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

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ACCOUNT XXXX XXXX openedXX/XX/XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX Transunion Credit Services : Submitted a XXXX  Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {$1800.00}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the XXXX XXXX XXXX, XXXX  number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the XXXX major credit bureaus. Their contact information is as follows : XXXX XXXX XXXX XXXX Mail Drop XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns. 
________________________________________ I then submitted 4 disputes with transunion regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with Transunion. It also shows up under " Payment Status '' 30 days late & 30 days past due date. 

XXXX : same story, submitted 2 disputes with XXXX, this still has not been removed from XXXX 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently reporting inaccurately : I had a XXXX  agreement plan with XXXX XXXX XXXX and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting or other personal consumer reports

This complaint has been filed pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an credit account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in negative items, and collection accounts reporting on my consumer fico credit report. All of the aforementioned accounts, and collections are the result of identity theft and fraud, I have attached a copy of FTC identity theft criminal complaints as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, and collection accounts the result of identity theft and fraud.
Product: Mortgage

U.S. Bank Home Mortgage has {$34000.00} for me in a restricted escrow account that was left after my home was repaired in Hurricane Ida. I want to pay my home out. They have received the {$1400.00} from my XXXX Bank account. I have never seen a company that doesn't want a customer to pay them out.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. 
On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage reported to XXXX that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called PHH to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the XXXX point drop in my score fixed as I need to purchase my car and the credit score of XXXX from XXXX is affecting the loan.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, or personal loan

I had opened a line of credit with First Virginia ( XXXX XXXX XXXX XXXX, VA XXXX ) a CCF Holdings LLC Company ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) subsidiary, and was doing business with the previously mentioned company for serval months prior, until without notice on XX/XX/2023 the Company ( CCF Holdings LLC ) committed fraud and took an unauthorized payment of XXXX out of my business savings account. At no point in time did I Authorize and/or gave them the information to access my Business Savings account ; this action should have never occurred. I Reported this fraud and Improper Financial transaction to my Business financial institution ( XXXX XXXX XXXX ) once I was aware, and an investigation was conducted and concluded on XX/XX/2023. CCF Holdings LLC was found in the wrong and funds were returned to my account ; unfortunately, there were other issues caused by this transition resulting in a monetary loss and a decline in creditworthiness from other lenders. An estimate of XXXX in damages I feel would compensate for this egregious attack and improper collections action taken upon me and my business.
Product: Vehicle loan or lease

I am writing to you to have my all funds paid so far returned to me. According to the, Truth and Lending Act. 1602 My car has already been paid for. Because, My ID and Social security card are my forms of credit. So once the bank ( EXeter Finance ), Released the funds to the dealership ( XXXX XXXX XXXX ). Which became a consumer transaction at that point. I know my rights as a consumer. And want to use my ability of recision. So the bank ( Exeter Finance )
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found some addresses that appear to be incorrect. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a letter as well as my Identification
Product: Credit reporting or other personal consumer reports

I open a secure credit card and gave them {$300.00} The account was closed XXXX they are saying it was closed XXXX? And charged off in XXXX. 
They are saying that I owe {$490.00}. Still? How can that be possible if I only had a {$300.00}. Credit limit and they took the {$300.00}. When they closed the account? And they charged off the amount and got that Also. They are still reporting this to the credit bureaus after being charged off and took the {$300.00}. And closed for XXXX  years. This bank are crooks. So basically they want me to pay {$490.00} still even though they took the {$300.00} on deposit and charged it off. So I'd be paying {$790.00} for a {$300.00} credit card. I asked about this and they just says yes to pay an additional {$490.00}? I asked what for with no answer.
Product: Debt collection

The Midland Funding LLC charged me {$700.00} which I was not owned. It hurt my credit score.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the negative items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint Number XXXX & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent my first letter that talked about incorrect/fraudulent items that showed on my credit reports to ( XXXX, XXXX, and Equifax ). 

Next on subsequent dates I sent letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent other letters asking them to look into this issue, but I have not received a response yet. 

This is a blatant violation of the FCRA, and I will be filing a law suit at my small claims court against Equifax, XXXX and XXXX for not helping me resolve this issue. I have sent letters via certified mail and I have copies of all documents that were sent off You can settle this outside of court by paying my settlement of {$5000.00}, or face other charges.
Product: Checking or savings account

Direct deposit not posted on Friday like it supposed to. Was told it would be fixed by Friday and it still has not posted.
Product: Debt collection

I recently reviewed my credit report, and the accounts listed below are showing incorrect data on my experian credit report. I have paid these accounts in full/ and was not late. 

XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX -XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX -XXXX XXXX XXXX  Account number XXXX
Product: Debt collection

I submitted a validation and Desist on or around XX/XX/2024. I did reach out to the attorney that Midland advised me to. Since I've relocated to Texas they couldn't resolve the issue.
Product: Credit card or prepaid card

I want my new debit card added to my XXXX account and every time I try to add it I keep getting error message. I called XXXX XXXX to resolve it but they keep giving me the run around.Saying their third party got handle it in 7 days then try again. So I wait 7 business days and still there no charge I been dealing with problem for going on 2 months. Not having my account back right is making very hard to feed my kids and even myself.
Product: Credit reporting or other personal consumer reports

I am not aware of this account. I have reached out to XXXX credit bureaus and XXXX XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from XXXX Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX XXXX that I have no account with them and XXXX credit bureaus can simply remove it from my credit. 


I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX My home, car, and possessions were destroyed in hurricane Ian. I immediately contacted Regional Acceptance of the natural disaster. They informed me that even though the principal of the car was Satisfied they would still be charging me penalties and interest in the sum of XXXX and they would extend my payment until XX/XX/XXXX. That didn't happen instead reported it late. Strong holded me to sign a new agreement for a car that towed away destroyed by mechanic. I asked for a reasonable compromise. They offered me XXXX as apposed to XXXX for three more years for a car that doesn't exist. I have no car I have no home. I wish to remove this car from my credit report and to settle this with the lender. Whose clearly become a predatory lender seeking to take advantage of my weakness. The car insurance comp and collision insurance wasn't on the vehicle. They didn't notify gap when they extended my contract so they won't cover it either. The vehicle was purchased XX/XX/XXXX the principle was paid XX/XX/XXXX. At 18 % percent interest. This is damaging my credit profile and I need this removed.
Product: Credit reporting or other personal consumer reports

be advised that the last statement i received from comenity capital credit card was in XX/XX/XXXX which was paid in full. i NEVER received statements for XXXX or XXXX XXXX the next correspondence i received from comenity was a letter dated XX/XX/XXXX claiming that my account was overdue. upon contacting them immediately and inquiring as to why i had never received statements for XXXX or XXXX, the representative 'did not know '. he subsequently agreed to waive the late fees and the outstanding balance of {$52.00} was promptly paid over the telephone via my checking account. i can not pay a bill that i did not receive. had i received them, they absolutely would have been paid in full the day they arrived as is my habit for all of my bills. my credit history is impeccable and speaks for itself. i take great pride in my credit history. i have had a credit score in the XXXX range for approximately 35 years. i am willing to swear on a stack of bibles that this is a true and accurate statement. it is unjust and unethical to penalize me for not paying bills that were never received and i will pursue this complaint to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME.
Product: Debt collection

I have called the medical data systems inc XXXX XXXX XXXX XXXX fl XXXX ( XXXX ) XXXX I advise the rep Ms. XXXX, I did not receive any letter statement the first time they claimed to have sent it and that I will be in need of another form showing the details of the account. 
The representative in charge of the account refused to send out any form of verification. Her and her supervisor advised that they do not send any forms out. They only have my name and debt amount and ready to take payment. 
I told them I need this form to provide to my accountant so that he has it in paper of where and who these payment will be made to. 
They REFUSED and begin yelling saying that they will ONLY provide me the letter and more information AFTER I have made a payment. I'm not sure why the supervisor of a company felt it is neccessary to blackmail me over a statement request. They said the only way I will be able to get the letter of verification is if I made a payment on their account today XX/XX/XXXX, XXXX and hung up after I told them I can not make a payment without the form.
Product: Mortgage

Academy Mortgage owes us money due to over charging us for PMI for the year XXXX and XXXX. They charged XXXX instead of XXXX. Some months they charged duplicate PMI payments. This company over charged PMI and has failed to reimburse the full amounts overcharged. Academy Mortgage contacted us by phone and email. They gave a designated point of contact XXXX XXXX. He stated response to the issue was going to be provided by XX/XX/XXXX. It was not. We received several letters, the most recent XX/XX/XXXX stating they required more time to research the issue. 

1 ) Academy Mortgage stated check XXXX for {$160.00} was mailed to Borrower on XX/XX/XXXX. 
We have received no checks from Academy Mortgage, or any other amount for that matter. From our perspective this is a false statement. 

2 ) Academy Mortgage did an Escrow analysis on XXXX. However as the escrow account was still incorrect because it had not been corrected on refunds owed due to PMI overpayments, the escrow analysis was incorrect. I emailed XXXX XXXX asking about this issue. I did not get a response. 

Re : XXXX escrow issue XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Good morning While we have not gotten a response yet on our issues, I do see activity out on the portal. 

There was a new escrow analysis done and statement posted XX/XX/XXXX. 

However the PMI refund issue has not been addressed completely. 

I downloaded daily over the last couple weeks as updates were being made to the account to watch the activity. Now that a new escrow analysis has been issued it implies your done with corrections to the escrow account, however you have not issued the full refund owed for PMI overpayments. 

Attached is a spreadsheet breakdown of what the escrow account looks like currently as posted on your portal. You still owe XXXX in PMI refunds on the escrow account. 

I look forward to your response on this matter. 

Thanks XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hello XXXX Ive left XXXX a message. 

XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hello XXXX, I just wanted to reach out to let you know we have been trying to stay on top of your situation. Please read below the gentlemen by the name of XXXX said he left you a message with a status update. Please call him with questions. 

XXXX XXXX Sales Manager, Producing | NMLS # XXXX Licensed in Colorado, Florida, and Texas ( XXXX ) XXXX | Direct ( XXXX ) XXXX | Cell XXXX ( XXXX ) XXXX | Fax XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX NMLS # XXXX | Equal Housing Lender My team is always available to help if I am not. 

From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : RE : XXXX escrow issue I called the customer and left a VM to return my call. 

XXXX XXXX Sr. Manager - Loan Servicing Operations XXXX XXXX XXXX South Draper, UT XXXX D : XXXX | C : XXXX XXXX Loan Servicing Toll Free : XXXX