23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by credit grantor, XXXX saying its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, they just say that the companies are NOT reporting to them over and over. 

Spoke with each and every missing lender and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my XXXX Report
Product: Credit card

On XX/XX/XXXX I used my Discover card to purchase medication through XXXX XXXX. XXXX XXXX used XXXX XXXX to fulfill the order. There was no option to use any other pharmacies. I later discovered that XXXX lacked a sterile compounding license. The medication route is for subcutaneous injection. I first contacted XXXX for an exchange or refund as at this time they no longer used XXXX to fulfill the orders. They declined to resolve my issue with exchange or refund. I was told other pharmacies were used to manufacture the medication despite the medication solely being labeled with XXXX labels. They declined to disclose what pharmacies were used. 
I then opened a dispute with Discover card, sharing all of the above information on the grounds of fraudulent merchandise sold not as described and counterfeit merchandise as the medication was told to me to be manufactured by a mystery pharmacy but labeled with XXXX XXXX. This was denied and I was told the transaction was valid. Since this began XXXX XXXX has voluntarily relinquished their pharmacy license. 
The purchase price was {$2500.00} on XX/XX/XXXX. I contacted XXXX for exchange of goods on XX/XX/XXXX with a reply back on XX/XX/XXXX. I initiated my Discover card dispute on XX/XX/XXXX with the denial being resulted on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX is using false Information on a debt that I'm already paying on. The original ( and only ) creditor is Capital One which I currently owe {$2700.00} out of XXXX. XXXX XXXX XXXXt is claiming That I owe XXXX which I never owed that amount. XXXX XXXX XXXX stated that the debt we sold on XX/XX/XXXX which capital one never did. Captial one sent me to court and garnish me ( Maryland district court case number XXXX date XXXX XXXX ). XXXX XXXX XXXX also would not allow me to dispute the issue with them directly ( I called more than one number ). XXXX XXXX XXXX reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX five transactions were unauthorized on my cash app account with a total of {$2000.00}. One transaction was {$1000.00} another was {$500.00} another was XXXX and another was XXXX and another for {$200.00}. I reached out to cash app and they agreed three of the transactions totaling {$1700.00} was fraudulent. Another XXXX was denied because they said I violated terms and now won't give me an explanation. However I have not received my refund yet {$1700.00} due to the debit card being closed. I have addressed this issue to cash app and I keep getting the runaround. They said on XX/XX/XXXX it was refunded which I agree but it's not getting sent to the card or account because it was turned off. I have reached out to numerous people through cash app and no one seems to want to help me. They say the refund was issued on XX/XX/XXXX and take up to five business days. It's been well over five business days and almost a month and I keep asking them to redirect the refund to a different card and they keep saying they can't do that. So now I'm at a loss because I can't get help from cash app and I'm not getting help from my bank because they're saying they never received it so now I'm coming here for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for XXXX  renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; Experian, XXXX  and XXXX  need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from XXXX  corrected. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Dae of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

1.The dispute for the account with XXXX XXXX for {$450.00} was a medical collection that based on the act that went into effect XX/XX/XXXX any medical collections below {$500.00} should not be reporting on credit report. I have asked multiple times to have this removed without success. 

Source : Experian Date Submitted : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Disputes XXXX, XXXX, XXXX Contact info Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Reported as late. 

XX/XX/XXXX reported as late Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX The above account was a XXXX account that has 2 accounts attached to the credit card number. I made a payment to the correct account and they applied to the wrong account. 1 is a store account 1 is an XXXX  account. I have requested multiple times for this to be corrected with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach.

Fraudulent accounts and inquiries have been added to my credit file without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiry be blocked and permanently deleted from my credit file : Account to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with credit karma an XXXX XXXX I understand the two are working together but my transactions are being messed with refunds to my bank account is what I was told I would be getting from XXXX XXXX XXXX XXXX  says contact my bank my bank is website is not running at the moment i got pics of everything from both sides an what they both have told me
Product: Mortgage

I am in the process of refinancing my mortgage on my primary home. The problem I have been experiencing regards the paperwork provided to the refinancing company ( AmeriSave ) for the trust I have. I provided AmeriSave with the Certification of Trustee. They responded that they wanted to see the full trust. I reminded them that per California law section 18100.5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. 

Despite this explanation they have continued to harass me to provide the full trust even telling me on XX/XX/XXXX that we would not be able to close in a trust unless I provided them with the full trust docs. Thus far I have provided AmeriSave with the Certification of Trustee, the notary page and the page in the trust before the notary page, the trust page that shows the trust is revocable ( even though it says this in the Certification of Trustee ), the trust page that shows the trust has the power to mortgage, and the first page of the trust. 

I have been very uncomfortable during this whole process and have expressed that to both the loan originator and processor. I have even called the title company myself who told me they have approved the Certification of Trustee for closing on their end but AmeriSaves underwriting continues to request the full trust document. 

I have tried to call the processor directly, but the phone number listed on his email signature and on the AmeriSave customer portal leads to a voicemail for a man named XXXX. I pointed this out to the processor via email and asked for his contact information but my request was ignored. I have also asked the processor numerous times for his managers contact information so I can share my concerns with him/her. The processor has told me that the supervisor will call me but it has been two days and Ive yet to receive any communication from a supervisor and the processor still refuses to provide any contact information. I am attaching all the email correspondence between myself, the originator ( XXXX ), and the processor ( XXXX ). I  have also highlighted all the pertinent sections of text related to his complaint. 

Thank you in advance for looking into this matter and determining why AmeriSave is not following California law section 18100.5 Mortgage Company Contact Info : AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am one the millions of Americans whose credit scores have been negatively affected by the Great Lakes Borrower Services glitch in their student loan reporting after passage of the CARES Act. 

https : XXXX I have always had good credit, and make my regular monthly payments and my credit score took a nosedive and has still not been rectified. 

I thank you for your help in this matter.
Product: Student loan

This is my third complaint submitted regarding the same issue. XXXX XXXX Nelnet responded with an invoice number which is not sufficient to track a payment. XXXX is asking for a copy of a check or what whatever was used to make the payment on my behalf. No proof of payment has been provided by Nelnet. I have been dealing with this for almost a year and still no resolution
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXX XXXX account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Product: Debt collection

Credit corp solutions keep calling me and threatening to take legal action on a debt that they have not provided verification for. I have asked in writing and over the phone multiple times for verification that they own the debt and have the right to collect the debt along with the original car holder agreement signed by me that binds me to the debt. However, they have not provided me with this and it has been months now. I sent them a letter dated XX/XX/XXXX requesting this information and still have not received it. This was sent certified mail so I know they received it. When I received mail from them they sent me a letter claiming that the cardholder agreement is in the package however it is not there just account statements. They can not provide me with documentation proving they own the debt either. Every time they call from different phone numbers making it impossible to know when it is them calling. They have also made comments about how this would affect my credit and asking if I have looked at my credit lately. Using scare tactics to try and get me to pay a debt that they can not validate. They make a claim that I owe them {$1600.00}.
Product: Debt collection

I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to me.
Product: Checking or savings account

In XX/XX/XXXX of XXXX, I was a victim of a scam where my email : XXXX, my phone, and my computer were hacked into and I was being taken advantage of by scammers who had infected my electronic devices with a virus. I was unable to signing to my email, and I received a message from XXXX saying that XXXX couldn't verify this account belongs to You. anytime that I was trying. I was being threatened to provide XXXX cards in order to resolve my email issue as well as the phone malfunction. I purchased multiple XXXX cards and had to provide those number to the scammers. once I understood the fact of being a victim. I contacted bank of America to stop payment on the XXXX cards since I purchased most of them using the BOA Debit cards. I was told that an investigation was going to be done. I recently received on XX/XX/XXXX of XXXX a claims number # XXXX by phone while I went to bank of America Financial center in XXXX XXXX XXXX, XXXX, FL XXXX but there was No follow up in this issue. 
The card was in my possession at all times and I purchased the XXXX cards with the hope that my email password were going to be restored by paying those fees, furtheremore ; I had no control of my email account. my computer, my bank account information was compromised as well. I could not access my account subsequently, in XX/XX/XXXX of XXXX the account was closed and I was issued a new Debit card. on XX/XX/XXXX. I purchased XXXX XXXX cards {$500.00} each from XXXX and {$500.00} Cash redraw from Debit card, and one transaction for {$200.00} at the XXXX. At the time when I reported that I was a victim to the Bank of America. the payment could have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was laid off in XXXX, and was able to maintain my accounts, and sanity, until being forced into bankruptcy, XXXX XXXX. 

Neither my XXXX with XXXX or the HELOC with Chase were mentioned. 

XXXX notified me they were required to cancel my auto-pay until discharge, and could mail payments until the discharge came through at which time the auto-pay would be re-instated. 

Chase notified me they would not accept any payments until discharge, even though I said I wanted to mail them in every phone conversation I had with a Chase agent. Each time, I was told " Not until you 're discharged ''. 

By the time the discharge was in my hand, Chase had transferred my account to 'modification ', which I had NOT requested, again refusing payments until 'modification ' was resolved. 

From XXXX, XXXX to present, EVERY call I had with ANY of the numerous agents I was 'assigned ' to contained - " I want this resolved so I can resume payments '', as a review of their phone logs will confirm. 

EVERY request I made to resume payments was met with refusal. 

In XXXX, XXXX, I resumed payments, which were accepted until XXXX checks were mailed back to me in XXXX, XXXX. 
Another payment was accepted in XXXX, XXXX. 
From XXXX, XXXX until present, I 've supplied every document Chase requested, multiple times. 
I have been put through the same process over a XXXX times, each time with a different agent, having to go through the same process time and again. 
NO one in any position of authority at Chase has never accepted responsibility for the position they have put me in, even though the last XXXX agents I 've had to deal with, XXXX XXXX, XXXX XXXX and XXXX XXXX, have agreed that a ) this is wrong, b ) this is not of my making, and c ) I 'm not the only XXXX this is being done to - not that I ever thought I was alone in this. 

Since XXXX, XXXX, when I got notice they would no longer accept payments, all I 've wanted to do was resume paying the indebtedness I agreed to pay. 

Chase is now demanding what they are calling 'delinquent ' in XXXX sum or they will foreclose, and XXXX agent told me that Chase had foreclosed in XXXX while I was still supplying the requested information. 

Both the Housing Counselors at the XXXX in XXXX, and an agent I spoke with about a Reverse Mortgage said that this is a tactic Chase has been using for years and they hear the same story time and time again. 

I feel Chase has purposely put me in a position I 'm not able to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on TU, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX,