bayview Loan Servicing, located at XXXX. XXXX, FL XXXX, over one year ago. I have owned my home since XX/XX/XXXX and have never been late on a mortgage payment. Since Bayview Loan Servicing took over my mortgage and my escrow account, they have not paid my School or County/Town taxes on time and I receive late notices for the taxes that include penalties and interest. Long story short for the past year I have spent hours on the phone with this company trying to get this straightened out. In fact It all began with them having my last name wrong on the account. I was remarried in XX/XX/XXXX and XXXX had all of this correct after all of the proper documentation was sent to them. I finally got this straightened out with Bayview after numerous telephone calls and time taken away from my job to have this corrected however they still are not paying my property taxes on time. After many telephone calls, I went to my mom who works for the Town of XXXX. and she brought me to the XXXX to investigate. I then contacted Bayview again a number of times to advise that XXXX which is a third party that Bayview uses to pay the property taxes advised us that Bayview Loan Servicing inactivated my account on XX/XX/XXXX and they do n't know why so Bayview needed to take care of the matter and get the taxes paid. Bayview on my last conversation advised me again that the taxes are being researched and we should know something around XX/XX/XXXX. This I was told after discussing with them that the Warrant date for my property taxes to be paid is XX/XX/XXXX and this is going to create more penalties and interest not to mention this begins the vicious cycle again and does not correct the matter. I am at my wits end and this has caused my a tremendous amount of XXXX and is causing me problems at my job not to mention on my health. My next step is to contact a Lawyer but I do not have the money to do this as my husband is ill at this time and has not returned to work not to mention that I have no more time available to deal with this incompetency I other more important matters to address to with an ill husband, my job and children. I have asked my mom to step into help and I feel bad about this because she has a stressful enough job. She is going to sending another letter to Bayview to request that they release my escrow to my so that I can pay my own taxes. I can ' t take this anymore. I have had a few representative at Bayview including Supervisors that have tried to help and were professional however I have also had some that were rude, put me on hold and never came back, disconnected me and I even had a man swear at me and hang up. I ca n't deal with any more of this. Please advise.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report. XXXX XXXX XXXX XX/XX/year>, XXXX  XXXX VIA DEALER XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I did not authorize these accounts. I would like them removed from my credit report.
Product: Credit card or prepaid card

I received an alert from XXXX XX/XX/2022 that Bank of America had accessed my credit information. 

I wasn't sure what to think of this, but then today, XX/XX/2022, I received a letter from Bank of America stating that I had applied for the Bank of America Premium Rewards Visa Signature card. 

The letter stated that the application was still under review because additional information was needed from the co-applicant on the application. 

I did not apply for a credit card from Bank of America, so I called the phone number provided on the letter to speak to one of their " knowledgeable credit analysts ''. The number listed was XXXX with an address of XXXX XXXX XXXX, XXXX, TX XXXX. 

I was told that the application was marked as fraudulent and that I should call the credit bureaus to report this fraudulent application with my information. 

The interaction with the representatives I spoke with seemed questionable, as they kept trying to confirm my information, get further information out of me, and were hesitant to let me speak with their superiors. They would not tell me the name of the co-applicant. In fact, they stated that they had no record of a co-applicant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave my consent to anyone to run my credit
Product: Debt collection

Ttey claim I owe credit card debt from over 20 years ago to the now defunct Orchard Bank. They have threatened, lied, name called and used profane language. They have called at XXXX in the XXXX  and claimed the filed a UCC in the state of Rhode Island against a supposed debt that as already reached the statute of limitations. I found that they did not file a UCC against an unsecured 20+ year old debt. 
They are also calling related people in the area with the same last name including the ex wife of my ex husband. They NEVER leave a message and most of the calls are from spoofed numbers. 
XXXX XXXX should be closed down due to their illegal debt collection practices.
Product: Debt collection

1st Franklin local office on XXXX XXXX in XXXX, AL has harassed me by calling repeatedly. I recieved 5 phone calls between XXXX XXXX to XXXX XXXX while I was at work. They left 4 voicemails with the calls. 3 of the 5 calls are 30 mins apart.
Product: Mortgage

Well, basically my mortgage company wa s Countrywide Financial &amp; because  they &amp; many others were deemed guilty of securities fraud by  XXXX   XXXX , I have also deemed the financial terrorists because of their criminal actions leading up to the   XXXX   mortgage crisis, I have pretty much lost everything. My home, my marriage, my career. I used to earn on average  XXXX  per year. However because of the criminal acts of securities fraud by Countrywide and other financials, rating agencies, etc., etc ... My career as a broker of Federal Funds between banks, was directly pretty much wiped out &amp; I do have proof of this. So, why is it that my life was destroyed &amp; the criminals are allowed to still send me a  XXXX  &amp; or try to collect on the debt they turned toxic &amp; used to destroy millions of lives, families &amp; careers for decades to come ... Why is this ... In addition to them trying to collect on this toxic debt via debt collectors ... How can a criminal be allowed to sell this debt to a collector ... This debt should be deemed uncollectable &amp; the criminal bank or lender should have no recourse in collecting this debt &amp; or writing it off, as why should I receive a  XXXX  &amp; also owe taxes on the very debt that was used to destroy my life &amp; career. That is adding insult to injury ... Forget about the Mortgage Debt Forgiveness Act, as that my not be available to me when the toxic dust settles for me ... What I need is a full financial pardon from all my toxic debt that was rendered a weapon of mass destruction by these financial terrorists. That means from also not having to pay taxes on this toxic debt that was used to destroy everything ... Why should I have to pay taxes on this debt, when this debt already destroyed my life &amp; career on the first pass ... Please let me know what you may be able to do for me.
Product: Debt collection

Ronald H Reynolds on XX/XX/2018 stated by his letter and signature he was no longer on this account ending in : XXXX and that the creditor XXXX XXXX XXXX XXXX had recalled the account. 
Ronald H. Reynold is still collecting money for this account of {$200.00}. XXXX plus per week. Still mailing me mail about this account and created print outs in which are not correct as XXXX  print outs of how much is taken out. Ronald H. Reynolds is doing no more than committing fraud. If your not on the account why are you still contacting me & filing for updated garnishments with out mailing notice to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Early Warning Services on XXXX XXXX regarding information reporting on my consumer report due to identity theft. I was denied relationships with financial institutions and currently have one account frozen due to derogatory information reporting on my account resulting from me being a victim of identity theft. I disputed this information followed with a police report requesting that the information be blocked. I also filed a separate dispute with the CFPB ( Reference # XXXX ) clearly stating the account number to the account that needed to be blocked ( XXXX XXXX XXXX XXXX XXXX ). I had been harassed by a debt collection agency named XXXX so I specifically listed the account at XXXX that needed to be blocked as there is an ongoing investigation! Early Warning Services sent a letter stating they received my dispute and had placed a block on the XXXX account due to identity theft. They didnt reference back to the XXXX account that I listed on my dispute CFPB complaint. Instead Early warning services blocked one account that list checking account fraud but not all of them! I recently tried to open a bank account and was denied again due to Early Warning Services not being fair in their practices! Also Early Warning Services is reporting several accounts from XXXX bank with different status reasons. The accounts are listed below : XXXX XXXX Account # XXXX Closed Purged XXXX account # XXXX it doesnt state what type of account this is but status lists Closed-purged XXXX account # XXXX XXXX for cause-purged This inaccurate information is critically damaging my future relationships with banking institutions and needs to be removed immediately. I owe XXXX no debt and any outstanding balances has been satisfied per my EWS consumer report.