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

I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to Enhanced Recovery XXXX XXXX. I've talked to both XXXX and Enhanced Recovery in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. Enhanced Recovery offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as XXXX has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in Equifax, 40 points in XXXX and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. Equifax, XXXX  and XXXX all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.
Product: Debt collection

DEBT VALIDATION LETTER Date : XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/year> regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX XXXX Page 1 of 1
Product: Debt collection

On todays day of XX/XX/XXXX, at approximately XXXX CST XXXX a man named XXXX XXXX called my niece in Pennsylvania and advised her that he was calling about my XXXX XXXX XXXX and I had until noon EST today or I would have my rights forfeited. First of all, I have no idea how this man located any information about my family. He discussed my personal information with my niece under false pretenses. My car account is in good standing with my car loan company. The name of his company is XXXX, XXXX XXXX. The number he gave was XXXX Ext XXXX. I called him at approximately XXXX CST and he wanted my birthday and I refused. I told him he had no right to call my niece about my car. He said he was recording the phone call and I advised him that I was recording as well. He hung up on me. At approximately XXXX CST, I called back. He answered the call and I asked for a manager. He put XXXX XXXX on the phone. She repeatedly argued, lied and refused to give clear information about this supposedly payday loan in my name from Ace Cash Express. She said I could pay her company or it would stay on my credit report. I asked her what credit report and she couldnt say. We argued about calling my niece, violating my rights and for threatening unlawful actions. I told her to cease and desist immediately. She said I would have to write a letter. She also said that I would have to find out about this balance of {$1500.00} that I owe. I asked her how did she get my name, etc. and she said from a third party. I asked her if her company was a debt collection company and she said no. She said my employer was XXXX XXXX. Thats a lie. I havent worked from XXXX due to a XXXX. I asked her for the physical address of her company and she gave me an address in XXXX XXXX, FL. I told her that her company violated the Fair Debt Collection Practices Act and I was going to report them. I told her that I was recording the call. She hung up on me. Her company has violated my rights under the FDCPA and FCRA. I want them out of business for unlawful practices. They lie and harass the consumers. If there are any consequences for their actions, please pursue it to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by Homebridge Fin. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted Homebridge and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Product: Credit reporting or other personal consumer reports

This morning, to my shock, I discovered inaccurate accounts on my credit report with no clue how they got there. I check my credit report often, and this time, there were sudden discrepancies. I tried refreshing my browser, hoping it was a glitch, but nothing changed. Im now asking for a detailed review of the documents Ive provided, so I never have to worry about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, this has been an ongoing struggle to get the credit reporting agencies to correctly report my credit information correctly. Apparently, there is another person by the same or very similar name and very similar social security number as mine. Over the past 9 or 10 years, I have sent numerous requests to the credit reporting bureaus to get my information accurately reported ; however, every time I check my credit report ( s ), I am given inaccurate information. I finally quit checking for the benefit of my mental health, since it was causing me much stress and XXXX. About a month ago, I checked into my report and once again, the negligence and incompetence of our credit reporting agencies was evident. This time it was after a dispute with XXXX. Upon the return of my investigation, I discovered the following inaccuracies : 1 ) I had 2 incorrect previous addresses reported ( both of which have been disputed in the past 10 years ). 2 ) My correct social security was listed at the top of my report ; but for some ignorant reason, they listed another INCORRECT LAST 4 DIGITS OF SOMEONE ELSES SOCIAL SECURITY NUMBER UNDER " OTHER ID ''. ( I have disputed the use of a similar social security number in connection with my report in the past 10 years with all 3 credit reporting agencies ... even warning them in the notes about NOT reporting or confusing me with another individual with a similar social security number. I AM A BORN CITIZEN OF THE USA AND I HAVE ONLY BEEN ISSUED ONE SOCIAL SECURITY NUMBER IN MY LIFETIME!!! WHY CA N'T THE CREDIT REPORTING AGENCIES ACCURATELY MATCH EVERY NUMBER TO THE CORRECT FILE!!! 3 ) I=2 entries of inaccurate employment reported. Both current and previous employment are inaccurate. I have disputed this in the past as well, and finally, XXXX and Experian have entered the information for my employment accurately. Question ... why do n't they consult with each other or at least with previous corrections! 4 ) Innacurate credit account information. I disputed this account but likely it was linked back to my account back to the second social security number that was added to my file under " Other ID ''. XXXX and the other credit bureaus can not continue to put amother person 's credit files and information on my record just because they are looking for a scapegoat to pay for that other person 's bad debts. I have NOT moved in the past 26 years. It should n't be that difficult to report accurate information. I am a very humdrum citizen. I do not have any delinquent accounts and never have ... until they started mixing up my credit files with another person. If I had the money to spare, and I were n't an average minority, I would seek legal council to sue for compensation. I have spent far too many man hours and extinguished way too much undue stress to correct this issue of incompetence. As I said, this has been going on for the past almost 10 years. I have called and written letters to correct the inaccuracies ... but to no avail for it appeared again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 ( a ) : States that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions of crimes, that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits a person from furnishing 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

In XXXX of 2020, I entered a mortgage forbearance plan with U.S. Bank. I did this because I own a small business in the food industry and Covid-19 had caused many restaurants to close due to the restrictions. I was unsure what the future would be with my business and did this as a precaution. I contacted the bank and was told not to worry as it would not affect my credit ... this is incorrect, it is on my credit showing a past due amount. My current credit report shows it has now dropped 10 points! For months I received notices from U.S. bank stating I was behind on the mortgage and that they had attempted to contact me multiple times to discuss. The truth is, I have been in constant communication with U.S. bank, and was told to " ignore '' the letters, as they were automatically being sent. They stated that it would not affect my credit, not to worry and passed me off to other people in their phone maze. I decided to start paying my mortgage prior to the end of the 6 months they were allowing, because I was able to pay, and I was concerned about a paper trail from U.S. bank threatening foreclosure. I started paying in XXXX of 2020 and have made payments every month. My bank statements reflect the payments made, but US bank Home Mortgage does not. They refuse to apply payments. I spoke to the relationship manager who said that I needed to take it up with the credit bureaus. I feel they have been setting me up this whole time. This was supposed to protect bank customers, but it has caused me a tremendous amount of stress and anxiety.
Product: Credit reporting or other personal consumer reports

The accou

nt was paid in full and closed, but it is inaccurately reported as 30 days late. Mention that this violation of FCRA 623 ( a ) ( 1 ) ( A
) and XXXX XXXX Field 17A is misleading and harmful to your credit score. 
State that the inaccurate reporting violates your rights under the FCRA and XXXX XXXX  compliance standards, and you have already disputed it with the credit bureaus but seek further resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXIn accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.
Product: Credit card or prepaid card

Since XX/XX/XXXX, I have had four fraudulent attempts to open a Chase/XXXX XXXX Credit Card in my name. They use all the correct information except for my correct current mailing address. They keep using my parents home address. But as of XX/XX/XXXX, the fraudulent have been able to open a credit card in my name and went through this time ( not denied ). I called on Saturday, XX/XX/XXXX as soon as I found out when I received an email regarding a change in my credit report. I notified XXXX and they closed the account. They have known about these issues but yet it keeps happening every month. I have filed police reports as well as FTC Identity Theft Report with them and this still seems to keep occurring. I also have XXXX on my accounts, and fraud protection through the credit bureaus but nothing is stopping this. I am beyond frustrated and since I already have this card, I do not understand how this was able to go through and this person be able to open this card on me.
Product: Debt collection

Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured.
Product: Mortgage

I modified my house XXXX 2016 with Select Portfolio Servicing. through HANDS in Florida It was approved with a three months trial of which I had to call to get the this information, I told them that I will not pay any money until I get it in writing. I did it in writing for the trial period. 

The permanent document to sign, I did not get until XXXX 2016 dated in XXXX 2016. I have been paying my new approved mortgage every month since then, but they keep sending me threatening letters that if I do not pay the {$4100.00} which is the amount I was delinquent before the modification. Then, they sent a letter that coming next XXXX my mortgage is going to increase to $ XXXX. I can not afford this amount. They say there are debt collecting agency, and when I asked them prior asking HANDS of Florida, they said they were not in a position to assist me as they are debt collection agency. Yet when HANDS contacted them for the modification they were able to do it. I do not know what kind of mortgage company is this, gving conflicting information and so I would like your company to investigate them. Currently, HANDS are trying to work with them but to no avail. 

I would like if you could help me deal with this company which forever harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft
Product: Credit card or prepaid card

OnXX/XX/XXXXwhile on a flight with XXXX XXXX a Credit Card from Citi was offered to me by a flight attendant. This offer advertised that once I spent {$3000.00}, I will receive XXXX miles-bonus, XXXX miles for every dollar spent on XXXX XXXX flights and some other benefits. 

After applying to the XXXX I got the card and called Citi to activate the card and to create a web account. I was told during this phone call by a Citi representative that I was going to receive the XXXX miles bonus in about 8 weeks after spending the {$3000.00} and that every time I booked a flight with XXXX XXXX using this card, I would receive XXXX miles per dollar spent. She also said that she was going to cancel a Citi card she found under my name that was issued sometime before by Citi but that I never got and I never used. 

After coming back from another flight at the beginning ofXX/XX/XXXX, I signed up into Citi web to find out how many miles I had and I realized that Citi did not apply the XXXX miles per dollar I spend on the flight I booked with this card and through XXXX XXXX. 

After talking to a supervisor she told me that I was not enrolled in the XXXX miles bonus program because of that previous card the first representative found that I never got and I never used. I explain to her that I was told in XXXX by the City representative that I was eligible and that all I had to do was to spend the {$3000.00}. This supervisor approved a XXXX-mile bonus to me right away for the inconvenience and told me that she was going to write a note requesting Citi to apply the XXXX miles that they promised to me from the very beginning. 

Today XX/XX/XXXXafter spending {$3600.00} and after making all my payments on time, I got I a letter from Citi saying that the special offer of the XXXX miles is not available to me. 

I am filling this complaint against City and I request an investigation to Citi because they not only are using unfair and deceptive credit card practices but they are also lying to me by advertising and promising what they are actually not doing. I feel treated unfairly because I did what I was told to do ( spend more than {$3000.00} and of course I have been paying on time ) and I feel that this company has used false statements because now they want to deny what I am entitled to. 

I really appreciate any help you can offer to me and to any other customer who has gone or is going through the same or a similar situation.
Product: Credit reporting

I have a problem with TransUnion. XXXX ( XXXX ) is merging with XXXX ( XXXX ). The merger is in progress and should be completed in XXXX. I have several accounts with the XXXX which are being transferred to the XXXX. TransUnion is reporting XXXX of these accounts in each bank 's name which incorrectly reports my outstanding debt and debt ratios TransUnion is reporting that I am using 40 % of my credit lines when the true number is about 20 % ). As a result, my credit score with TransUnion dropped XXXX points. I filed an email complaint with TransUnion and in response It apparently took each account reported by the XXXX and changed them to the XXXX. At the same time, it changed the accounts reported by the XXXX and changed them to the XXXX. The total number of open accounts did not change nor did the credit usage. I filed a new written complaint but there has been no correction. ( XXXX apparently did not make the same mistake. )