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

Using an external service ( XXXX XXXX ) I found out that my score was no longer updating since XX/XX/XXXX. I reached out to their customer service team ( Approximately XX/XX/XXXX ) and was told that it was due to an issue with Equifax. I contacted Equifax via phone and was told to create an account as to confirm the information was correct in addition to assisting with the original issue. I was unable to create an account due to an error code XXXX  ; to assist with all issues I was told that I had to submit information to the company which could be done via fax or sent by physical mail. I originally sent a fax on XX/XX/XXXX with the requested personal info ( cover letter, pay stub, government ID ). From XX/XX/XXXX to XX/XX/XXXX, I spoke to the customer service team and was told that they did not receive any information and to resend the info. On XX/XX/XXXX I decided to send the information via physical mail that could be tracked. From XX/XX/XXXX ( Date documents received ) to XX/XX/XXXX, I continuously contacted customer service in regards to the documents ( the faxed in addition to the mail documents ) so I may move forward in the process and solve my issues. I called customer service via my personal cell ( XXXX ), these calls took approximately 35 including hold time and other factors ; the total amount of call was approximately 30 times. Since the final calls that I have had ( approximately XX/XX/XXXX ) in which I spoke to a manager about my issues ; I was told that none of my documents have been received and to send my confidential documents again. The sending of the documents and speaking to the customer service members was done on my own time as well as money, there has been no contact or resolution as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian keep reporting 2 inaccurate address and they wont remove the address in question. and not only is it hurting me but its being sent to the credit card companies
Product: Debt collection

I am of victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX  i have not appiled for any credit, nor have i caused any inquires since 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, Equifax, and XXXX continue to report this as a paid collection instead of deleting.
Product: Debt collection

I have been trying to get Asset Acceptance Corporation to remove a collection item on my account. I did not open any accounts during XX/XX/XXXX-XX/XX/XXXX and they have a collection item on my account stating that the account was open XX/XX/XXXX but my XXXX delinquency was XX/XX/XXXX ... that is clearly impossible. I have sent them numerous letters to them and have even requested validation and removal from my credit report, I ca n't seem to get any answers but yet they have not removed it. 
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXXer XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accodace with the fair credit reporting act XXXX account # XXXX, has violated my right. 

15.u.s.c 1681 section 602 A. State I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

TD Bank provides varying information between the contact center and branch regarding closing an account. 
1. Contact center states account closed within 3 business days, after request is sent to the back office for processing but the branch can close account sooner.

2. Branch states account can not be closed sooner due to varies/conflicting information ( i.e. pending account activity ) Branch Manager XXXX XXXX ( TD Bank, XXXX XXXX XXXX, XXXX, MA ) was abrupt and defensive when questioned about inconsistencies in procedures for closing the account. See attached letter for details.
Product: Debt collection

I purchase the three items from XXXX XXXX in XX/XX/2017. When the items came to my house and was not please with the items. So I packed them up and paid for the shipping for the 3rd item Total {$16.00}. Next they send me a bill for {$39.00} I called the company and ask them what the charge was for, knowing that she received the items. She said the charge was for restocking fees. 
I said to the lady that's crazy I won't pay for an item that I don't have. 

A year later I get the attached letter from the Collection Agency saying I owe them {$82.00} This is on my credit report and should be removed. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

A recent experience XXXX XXXX XXXX XXXX in XXXX, LA has raised some concerns. on XX/XX/year>, a XXXX  XXXX XXXX was resent based on information provided by a company sales representative. representative assured that the vehicle was fully capable of working on the XXXX  platform and that, being an electric vehicle, it would take only 45 minutes to charger at a low cost. However, after only five days of use, several significant discrepancies have been discovered. The vehicle ** does not meet the requirements necessary to work with XXXX** It takes approximately 6-7 to fully recharge, on the most economical charging option, and if the battery is completely depleted, charging can take 10 hours or more. Charging the battery at a fast-charging station can cost up to $ XXXX for a partial charge, which is unsustainable for work needs. When this issue was brought to the attention of the dealer, it was communicated that returning or exchanging the vehicle was not an option due to internal policies that were implemented a year ago. these policies were not disclosed during the transaction. additionally. it was advised that returning the vehicle could negatively impact the credit rating, which was perceived as pressure and manipulation. this situation has caused significant hardship and XXXX XXXX  Toyota is expected to address and resolve the issue fairly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
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 the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX, 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 suppose 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is similar to the name on the account but is not me. The name on the account is my father who has a very similar name and lived and had the same mailing address. I have tried to explain this to the original creditor XXXX XXXX. They just give me the run around and do not want to investigate the fraud and issues. So instead of working with me to get it resolved, they just charge it off on their taxes and sold the debt to a debt collector and I have to start all over again with them. It has been nothing but a headache, XXXX who owns the debt now has forwarded it to a law firm. I tried to talk and explain the problem with them, and they do not want to hear it, and just threaten court action if I do not pay. I finally got some forms and paperwork from Resurgent Capital Services to fill out and maybe now it will be looked into on XX/XX/2023. Hoping a resolution can be reached after an investigation is completed. I will keep you posted. Thank You
Product: Mortgage

After our XXXX normal mortgage payment, we received our XXXX Statement. It was {$250.00} more a month. We called and asked why. They stated our an escrow shortage and stated we would have to pay {$250.00} more a month to cover it. We asked why were we not notified of this change and asked for proof explaining the shortage. Nothing. We call once a week asking for this proof to be mailed or emailed. Nothing. We have since come to find out we are not the only Carrington Mortgage customers that this is happening to.
Product: Credit card or prepaid card

Serve card offered by American Express offers services such as money transfers or paying a bill but do not follow through. As a result, my car is in danger of repossession
Product: Checking or savings account

JP Morgan Chase closed my checking account and is holding {$15000.00} in a suspense account. I have reached out to their loss prevention team and they told me that those funds can be held up to 3 years. Not sure what will happen after that. Please help in resolving this and getting funds returned back to the account holder.
Product: Mortgage

My complaint is against " Seterus '', a debt collection and mortgage servicing company. 
My complaint would qualify as an overpayment of funds that are not being returned or acknowledged. 
Description - In XXXX of this year I set up a repayment plan to catch up with my mortgage. The agreed upon plan consisted of five monthly payments. The first payment of {$2900.00} and the remaining four payments of {$2200.00} each. After which regular payments would be made. 
The plan was set up and completed just as agreed upon. Each payment was drafted from my checking account and paid in full. This we agree upon, but XXXX additional ; payment of {$1400.00} was made on XXXX XXXX that they have no reasonable explanation for. I 've called 4 times, spoke to supervisors and various other analysts and they give me the go around that no reasonable person could understand. They do admit that mistakes were made on their part, but still refuse to return the money to me. ( I have statements and records to verify my facts. ) Please help! 
XXXX XXXX
Product: Debt collection

In accordance with the fair debt collection practices act I requested from XXXX XXXX who is reporting on all 3 credit reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called Client Services a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to XXXXXXXX XXXX that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from XXXX XXXX  concerning my request. I received a second letter from Client Services with a new offer to pay them {$480.00} to settle my debt with XXXXXXXX XXXX. Again I have no knowledge of this company ( Client Service ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. Client Services are not reporting on any of the three credit agencies. Also, XXXXXXXX XXXX never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties of Reporting agency. Since XXXX is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from XXXX.
Product: Credit reporting or other personal consumer reports

Ive been in a hardship situation since an uninsured driver XXXX XXXX XXXX XXXX I was the holder of a XXXX XXXX and missed a number of payments. My balance was over {$1400.00}. XXXX sent me a letter indicating they were agreeable to a settlement on the account. I contacted the creditor and they offered a settlement of {$500.00} split into 3 monthly payments. I paid {$160.00} on XX/XX/XXXX, they withdrew automatically {$160.00} on XX/XX/XXXX and took {$160.00} on XX/XX/XXXX for a total of {$500.00}. I met the terms of the settlement and they sent letters confirming my payments. However, they then claimed I still owed almost {$940.00}. My credit reports which I have disputed despite my documentation show no payments for XXXX & XX/XX/XXXX and the credit bureaus say the creditor has confirmed this. There is NO mention of a settlement, my reports say the Creditor did a write off of over {$930.00} and a Manager at Citibank even told me on the phone to dispute it because he said the payments had been made. That manager, XXXX, even gave me the address in XXXX Ohio where I should mail my dispute. Ive followed up with them as Ive been disputing with the Credit bureaus and they never replied. This is a violation ( incorrect reporting on my credit reports ) of the FCRA and I have nowhere else to turn. I hope theres a place for me to attach support documentation. I need your help. Thank you. XXXX XXXX
Product: Mortgage

My mom passed away on XX/XX/XXXX and her home loan is through XX/XX/XXXX I have contacted them several times to get added as authorize user I have provided all the requested documents and every time I call it seems to be missing documents when I have provided everything and more to get this expedited so I can be added but I keep getting the run around.
Product: Checking or savings account

It's a shipping service called " XXXX XXXX '' used by a cattery. Based on contract they charge me {$950.00} in total for cat & shipping on XX/XX/XXXX. On XX/XX/XXXX they ask $ XXXX+ {$1000.00} for vaccine, rental of crate and insurance, which is not on contract and claim to be refundable. On XX/XX/XXXX they claim my cat is dead and promise {$8000.00} full refund, but another {$1200.00} processing fee. Afterwards they cut off my call or email, vanished with money. I called Bank of America for help immediately, try to revoke these four transactions, providing receipt, refund document, payment detail, email evidence. On XX/XX/XXXX they deny my claim, saying the receipt of service/merchandise must be solved by myself with merchant but like I said I can't connect merchant. They are in another state and don't reply my email or call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts from XXXX inquirydate XXXX, JPMCB CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
Product: Prepaid card

ON XX/XX/XXXX16 I WAS ATTEMPTING TO MAKE A PHONE PAYMENT WITH MY PRE PAID CARD TO MY CELLULAR PHONE COMPANY BOOST. I WAS UTITLIZING THIS METHOD TO ESTABLISH A PAYMENT HISTORY VIA MY PRE PAID DEBIT CARD. AS I BEGAN TO FOLLOW THE PROMPTS FROM MY CARD HOLDER, I INADVERTENTANLY PUT IN THE WRONG ZIP CODE, AND I WAS DENIED ANY FURTHER ACCESS TO THE ACCOUNT DO TO THE FACT I HAD FAILED THAT PART OF VERIFICATION. AS I WAS INSTRUCTED TO START AGAIN, I GAVE ALL ACCURATE INFORMATION, AND MY PAYMENT WAS PROCESSED. IT WAS A SHORT TIME LATER THAT I SOON DISCOVERED THAT I HAD BEEN CHARGED TWICE FOR MY CELLULAR PHONE BILL. AS I CONTACTED BOTH PARTIES, MY CELLULAR PHONE COMPANY HAD ONLY RECIEVED XXXX PAYMENT, HOWEVER MY CARD HOLDER HAD INDEED PROCESSED THE FIRST PAYMENT, BUT PLACED A HOLD ON IT DUE TO VEIFICATION, AS WELL AS CHARGED A SECOND PAYMENT IN THE FULL AMOUNT, WHILE THE PAYMENT WAS APPROVED. AS I HAD MANY DISCUSSIONS WITH BOTH MY CARD HOLDER AND MY CELLULAR PHONE COMPANY, IT WAS QUITE EVIDENT THAT MY CARD HOLDER WRONGFULLY BILLED MY CARD AT THE ONSET OF MYINITIAL TRANSACTION WITH THE FULL KNOWLEDGE THAT I DID NOT PROVIDE ACCURATE VERIFICATION INFORMATION, AND FOLLOWED SUIT BY BILLING ME AGAIN WITH THE ACCURATE INFORMATION, HOWEVER MAKING NO ATTEMPT TO RECTIFY THIER PREVIOUS MISTAKE, AS WELL AS LAY BLAME ON MYSELF AND MY CELLULAR PHONE COMPANY BY STATING THAT THE FUNDS WOULD HAVE TO BE HELD FOR XXXX TO FOURTEEN DAYS TO ASSURE THAT THE CELLULAR PHONE COMPANY DOES NOT PROCESS THE TRANSACTION.
Product: Mortgage

My XXXX XXXX mortgage was purchased by SLS Loan Servicing XXXX/XXXX/XXXX. I had only 6 months left on my Adjustable Rate Mortgage, set to balloon on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SLS sent me a loan modification letter offering to extend my ARM for an additional 5 years under the same terms. Rather than applying to another bank to refinance, my husband and I signed the document and returned it to them to extend our loan for 5 more years. We both have excellent credit and have always made our payments on time, so this did not seem unusual that they wanted to keep us as their customers. Well, about 7 months later ( XXXX XXXX ), SLS out of the blue sent my mortgage payment back saying that our balloon was due in full and they were only going to accept full payment of our loan. ( This is after accepting our monthly payments for 5 months after our balloon was due with no correspondence from them at all saying anything was wrong! ) I have been on the phone with them at least 25 times since trying to rectify this situation to no avail. One person actually told me on the phone that the modification/extension letter was sent to me in error. ( what?! ) Another told me that they did n't receive it, this after I mailed it, and faxed it to them twice. Bottom line at this point is that they will not honor it. SLS is now negatively affecting our credit score saying we are behind on our mortgage, and no bank will even talk to us to refinance so I can pay them off and be done with them, since my credit report shows missing payments to them. They are trying to get me to fill out a loan application to start over with them, that says I need modified payments - as if I am in financial trouble. My husband and I do not need modified payments. We can afford our mortgage without their help. I am afraid to fill out anything for them at this point because they do not seem to be on the up and up on anything. When I google the SLS name, XXXX complaints come up all over the internet against them. I do not know where to turn at this point. Each day my credit score goes down ( we were in the high XXXX 's prior to this ). I can not believe in this day and age that a company can get away with something like this. Help!
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX bit-Installment loan XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account Credit Card XXXX. XXXX - Account ( XXXX XXXX Bank ) 5. Extra - Line of credit 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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.