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

On XX/XX/XXXX I sent a dispute letter to Equifax and XXXX  to delete an account on my credit report for XXXX XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX XXXX KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX  XXXX originally posted the collection account on both Equifax and XXXX  in the amount of {$1400.00}. After the judgment, they changed the collection amount on Equifax and XXXX to {$880.00}. I sent Equifax and XXXX  all supporting documents from the court case and after my dispute was " investigated '' by Equifax they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. XXXX stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX  XXXX on XXXX on XX/XX/XXXX and Equifax on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN and XXXXXXXX XXXX XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX  XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX Is not valid this is my third attempt to EXPERIAN to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. XXXX and XXXX both investigated and found these accounts to not be valid and they were removed. Experian continues to not do there de diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XX/XX/XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX,XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$50.00}
Product: Checking or savings account

I had a bank account at XXXX 2 years. This bank was bought by XXXX XXXX.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to ASSOCIATED CREDIT SERVICES , INC.. They should not have made this incorrect charges/errors. The ( ACS ) Associated Credit Services , Inc. XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete specific fraudulent accounts and inquiries from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
I am a victim of a data breach and have discovered fraudulent activity in my credit report that I did not authorize. The details of the fraudulent accounts and inquiries are as follows : Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Fraudulent Inquiry : Name of Creditor : XXXX XXXX XXXXXXXX of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pre employment company requested my background check. The crime was committed in XXXX but what First Advantage is showing is XXXX which is when I served time not when the crime was committed. The way First Advantage is displaying my background is showing that date as XX/XX/XXXX which gives the company the thought that the crime was committed in XXXX which is false. This needs to be clearly stated as to when the crime was committed verses when time was served.
Product: Mortgage

I have had a mortgage with US Bank since XX/XX/2012. I have always paid my monthly payment through my bank with electronic transfer. I have never had a late payment. About 5 months ago, when US Bank received the payment they posted it as principal only. Despite numerous phone calls on my part, and corrections made by US Bank, they continue to post every monthly payment as principal only. They then proceed to call several times a month to get the " late payment. '' This month I have talked to them twice, and both times I am told that they will change their system to show that the payment was exactly that ... my monthly payment. The person I talked to yesterday suggested that I make my payment so that US Bank receives it after the first of the month, rather than before. I just got yet another phone message, a recorded message, to call them again and be put on hold ... again.
Product: Debt collection

Please refer to the following sets of previous case numbers:XXXXXXXXComplaints were originally filed against this creditor by me, the creditor has admitted they areunable to locat eme in their records however they will not remove the invalid items from my credit report. This is my third time sending a dispute to CFPB and teh last time I disputed, they did NOT respond within their allowed 30 day timeframe. THe creditor is the same for both items, but the XXXX items are independent of eachother and both negatively are impacting my credit reports.
Product: Credit card

I have an XXXX AAdvantage Citicard because I want to earn miles on my purchases. I recently took advantage of a balance transfer offer to remodel our kitchen and we made a transfer of {$15000.00} on XX/XX/XXXX. The 0 % interest balance is good through XX/XX/2017. Since then I made my monthly payments to cover my purchases and pay part of the balance transfer. I discovered I was being charged interest and the amount listed on the statements for the balance transfer was much lower than expected. I called Citi customer service to find out what was happening. They said the balance transfer offer stated that any payments made would be posted against the lower interest rate first. So in other words, to avoid any interest I would have to now completely pay off the balance transfer before they apply payments against my purchases at the higher rate! This is completely backwards! I realize this is what I blindly signed up for now, but this is completely anti-consumer. No one would expect it to work this way and I find this quite deceiving and quite frankly stupid on Citi 's part ( except they benefit by charging interest ). The rep told me I should n't have used the card for purchases, but just for the transfer. Why would a credit card company NOT want me to use my card for purchases? So now I 'm trapped, with no other option, but to transfer my entire balance out to another card to avoid paying any more interest. This has now cost me {$470.00} for the first transfer fee, {$70.00} interest in XXXX and {$97.00} in XXXX. It 's also costing me another {$720.00} to transfer my complete balance out of Citicard. My wife and I both have the AAdvantage cards and we used them as our primary cards, putting thousands on them each month and paying the balances each month. We WANT to use the cards for purchases, including utility bills, phone, etc. as we WANT to earn miles with XXXX. Why would a credit card company NOT want me to use their cards for purchases? If this does n't get resolved, then Citicard will have lost XXXX consumers for life and we both lose, me and Citi. For now, we have ceased using our cards unless we can come to a resolution.
Product: Student loan

After sending the last complaint Nelnet has unlocked my account so that I can view it. It stated that I was in forbearance. That status has now been changed to repayment. Today I spoke with someone in Nelnet 's customer service department. She isn't sure why I was given incorrect information concerning my Public Service Loan Forgiveness. I asked why my loans were placed in forbearance and she indicated that  happens automatically when I am in bankruptcy. I was never given this information prior to today. She said that I am in a graduated plan, which is still the wrong plan. But the payment with this plan has never changed. The payment is supposed to increase every couple of years. She suggested that I consolidate my loans, which I thought I already did, and begin the income driven repayment plan again. I have currently been making approximately the same payment since XX/XX/2003. Something can't be right with this. I'm not sure how to proceed from this point. I honestly get different information from everyone I speak to and no one cares. The girl last week at Nelnet told me my payment would be around {$800.00}. a month on the income based plan, today the representative said she couldn't possible know that. So who do I trust and how do I correct this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
Product: Debt collection

On XX/XX/XXXX, Credit Management Services ( CMS ) sent me a notification of a debt. On XX/XX/XXXX, via USPS certified mail, I sent a request of debt validation ( letter attached ). On XX/XX/XXXX, I received a certified letter from CMS containing a summons, stating that CMS has filed suit against me in XXXX County ( Nebraska ) Court. The court assigned case ID XXXX XXXX XXXX. To date, I have not received the requested and required debt validation from CMS.
Product: Checking or savings account

My name is XXXX XXXX I got this letter in the mail today it is attached below so please read it I need the promotional code to be review and investigate again or appeal it to be investigated again I disagree with the decision because I did meet the requirements all the agents told me over the phone so please add the bonuss to my account for {$300.00} or issue me a onetime credit for it for wrong information or wrong agents information because I meet the requirements and mail me a check for it checking account number is XXXX and saving account number is XXXX because I really need the {$300.00} etc.
Product: Credit reporting or other personal consumer reports

As a furnisher it is your responsibility to notate when an account is in dispute. I have disputed the these account for 4 months now and you have failed to notate in the comments.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint because theres a big issue with my credit report. Somehow, information from another person is showing up on my report, and its really messing up my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, My name is XXXX XXXX I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX Balance {$560.00} Medical XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$760.00} please update and remove all items listed above
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$620.00}
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter to me stating they had transferred my Mortage Loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX as XXXX XX/XX/XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX over paid XXXX XXXX XXXX Ins twice to XXXX Homeowners Ins. with payments of {$1900.00} and {$1900.00} respectively. I only owed {$1900.00} ). 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX  : XXXX XXXX XXXX. 
U S Bank XXXX XX/XX/XXXX U S Bank sent me an Escrow Analysis that they had completed and send to chase informing me of an escrow shortage and my moortage payments would b going up & XXXX, even though their analysis was mad on incorrect data on XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX and XXXX, I contacted all three parties in efforts to correct this. They would not correct the error on the excrow or my Mortage. My mortage is set to increase on XX/XX/XXXX. This is deception, abusion, discrimination and failure to communicate with me to solve this error by all three paeties listed above. I am asking for this Notice of Error to be Corrected by XX/XX/XXXX and my Motage monthly payments should be {$1300.00} as I also do not owe any more PMI insurance.
Product: Mortgage

I recently filed an insurance claim for some water damage to my home. I contacted my loan servicer on XX/XX/2022 to ask whether there are any restrictions on my ability to perform the repairs to my home. My servicer told me that normally they do not allow self repairs, but that I should keep my receipts and they might release the insurance proceeds to me. The answer seemed somewhat strange to me- either I am allowed to perform the repairs myself or I'm not. So I asked the same question two more times and received the same answer. I reviewed my mortgage and it provides that " During such repair and restoration period, the Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender 's satisfaction, provided such inspection shall be undertaken promptly. '' Nothing in my mortgage gives my lender the right to refuse to allow me to perform the work myself. Nor does anything give my lender any control over who performs the repair. I found PennyMac 's response to my simple question to be highly deceptive. It seemed to be specifically designed to mislead me. I've been a customer of PennyMac 's for over six years and I'm very disappointed with their response. PennyMac should be able to provide me with a clear answer to my question.
Product: Bank account or service

On XX/XX/2017 my son went to the ATM to deposit {$600.00} in money order and {$59.00} cash. The machine only took the {$600.00} and {$30.00} cash and he went to the counter to deposit the {$20.00} cash. I checked my account and nothing was posted. I went to the branch and they said nothing was out of order. I have my money order receipt for the transaction.
Product: Mortgage

Wellsfargo placed me on forbearance without my consent. They damaged my credit twice. Never missed a payment. See attached credit screenshot.
Product: Mortgage

During XX/XX/2023, I contacted standard mortgage 's counselor in XXXX XXXX to discuss options if I were to get behind on payments since I have FHA loan. The counselor was very rude and explained to me that the only options were foreclosure ; no type of modifications or payment plan. As of today I am delinquent for the month of XXXX, XXXX, and XXXX. The counselor personally mailed me a letter in XXXX stating since I am behind I have two options : sell my home or choose deed in lieu of foreclosure and to circle my choice and mail him back the letter. The letter also states since I am delinquent its most likely I won't get back on track. I feel I am being discriminated due to my residential area being predominantly XXXX XXXX  ; therefore the counselor purposely disregards every federal housing and lending regulations.
Product: Credit card

Please check to see if there is a Discover Card in my name ending in XXXX. If there is please close and report to proper law enforcement.
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to have the XXXX information removed from XXXX, Experian, XXXX and XXXX XXXXThey are still reporting information they should not be
Product: Debt collection

XXXX from Halstead Financial services gave my mother the last XXXX of my social security number did not confirm who he was speaking to accused her of being me and would not verify what the call was in regards to or where he was calling from he had absolutely no right giving out that information. My social security number has been endangered. Now I am worried that it is in the wrong hands my privacy has been breached.
Product: Checking or savings account

In XX/XX/year> a payment was made via XXXX from my bank Wells Fargo, to my contractors bank, XXXX XXXX XXXXXXXX. The contractor did not complete any work and I asked WF to investigate but XXXX said it did not qualify. So today I sued the contractor and won in court and now I need the last 4 digits of his account to issue a bank levy. XXXX has said I need to ask WF to help and WF has said I need XXXX to help. Basically no one wants to assist so that I can collect this money. This is kind of ridiculous in that I had to go to court and now I can not get any cooperation from either company!!!!!!!!!!!!! Where is the oversight with XXXX?????
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX  and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
Product: Debt collection

I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( XXXX ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit 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 My actual and current address is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the XXXX timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. If you need further information, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX