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

Equifax is allowing XXXX XXXX to report false information on my report. - Questionable account number. Creditor has not provided to their company any proof or documentation of debt being valid/created by our client. Creditor is adding interests on a closed and charged off account per their records for more than 24 consecutive months at minimum. Account history is inaccurate and skipped month or reporting in XXXX of 2016 going from late 30 days to charge off status. This is unverifiable. This account is not Metro 2 compliant.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. These accounts were opened or reported without my authorization.

Fraudulent Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report and I would like it to be corrected so my credit can reflect correctly. 
Hard inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX Hard inquires-XXXX  ( Finance ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bank ) -XXXX  ( Bank ) -XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently made a complaint about XXXX reporting inaccurate information on my report. XXXX removed everything from my report as ask. XXXX AND EQUIFAX have been illegally reporting information on my credit report and I need them all to be removed. I have made an address change and everything and collections and inquiries are still not removed but have been removed completely from XXXX. They need to be removed from equifax and XXXX as well asap. Below is proof that it was removed from XXXX  but not the other two
Product: Debt collection

On XX/XX/XXXX I received a letter from my employer stating my wages were being garnished from XXXX XXXX XXXX, I've had no prior notice of this action or account i called and spoke with XXXX XXXX who told me this was a debt from a XXXX XXXX cell phone account in XX/XX/XXXX. i asked him what i could do i don't remember owing a cell phone company XXXX XXXX any money. The total amount due that is being garnished out my wage is XXXX. I never was properly served or gave a chance to contest this account, I did not have any knowledge of court hearings or dates to be present so I can represent my self.
Product: Credit card or prepaid card

I incurred a series of fraudulent charges in XX/XX/2018. Immediately contacted the merchant as well as the credit card bank, Citibank, on the same day that it happened. Citibank immediately made a series of credits ( disputes ) on behalf of me. However, XXXX, the merchant, also issued credits at the same time. As a result of XXXX XXXX credits, Citibank re-charged the credits. The problem occurs when Citibank 's math is not correct. As a result, I contact Citi 's Security Analysis team and demanded and audit. The audit came back saying that everything they did was correct. In addition they sent me a worksheet stating listing all the fraudulent charges, credits by Citi, credits by XXXX XXXX and reversal ( charge ) of credits by Citi. However, the numbers that Citi do not match what I have on my statement. Specifically, there were 2 credits ( {$76.00} and {$78.00} ) that Citi claims was on my statement were actually non-existent on my statement. I have looked through the statement countless numbers of times and can not find these credits. In addition, there were 1 credit reversal of {$76.00} that Citi claims they charged, but instead in reality, my statement shows {$98.00}. So bottomline is I am asking for a difference of {$170.00} credited back on my account. I have contacted Citi numerous times. Some ended up with the agent not doing anything when they said they will. Some would ask me to wait and they will sort it out. Afterall, I can not reach the person that did my investigation, and talk to me where I can find the specifics that Citi has done. None of the other on the Security team is able to assist me since none of them have access. All they told me to do is wait. I can not believe an international bank like Citibank does things like these and get simple math wrong like these. In fact, they have fake and made up numbers they claim are on my statement which in fact is non-existent. I'm out of options now other than to file a complaint hoping something can be done.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX for discrepancies in the way they have reported my account information to credit bureaus. I have encountered issues with two accounts, and despite my best efforts to rectify the situation with XXXX XXXX XXXX directly, the matter remains unresolved. 

Account Details : Account 1 : XXXX XXXX XXXX Charged Off Account Account Balance : {$810.00} Credit Limit : {$500.00} Additional Fees : {$310.00} ( Junk Fees ) Discrepancy : I contest the validity of the imposed junk fees, and I believe they have been unfairly assessed. 
Account 2 : XXXX  XXXX XXXX Paid in Full, Closed Account Account Balance : {$0.00} Credit Limit : {$6500.00} Payment History : 30-Day Late Payment reported in XX/XX/2021 Discrepancy : I have never missed a payment, and I have substantial evidence to verify that I paid the account in full. 
Consumer Banking Laws and Codes ( New Jersey ) : In accordance with New Jersey consumer banking laws and codes, including the recent legislation signed by Governor XXXX XXXX : New Jersey Statutes Annotated, Title 17 - Corporations and Institutions for Finance and Insurance New Jersey Administrative Code, Title 3 - Banking and Insurance Governor XXXX Signs Legislation to Safeguard New Jersey Consumers Against Unfair Credit Card Surcharges ( A4284/S3508 ), which prohibits sellers from imposing certain surcharges for credit card transactions Issue : Despite my attempts to resolve this matter directly with XXXX XXXX  XXXX , they have not corrected the inaccurate reporting. As per the Fair Credit Reporting Act ( FCRA ) and the New Jersey consumer banking laws, I have the right to accurate and up-to-date information on my credit report. XXXX  XXXX XXXX 's failure to update my payment history is a direct violation of my rights under these regulations. 

CC : New Jersey Attorney General 's Office
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2021 with Mortgage Connect, LP who is utilizing XXXX XXXX Loans to service their " loan ''. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately.

Furthermore, Mortgage Connect, LP, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Attached below, my rescission notice dated XX/XX/2021.
Product: Consumer Loan

Discover personal loans mixed up my name and address and continues to send me a monthly statement for a loan that is not mine. I have called each month for three months to resolve the issue but the statements keep coming. I am about to close my credit cards with discover as well as my bank account with them if this is not resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The thre

e main credit bureaus do not have accurate information on my credit reports.

They are impossible to reach either though their individual sites as well as the contact numbers they provide.

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus.

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now.

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance.

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month.

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative.

Thus my scores are now so low I am not able to gain a favorable mortgage rate.

I've been frustrated with these " for profit '' credit bureaus as long as I can remember.

Any assistance would be greatly appreciated.
Product: Mortgage

BofA is acting with gross negligence and incompetence regarding a financial matter. At issue is a short sale request that was submitted back on XX/XX/XXXX. As you will see from the information attached we have tried contacting BofA multiple times to get this short sale going but they are 100 % non-responsive. BofA has a horrible phone service that keeps routing you back to the same automated system. We keep asking for the short sale department and we keep getting assured that is going to be happening only to be routed right back to the same automated system. This is now a running joke. BofA should not be handling loans if they can not service them properly. BofA is in violation of RESPA guidelines which require them to respond to a request within 5 business days. They are way past that.
Product: Debt collection

I applied to the XXXX XXXX apartment complex in XXXX, Florida in XXXX of 2022. The application fee was {$75.00}, followed by a {$300.00} administrative fee for move in. However, I did not qualify to move in, yet they have still been attempting to charge me the entire {$370.00}, as if I had even been approved to move in, in the first place. 

Secondly, if the fee for the application is {$75.00}, what else could they possibly need a {$300.00} administration fee for when I did not get approved to move in. It literally does not make any sense. It is just a scam to try to charge people this amount for simply applying and then falsely reporting it is a debt or collection to be paid. 

I have already filed a complaint with the local XXXX XXXX XXXX, and filed disputes with XXXX and XXXX, as well as directly to the collection agency itself. False credit reporting is illegal, if any party involved needed to be reminded. Therefore, I am asking that this false debt stop being added back on to my credit report, especially when it was already once removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, EQUIFAX and XXXX has not made any effort update any of what I requested with supporting documents.
Product: Debt collection

In checking my credit report, there is a collections report from an collection agency representing XXXX. It says I owe money to them for services rendered XXXX XXXX, 2016 for the amount of {$470.00}. While I did receive services from XXXX, I also had insurance that was never sent a claim from XXXX, and a XXXX my secondary insurance that never received a claim from XXXX. Now this collections agency is showing up on my credit report. I do n't appreciate it being there. What can I do?
Product: Mortgage

My mortgage foreclosure sale date has been set for XXXX. I have a purchase agreement set up with a buyer which is attached as an exhibit. The buyer is a approved for financing and the deal is ready to go. The title company needs another week to set up the closing. PHH has refused to stop the XXXX foreclosure sale date to allow the extra time needed. CFPB rule 1024.41 ( c ) ( 2 ) ( iii ) clearly states that short term loss mitigation options need to be enforced in order to halt foreclosure action. PHH is complying with that specific rule.
Product: Debt collection

THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. LV N FUNDING XXXX XXXX XXXX XXXX  YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVN FUNDING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Affirm is reporting an allege debt to XXXX I do not owe. The debt has been canceled and now concerned income which can not be reported to the credit bureaus.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same
extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account below is reporting collection, this is inaccurate and I would like this removed from my credit file according to FCRA Section 623 ( a ) ( 3 ), duty to provide proper notice of dispute.This account status should not be derogatory please change to paid as agreed or remove account. Thank you. 

I have already provide drivers license, correct address and XXXX to Transunion so they have no reason to deny this dispute. 

XXXX TransUnion Account # : XXXX Account Type : Open Account Account Type - Detail : Utility company Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2300.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$2300.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Dispute resolved; customer disagrees Date Last Active : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I called Bank of America to payoff and close my account- this credit card. The phone call was recorded and the close was successful. Or so I thought. 2 months later I get a letter / notice with 2 late fee charges & a balance that accrued out of the blue. After calling Bank of America they tell me that I never paid off the account and this is interest or insurance that had accrued. I paid it off so it wont affect my credit score but I am NOT responsible for this charge. I paid off my account, I had to give a verbal that my account was indeed closed, and got confirmation from the bank that it was closed. I am not responsible for these other charges they are claiming, I closed out my account so I could get ready to move. They are lucky I saw this letter. I should not have to pay Bank of America for their incompetency. I want my late fees returned to me as well as a breakdown of these interest charges on a {$0.00} balance.
Product: Credit card

I purchased a bedroom set at Macy 's. They waived an exorbitant delivery charge if I opened a credit card account. I gave the delivery address. It simply did not occur to me that I needed to give my PO Box and the Macy 's agent did not ask about a mailing address ; i.e., they assumed the delivery address was the mailing address. This is simply a mutual mistake. Months later, I received a phone call demanding a payment over the phone. I refused to make a payment over the phone without seeing a copy of the bill. 
Macy 's closed my account at that point which has put a ding on my credit report.They refused to discuss the late fee until I made a payment. Macy 's did not proceed in good faith. The Macy 's collection agent made a decision about me based on my refusal to make a payment which was wrong. 
The damage to my credit report can not be fixed because a mortgage loan is in process. My concern is for the other customers that are being hurt by the Macy 's scheme to force credit cards on the unsuspecting at high interest rates in exchange for the delivery charge. 
Thank you XXXX XXXX XXXX PS. the account is paid in full and closed. I called customer service at Macy 's and the return call took weeks.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Credit Collection Services has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return receipt bearing my signature and verify this alleged debt by answering the attached dispute letter to its entirety. If they can not provide the certified green card with my signature showing that they sent me the notice before they started reporting at least 5 business days prior and the verifying/validating information that I requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Student loan

I applied for the PSLF. I submitted records of all 120 payments over the last 10 years. I submitted the application forms for PSLF. And I submitted the employer certification forms covering the last 15 years of full time work as an XXXX  in a qualified hospital. I was denied with no explanation or accounting of which payments were denied or why? I have been consistent in my payments and followed the rules. Please help me with this. My start date of public service was XXXX until present. And my payments began inXX/XX/XXXX 
Please help me.
Product: Debt collection

claiming to be a company called " XXXX '' and that i am being sued to a debt owed to citi financial. i've never had an account with them. the number they called from was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX : {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission identity Theft Affidavit. Please delete the items a soon as possible.