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

ACCOUNT # XXXX XXXXXXXX XXXX gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXXXXXX XXXX started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXX XXXX. 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXX XXXX about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPGRADE INC I have paid this account off and it was never late or missed a payment ; I called upgrade and they sent me a letter stating that I never missed a payment and was never late, XXXX  and XXXX  are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent XXXX  and XXXX  this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.
Product: Credit reporting or other personal consumer reports

Consumer Information : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Date : XX/XX/XXXXXXXX  Bureau Information : XXXX XXXX Name : Transunion Consumer Solutions- Address : XXXX XXXX XXXX XXXX PA XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Product: Mortgage

In XXXX I entered into a difficult situation -- my XXXX  over heated and broke down so I took it to the mechanic, he kept my car for 4 months and ripped me off obviously because I'm XXXX and a woman so I was taken advantage and lied to about the time frame and condition, during that time I lost my job due to no transportation. I defaulted on my mortgage and I tried to do a loan modification and CMG Mortgage sent me the documents to fill out, I was approved for it and then they sent me a packet to notarize and I sent it back via XXXX to their attorney as they instructed on the paperwork, then they said they never received anything from the attorney, I asked for a new packet and they took 3 months to send one because they " forgot '' then I got it again I resent it and they said it was " in the wrong department '', then that " they were working on the modification '' then they said " their attorney was working on it '' then they said " Something was wrong on my documents '' so they said they resent the documents and again I did not receive anything I called again and everyone was very nice to me and answered questions but every time I felt like they were only giving me excuses and false hope, a year went by and NO DOCUMENTS FOR MODIFICATION but I would receive the statement/past due bill, I received on XX/XX/XXXX a packet from CMG Mortgage asking me for {$25000.00} to enter to qualify for a loan modification. Today I am reaching out because I received a letter in the mail today on XX/XX/XXXX dated XX/XX/XXXX they want me to vacate the home in the next 8 days and to expect the deed to be transferred back to CMG Mortgage. I never received another notice BUT PAST DUE STATEMENTS. The mishandling of my case by CMG Financial has adversely impacted my credit and put me in a precarious financial situation. I have not been considered for appropriate programs to prevent economic distress despite receiving contradictory letters from CMG Financial. Concerns : I believe that CMG Financial has engaged in fraudulent practices that may result in foreclosure or place the burden on FHA, which guaranteed the loan. The lack of accountability and resolution from CMG Financial is deeply concerning and unacceptable. I request a thorough investigation into this matter to determine the extent of CMG Financial 's mishandling of my case and any resulting damages. I DEMAND A STOP ON THE FORECLOSURE PER WHAT THEIR ATTORNEY SAYS ON THE LETTER because I was not notified at all, I had no option to fix or negotiate they just want me to leave the house vacant by XX/XX/XXXX. I seek a resolution that aligns with my rights and responsibilities as a homeowner. Thank you for your prompt attention to this complaint, and I look forward to a resolution that rectifies the situation.
Product: Student loan

Earlier in XXXX I enrolled in a program with Sallie Mae to forbear one monthly payment, and then reduce my monthly payments ( subject to re-negotiation ) for a period moving forward. I have proof of this agreement via a recorded call with a Sallie Mae representative. After the call, Sallie Mae refused to honor the agreement, and reported my account to collections, despite telling me I was in a one-month forbearance period. In addition to this mistake, they have called and emailed me 10 or more times a week reminding me to make payments, even though a payment is not due considering what was agreed to on the phone. I'd like to report Sallie Mae and their partners for predatory lending, misrepresenting loan information, and relentless reminders about loans being due, even when they are not.
Product: Debt collection

I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATON TO OBTAIN MEDICAL SERVICES FROM A COMPANY CALLED XXXX  XXXX. I HAVE PROVIDED A POLICE REPORT AND ID THEFT REPORT.
Product: Student loan

Everytime I make a payment they send me emails saying it will be processed and they thank me for it but then a few days later without any notice the payment reverses and then I fall behind because they fail to tell me. I have plenty of money in my account to cover these expenses and my bank doesnt have issues as I have already been in contact so it leads me to believe that this has been done on purpose. I have researched and have found many people having a similar issue!
Product: Checking or savings account

I noticed my my balance not reflecting what I believed should be in the account. I went over my online bank statements provided by TCF Bank. I noticed a total of 8 overdraft fees spanning over 4 days ( XX/XX/XXXX, XXXX, XXXX ) that I could not understand. I contacted my local branch on XX/XX/XXXX. I made contact again on XX/XX/XXXX and received a call back from XXXX later that day. Over the next 2 days I spoke with XXXX and he refunded 3 overdraft fees and I conceded to 1 ( XXXX XXXX, XXXX ). I inquired about the 4 additional fees ( XXXX XXXX, XXXX ) and he stated he could not do any additional refunding. I asked to speak with his superior. XXXX contacted me back and I met with her on XX/XX/XXXX. She explained to me about authorization, which I was already aware. She also stated, more than once, maybe I should keep better records. I found that to be a disrespectful dig as they ( TCF ) would NEVER go by my personal accounting and only their own statements that they provided. I asked her to show me. She turned her computer screen and showed me what she said was some accounting that proved what she was saying. I asked her to print it out for me, so that Iay review the information. She refused. XXXX stated that it was an internal system that attempted to recreate the charges on account. I explained to her that if she couldn't provide me with a copy, I was unable to go by that information. I was going by the information that was provided to me, by them, i.e the online statements. And those statements DO NOT reflect what she is saying. She put a dispute in the system ( only after being threatened with contact to your company ) on XX/XX/XXXX and told me I would be contacted. I called XXXX again on XX/XX/XXXX letting her know I had still not been contacted. She told me they have so many days to call me, still not telling me what that timeline looked like. What TCF is telling me and what they have provided me in statements do not match.
Product: Debt collection

I was struggling to make payments due to a lack of support in finances for a period in my life
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX put a collections report on my credit report before initial contact about the debt violating the Faor Credit Reporting Act
Product: Debt collection

I received an alert that a new collection was placed on my credit report for {$530.00} from a company called Contracts Callers Inc. also known as CCI out of XXXX Georgia. CCI is trying to collect a debt for the City of  XXXX per my credit report. I have never heard of this company until today. My credit report states, " the collection was reported on XX/XX/XXXX as charge off/collection. '' First off, I have NOT lived in XXXX Texas since XX/XX/XXXX. To place this on my credit as of XXXX sounds like I just ended or breached a contract with the City of XXXX and failed to pay. Second, I have NOT received ANY correspondence from this company or company 's representative regarding this alleged debt by regular mail, certified mail or by telephone. Third, I  have been married since XXXX and my last name is changed so I know for a fact that this company has NOT reached out to me regarding this alleged debt. I have lived in the same home and utilized the same mailing address since XXXX. It is real disheartened that companies can put inaccurate information on someone's credit report without giving the consumer a chance to dispute a collection properly or doing a due diligent search to notify someone. I am requesting from this company as outlined under the FDPCA 809 ( b ) validation of the debts with loan agreement/contract or promised to pay. In addition, I would like for CCI to provide the alleged correspondence that was mailed along with the address they have on file for me and what telephone number CCI called. Besides Texas has a statute of limitations on collecting debt which is four years. And I do not owe any alleged debt CCI has referenced on my credit report nor do I wish to do  business with them. I will be sending a letter out to CCI today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies immediately.
Product: Checking or savings account

I was trying to get my rolled change turned into cash. The teller informed me that one of my rolls was two coins short. She then informed me that per the banks policy they could not deposit the XXXX into my account. She is a teller at a bank she will at some point throughout the day receive another XXXX in which to make a full roll for her drawer. My legal tender was denied deposit into my personal account because of bank policy. I should be able to put any denomination of my money into my account regardless of if its rolled, short, or not.
Product: Checking or savings account

I cant access my account online and the bank wont help me
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names : o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect Employers : o XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> - I reached out to the the creditor that they information that they are reporting is inaccurate i sent them proof of what is inaccurate. they agreed that it was indeed incorrect but still will not remove it from my credit which is in violation of the FCRA. A creditor can not knowingly report inaccurate information on your report and still not delete it. 


The Fair Credit Reporting Act mandates that credit reporting agencies must investigate and correct any inaccurate information on your credit report, including instances where a debt is reported by both the original creditor and the collection agency after it has been sold There response below : The incorrect account with XXXX XXXX starts with XXXX will not been changed and will remain on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I did not consent to, or authorize nor benefit from any of the following accounts and information.
Product: Student loan

To date I have sent XXXX letters by certified mail to Navient requesting validation of the alleged debt pursuant to the FDCA and FCRA so that I may settle the matter in full. XXXX letters also requested that Navient cease and desist all communication unless by mail, and a point by point response to my validation letter as required by law. To date Navient has chosen to ignore both letters, and continues to harrass the alleged cosigner and myself with an average of XXXX automated and/or hand dailed calls. Navient seems to need some assistance in understanding TITLE XXXX & gt ; CHAPTER XXXX & gt ; SUBCHAPTER XXXX & gt ; XXXX
Product: Debt collection

The company is repeatedly calling 5-6 times a day and I have told them not to contact me. They have called my work for the second time to try to collect the debt and I have already told them to stop calling me at work and various times at my phone number.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

I noticed a hit on my credit monitoring site from Aargon Collection Agency. The original debt was from XXXX, which I visited in XX/XX/2015 for an emergency repair. I paid at the time of service. I called XXXX asking for information about the bill. They refused to provide me with an itemized bill, and told me to contact the collection agency. XXXX did attempt to confirm my contact information. The wrong address and phone number ( not even close - in another state ) was on the bill. I expressed concern that I did n't think the bill was mine. They refused to discuss it and told me to call the collection agency. I called Aargon Collection Agency, who initially told me that I would have to get the itemized bill from the vendor and there was nothing they could do for me. They also had the wrong address and phone number. I told them that XXXX had told me that I would have to get the itemized bill from Aargon. The Aargon representative became aggressive and told me that asking for verification of the debt would take time, and kept pressing me to pay the bill. I refused, and told him that I wanted to file a dispute. He told me that was impossible, the bill was mine, and I should pay it. He told me that he could make a note on the file saying that I was in the process of getting an itemized bill from the vendor, but collections would continue. I asked him to transfer me to someone who could file a formal dispute. He told me that the manager was on break. I asked for a callback, at which time the manager magically reappeared. The manager told me that I had to request an itemized bill in writing from Aargon. I told her that this was not what the original representative told me, and pointed out that if I had not insisted on filing a dispute, nothing would have been done. She told me that I could put it in my letter. My concerns are : 1 ) the only correct information they had on this bill was my name, which should give any reasonable person doubts as to the accuracy of the bill ; 2 ) I was pressed to pay the bill over the phone even after expressing these doubts and asking for verification ; and 3 ) the original representative gave me false information about how I could verify and/or dispute the bill, and tried to prevent me from speaking to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX  Account # : XXXX XXXX High Balance : {$720.00} XXXX Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Account without my written instructions.
Product: Credit card

I am writing to request that you reopen my previously disputed charge dated XX/XX/year> for the amount of {$180.00}. I understand that my initial dispute was not successful, however, I believe there are crucial aspects of the situation that warrant further investigation. 

The reason for my dispute is not simply dissatisfaction with the product or a refusal to accept a return. My claim centers on allegations of fraud and misrepresentation on the part of the merchant, XXXX  XXXX. Specifically, the item I received was of a substantially lower quality than what was advertised and represented during the purchasing process. 

I have made multiple attempts to resolve this matter directly with the merchant, but they have been unwilling to provide a satisfactory solution. Due to their unwillingness to cooperate, I believe a thorough investigation into my claims of fraud and misrepresentation is warranted. 

Thank you for your time and consideration. I look forward to your response. 

Dispute Case Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the inaccurate representation of accounts in my consumer report. It has come to my attention that I never provided written consent for the inclusion of these accounts in my report, which, in my belief, constitutes a breach of my rights as outlined in 15 USC 1681b. This breach specifically relates to safeguarding consumer information and the essential requirement of obtaining consent prior to reporting it. 

I've already initiated a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, which is XXXX. Furthermore, I've made multiple attempts to request the removal of these entries from my report, only to receive unsolicited documents from the creditor. My grievance is aimed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly block the reporting of any information in a consumer 's file identified as originating from suspected identity theft. In light of this legal obligation, I respectfully request your prompt action in removing the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Requesting Removal of Unauthorized Inquiry XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX  Your prompt attention to this matter is greatly appreciated, and I trust that you will act in accordance with the law to rectify this situation promptly.
Product: Checking or savings account

On XX/XX/2023, I attempted to transfer my paycheck from my B9 underwritten by XXXX Bank XXXX XXXX account to my XXXX  XXXX  account. The initial attempt was {$570.00}, and XXXX XXXX declined the request. I attempted other amounts & they were declined as well. The money was taken my account & is in pending status. I contacted B9 & I was told it was a known issue & they were working through the issue with XXXX XXXX. At this point I had another failed transaction, but the funds were removed from my account for {$43.00}. On XX/XX/XXXX, I was told by B9 that the issue with XXXX XXXX with resolved but they could not release my funds bc it showed processing & I was denied a supervisor. I have bills & I need my money to be released & this company is holding my money & I think it is for investing purposes while I struggle financially. I am experiencing emotional distress.
Product: Credit card or prepaid card

XXXX merchant made frauduless sales and sent stuff here that was cancelled. I returned. XXXX closed account because of all I had to send back to XXXX. No refund. Put in all disputes in writing and called 4 times each to upgrade. No help at all. No one got back. The total of all XXXX outstanding refunds they did not dispute because they said " they didn't get info from me, '' which is a lie is XXXX and I have confirmation they rec 'd. A lot. 

They did the same thing with XXXX purchases totalling XXXX. I have same evidence. 

They also promised a XXXX bonus and XXXX bonus when I opened on the checking and debit. They said to spend so much in a certain amount of time and I did and called them serveral times and they are really XXXX and rude. This is a breach of contract and failure of fidicuary duty on several cause of actions. 

I tried to esacale to arbitration but their " legal team '' if they have one, won't respond. I dont even think this a bank. Just a huge false advertiser that charges interest when there is never a balance. I have all stmts. 

They claim to fix charges in error and this comes from their XXXX insurance and they did nothing. They also discriminated against me for being XXXX  with inablity to type, and having XXXX 

This started in XXXX XXXX XXXX  and is ongoing to date.