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

Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, Experian reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Product: Credit reporting or other personal consumer reports

All these inquiries were reported to equifax in the past as fraudulent and they were removed. A few months ago an equifax representative treated me incorrectly and in a very bad way since I explained to him that I am a victim of fraud for a long time and only people with my problem know how difficult it is to live with this problem since he refused to help me with a fraudulent report from XXXX which it was shown that it was really a Fraud and today that account is updated in my report. After that incident, all the investigations deleted to the report suddenly return. It is unacceptable for these things to happen. I hope that my problem will be solved as soon as possible with the elimination of all these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX violated my rights. 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 an account without my written instructions.
Product: Mortgage

I have previously submitted a claim to Trusit regarding notification of an increased escrow payment of XXXX with less than 30 days notice. The increase in escrow was due to a mistake made by Truist, they paid my annual taxes twice and overdrew the account. Instead of taking responsibility for the mistake, they have repeatedly ignored my request to adjust my mortgage payment while the issue is resolved. Both investigations by myself and Trusit have determined that they paid the city of XXXX XXXX more than necessary. They have applied for a refund, however, while the refund is processing, my current monthly payments are increased by over XXXX due to the overdrawn account. The burden of this increased payment should not fall on me as the consumer. I believe this was done maliciously by Truist to force foreclosure. I have reached out multiple times by phone with no response. They call and leave messages with no updates letting me know a letter will be sent in the mail. They closed my original case with the CPFP after resolving absolutely nothing regarding the monthly payment increase. As I stated before, I believe their practices are predatory, a violation of RESPA among other laws and I will be taking legal action at this point since Truist is unable to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX XXXX XXXX and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX. 
Experian - www.experian.com. XXXX  XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX  XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting late payment. NEVER LATE XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX
Product: Student loan

Step 1 : What is this complaint about? 

I getting constant calls from XXXX XXXX an agent at Navient, about my private studnet loan. When I called to make an payment plan it was accepted at first, but he was not please about it so he later denied it, when I told him I could not pay what he was suggestion would be better. Then he went on to tell me incorrect information about my credit score and the assests of my cosigner ( he said he is coming to take the house that my cosigner owns ), but they do not even own a house, and threaten that they are coming to take it. He was rude, aggressive, short tempered, and belligerant. He also called back to back several times.

Step 2 : What type of problem are you having?

I recieved no notification about this private loan prior to a 3 weeks from XX/XX/2018. I am in good standing with all my loans. Due to short notice I want to be respnsible and pay what I can as of right now, but I am being lied to and denied that right. 

Step 3 : What happened? 

He took it upon hisself to deny my offer, after failing to get a larger amount out of me. He kept making negotiations and said that is all he can do. When I told him I can not do that then he would change it to a lower amount. He agreed with my offer initially, but as he kept doing the math he told me it " would not make sense ''. Then he went on to tell me that he knows I can pay it because I have a good credit score, which is not true. He also said they do not give loans to people with bad credit, but this loan is 9 years old when I was XXXX years old and had no credit but simply a studnt.

Step 4 : What company is this complaint about?

Navient and the specific agent is XXXX XXXX who telephone number is XXXX as well as XXXX. He has left messages threatned my cosigner, and have been rude, aggreesive, and deceptive to me via phone. 

Step 5 : Who are the people involved? 
Myself, my cosigner. The agent XXXX XXXX from Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX XXXX Please remove these accounts ASAP.
Product: Debt collection

Messerli & Kramer represents XXXX XXXX, XXXX. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from Messerli & Kramer, at XXXX PM, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from Messerli & Kramer. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX in the amount of {$4600.00}. I have disputed this account with the company and also with  Experian, XXXX and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.
Product: Debt collection

Renasant bank Misrepresented to a major credit reporting agency ( XXXX ) on at least three separate dates including XX/XX/2019, XX/XX/2019, and XX/XX/2019, that account number XXXX is a true and accurate account that belongs to me. The representation that XXXX is an account that I have contractual agreement is false. I have neither signed nor authorized my signature for any such contract bearing the account number XXXX. I have advised XXXX and all other credit reporting agencies that this account is fraudulent and related accounts were a result of identity theft. Your company has never provided any contract nor can provide any contract bearing this account number but have represented to the XXXX that one does exist. This is an act of fraud on the part of renasant bank and repeated false verifications of account number XXXX as an account initiated and authorized by me is false. This is also a collection attempt on a fraudulent account for your company in which I have no relationship with. 
Prior to this bank sending these false verifications and updates I have mailed letters demanding all original copies of any paperwork bearing the account numberXXXX be provided along with other information about this fraudulent account be provided as well as action to be taken in accordance to 15 U.S.C. 1681 et seq / fcra section 609 et seq. These requests were  mailed via usps on XX/XX/2019 XX/XX/2019 and XX/XX/2019 to XXXX XXXX XXXX in XXXX Mississippi ; Renasant bank has not responded and has refused to comply. Updated information has been provided with this report I can also provide information regarding previous mailings.
Product: Mortgage

We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned.
Product: Debt collection

My client, XXXX XXXX, was a low level employee of the XXXX XXXX for XXXX XXXX in the New Hampshire officeXXXX XXXX was instructed by the XXXX to create an internet account with XXXX XXXX for the exclusive use of the XXXX. Thereafter, he called XXXX XXXX, used the XXXX 's credit card for payment of all fees, including future charges, and provided his name and phone number as XXXX required a contact person. 
Shortly thereafter, XXXX left the XXXX New Hampshire campaign. Over the past several weeks, XXXX has been hounded by an abusive debt collector even though she was apprised of the above facts. XXXX then contacted my office to represent him in this matter. On XXXX XXXX, 2016, a representative from McCarthy. Burgess and Wolfe contacted me, at first refusing to identify themselves. When I informed the McCarthy, Burgess and Wolfe ( hereinafter, MB & W ) representative to either identify herself or I would end the call she stated that the call would be recorded and that she was calling in response to a claim against XXXX XXXX. I informed the MB & W representative of the facts set forth above, told her my Client had no fiduciary responsibility for the Campaign and was no longer employed by XXXX and that she was to discontinue efforts to collect through my Client. She continued to press for information and I informed her that the debt was not my Client 's, he was not responsible and that she was to discontinue all efforts to collect through my Client. Lastly, I told her that should they initiate any proceeding against my Client, we would countersue. Thereafter, I ended the call. 
Previously, I informed MB & W of the above facts and informed them that XXXX XXXX would not be responsible for the debt as it was not his, and they were to discontinue all collection efforts through XXXX. I also told MB & W that if they had facts to counter my claims, they were to send those fact directly to me and discontinue all communications with my Client.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have been charged a cash advance fee and interest on a {$9.00} XXXX charge that was for a purchase of goods/services even though I have never been charged such in the past year. I requested that Chase reclassify as regular charge as in past and remove the fee and interest but they refused. Asked to dispute charge and they refused to open a dispute. 

Transaction Date : XX/XX/2023 Amount : {$9.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I entered into an agreement with XXXX XXXX XXXX. 

They took over payments for my accounts, one being my XXXX card, by XXXX - XXXX XXXX XXXX XXXX. 

Upon XXXX taking over payments, the account was current, never in collections or anything of that sort. 

XXXX did not provide any concessions such as reduced APR, reduced payments, etc. Simply XXXX took over my payment, on my behalf. 

The account was paid in full and on time. 

Once XXXX paid off the account, 6 months later, XXXX put a narrative on my equifax credit report titled " Paid by Financial Management Program '' " Paid Collections '' The " Paid Collections '' should not be there as I was never notified, nor was XXXX  that the account was or would be placed into a " collections '' status. Not to mention, I still received regular statements from XXXX reflecting a current account with payments. 

The portion that states " Paid by financial program '' is accurate, however, the latter is not.
Product: Checking or savings account

On XX/XX/XXXX I noticed an unauthorized charge on my checking account. I contacted Chase immediately and Chase agreed it is because of my debit card/ checking account information was hacked. 
On XX/XX/XXXX I received a letter from Chase, stating " As we discussed and agreed, no action will be taken ''. 
First of all, I never agreed to " no action will be taken ''. Second, this is my account being hacked, and " no action will be taken '' is how Chase respond to it?????
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 consists of : XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XXXX of 2024 Freedom Morgage Company bought my morgage from my previous lender. My previous lender had already paid my yearly insurance premium. When switched over, Freedom Morgage paid my insurance premium again as well as paying out my county tax in XXXX and AGAIN in XXXX. Because of this, my morgage payment went up over XXXX a month because of the double payment for both insurance and taxes on Freedom Mortgages part. Called on XXXX and they opened a ticket. Called back on XXXX and was told that yes they made a mistake and overpaid both my insurance and taxes twice. I asked what could be done about it now because my payment is due and they want XXXX extra dollars due to their error. They said it could take up until XXXX to be corrected. This is unacceptable. Due to their mistake I will need to shell out XXXX extra dollars to cover the next 3 months until they fix the overpayment. 

I reached out to my insurance company on the side and they send a check to me for the overpayment of insurance. I will be sending this back to Freedom Morgage once the check clears in my account.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy dismissed Date filed XX/XX/2020 Date resolved XX/XX/2020 Responsibility Individual Reference number XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX Washington , DC XXXX Dear Sir/Madam, I am writing to file a report regarding inaccuracies on my credit report. According to my credit report, there is a bankruptcy filing listed that is inaccurate and should not be there. 

Description of Inaccuracy : The bankruptcy listed on my credit report is inaccurate because the United States Bankruptcy Court did not report it to the credit bureaus. I have confirmed with the court that they did not report this bankruptcy filing to the credit bureaus. 

Documentation : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include correspondence with the United States Bankruptcy Court confirming that they did not report the bankruptcy filing to the credit bureaus. 

Request for Action : I kindly request that the FTC investigate this matter and take appropriate action to remove the inaccurate bankruptcy information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if the United States Bankruptcy Court did not report the bankruptcy filing, it should not be listed on my credit report. 

Contact Information : Please feel free to contact me at the phone number or email address provided above if you need any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]