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

Experian Attn : Customer Care XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to have a human answer the phone in order to solve the issue of removing data that is NOT CORRECT where I have asked them to make these corrections and provide evidence of the correction. 

Therefore they do not send the information to prove correction has been made, the DO NOT ANSWER THE XXXX PHONE XXXX or XXXX This repeated refusal to pick up the phone is preventing me from confirming the information still exists and is NOT CORRECT or the information has been corrected. 

As a XXXX veteran who is triggered by the experian phone system from XXXX there is no override to get to a human and if they have DATA THAT IS MINE THEN THEY HAD BEST ANSWER THE XXXX PHONE AS I HAVE HAD ENOUGH OF THEIR DISREGARD.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX in XX/XX/XXXX. The loan was in the amount of {$2.00}. The payments were extremely high and I was n't able to pay back the loan any longer. XXXX went to court and was granted a judgement against me some where around XX/XX/XXXX. My wages were garnished from the employer I was working for then, XXXX XXXX. XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX also seized money from my bank account. They have already taken more money from me than I owed them. XXXX/XXXX XXXX XXXX XXXX XXXX has now gone back to court and was granted another judgement for {$2700.00} and have sent a notice to my employer for garnishment. I only make {$14.00} per hour and I 'm the only one in my home that has income. I am already having to borrow money from family members each month to make bills meet. I ca n't afford to have my paycheck garnished and will have to file for bankruptcy if the garnishment is not stopped. I would like to be added to any class lawsuit against XXXX or XXXX XXXX XXXX XXXX XXXX . Please stop the garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX/ # XXXX XXXX. XXXX XXXX XXXX card # XXXX XXXX. XXXX Bank # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX 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. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Product: Credit card or prepaid card

A Chime account was fraudulently opened in my name. I have tried to contact the company by phone but am unable to reach anyone and their automated system cant address this or take a report of any kind. I only know of the account because I received emails saying an account had been opened and then emails stating phone number and email have been changed.
Product: Credit reporting

Inaccurate and outdated medical collection accounts and city tax lien continue to the reported on my credit report despite theses accounts being paid in full and service providers requested to have these accounts removed.
Product: Mortgage

On XX/XX/2021, Flagstar representative name XXXX at the corporate office was unable to resolve my issue or offer any assistance. Instead, the representative immediately transferred the military veteran home mortgage borrower to the Forbearance program. 

On XX/XX/2021, a Flagstar representative informed me it generally takes about 4 weeks to process Loan Modification Loan. 

On XX/XX/2021, a Flagstar representative name XXXX verbally confirmed all requested documentation including a completely signed and certified Modification Agreement was received. XXXX also informed me the company had not updated their system to reflect the due date of my modified loan mortgage monthly payment amount. 
XXXX requested I provide my bank routing and account number as the only means of making a mortgage payment. 

To date the military veteran home owner has not received a written final determination regarding the loss mitigation/modified loan agreement.
Product: Credit card or prepaid card

This accompany has Closed/Written-off this account and now I face a agency that has no legal right to my information, nor has the right to charge interest. 
I ask that this agency to send statement owed, together original instrument of indebtedness in its original form. 
acou # XXXX
Product: Mortgage

I am having issues with SLS Specialized Loan Servicing Company. When the mortgage was turned over to them from a previous mortgage holder a couple years ago THINGS GOT REAL BAD. Since then the posting of payments made have been inaccurate and misfiled, even so to have me put into foreclosure that went all the way to a Law firm XXXX XXXX XXXX firm that SLS later found the mistake and corrected it this was in XX/XX/XXXX. I was shown as XXXX behind. They were going to take my house. SLS ended up fixing the foreclosure with the Law firm. Only saying they misplaced the money. They mailed me a statement that shows not past due, current amount and payment amount due etc. XXXX XXXX XXXX XXXX emailed me a copy of the dismissal letter and said your not in foreclosure. I now have damaged credit showing 19 plus late payments and another amount of XXXX on my credit from them! They are crooks. I have called them asking for proof of their mistake of putting me into foreclosure then them fixing it and they told me the money just got misplaced. I called SLS XX/XX/XXXX just to ask when they received my last payment and when is the next one due because i do not trust them SLS told me they have not received anything since XX/XX/XXXX!! I have the proof XX/XX/XXXX was made last week. They are ruining my credit with 19 plus late payments stating 150+ days late! This is now on my credit. I used to have them draft my house payment from my account. I had that finally come to a stop last month after a long time of getting someone to help set it up. They have horrible reviews and need to be stopped. This was my first home i purchased when i got out of the XXXX years ago. I now rent it out as its too small for my family. We were going to purchase a new home this year and the loan officer told us this was on our credit! This company is recording false payments and as my phone call the other day they still are not recording my payments. This must be stopped. Please help. Thank you
Product: Mortgage

In a letter dated XX/XX/2023 was informed that my home was reffered for legal action. 

I wanted to just inform your office, that I am having slight issue reaching my designated relationship manager, which is problematic at this time.

Due to some inconsistencies, and conflicting infirmation, I have different information from different agents I've spoken with which may have led to this unfortunate decsion.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some inaccuracies with one of my accounts. This account is paid off in full but it is reporting as derogatory, and a collection/charge off. This inaccurate Information is severely credit my credit score, and ability to obtain new credit. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a robotic message from a collections company claiming to be Midwest Recovery LLC. My mother and husband received similar calls for me from this company. I had no communication from them prior to this date. The same date, my XXXX  and XXXX  credit reports showed collection accounts with this company. I know this is not legal. No notification of this alleged debt, no information until the date you report it? What about my right up dispute the validity of the debt? The next day, the account was on my XXXX   account. I have no collection accounts on my credit report. I have good freedom. I believe this company seeks out those in situations like mine do they can bully them into paying a fraudulent account. They know they care about their credit. I called the company on the morning of XX/XX/XXXX, anguished about my now tarnished credit. Before I could get two words out, the representative told me the debtor would accept less than 50 % settlement and delete it from my credit. To me this proves this company is fraudulent. Why wouldnt you want the full amount I owe and why would you use credit deletion as a bargaining tactic? I didnt ask for it. You offered because you get people to pay just to get it off their reports. You are bottom feeding snakes. Disgusting! The account is not mine. I have a military spouse. That makes me ineligible for these types of products. I have not taken a payday loan. I literally have 15 credit cards. I don't need a payday loan! The checking account number they provided in which the alleged funds were deposited is not mine. I have been employed with XXXX XXXX for 12 years so I have an account with them and XXXX XXXX. I almost offered to pay just so they would take it off my credit. I almost fed into their deceitful tactics. This is UDAAP at its finest. But I refuse to let them get away with this. There are so many online complaints from other people with the same story. You should be ashamed of yourself, Midwest Recovery!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Repeatedly Asked U.S.Bank To Validate Account With XXXX XXXX XXXX Made Pursuant To The FDCPA & The FCRA, With Any Documents, Bearing My Signature For Verification.The Credit Card Account Is Listed As Verified by Creditor, Without Any Viable Evidence With My Signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO EQUIFAX IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Product: Credit reporting

Identity theft/ XXXX, XXXX Bank Delaware XXXX XXXX.XXXX, XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any information on my credit report that is inaccurate or incomplete. I request that you thoroughly investigate and remove the incorrect name from my credit file, as it does not reflect the accurate and legal name by which I am identified.

Additionally, I request that you provide me with a copy of the original contract or account documentation that contains my correct name. If the original agreement contains any discrepancy in the name, I ask that you provide documentation that verifies the error and reflects the proper name associated with the account.

Please treat this matter with urgency, as inaccurate information can have a significant impact on my creditworthiness. If this issue is not rectified within the 30-day period allowed under the FCRA, I will consider pursuing further legal action, including but not limited to a lawsuit for violations of the Fair Credit Reporting Act, which provides for damages, attorneys fees, and court costs under 15 U.S.C. 1681n and 1681o.

I appreciate your prompt attention to this matter and request a written response once this issue has been resolved. Please update me on your findings and any actions taken to correct my credit file. 
Thank you for your cooperation. 


NAMES Requested to be removed XXXX XXXX XXXX XXXX XXXX AND Report No XXXX - My name was updated in two accounts and I would like to see the investigation report and the original contract with the correct names. 

If they can not produce the original contracts with the CORRECT NAME these names need to be removed immediately. IT HAVE BEEN OVER 30 DAYS SINCE I REQUESTED THIS INFORMATION
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 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 consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, another personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and lastly a personal credit account opened at XXXX XXXX. on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

An XXXX XXXX Account " XXXX '' in has been wrongfully added to my credit report affecting my credit score on both Equifax and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any XXXX XXXX credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted XXXX XXXX and spoke to XXXX. I wanted to cancel the scheduled payment for XX/XX/XXXX and spoke with him about a newer date for payment ( XX/XX/XXXX ). He was in agreeance. He stated he would send this over to my account manager XXXX and we ended the call. 

On XX/XX/XXXX I checked my bank account and noticed there were two transactions from XXXX XXXX. One for {$670.00} and the other {$33.00}. I called and spoke with XXXX and in the called she stated that XXXX 's notes from XX/XX/XXXX were not consistent with my claim with her ( XXXX ). XXXX then told me that XXXX ran the payment on that day ( XX/XX/XXXX ). 

I called XXXX later on in the day ( XX/XX/XXXX ) XXXX stated that we made an agreement for the payment for XX/XX/XXXX and that he initatied the payment despite me calling and cancelling it on the same day ( XX/XX/XXXX ) I believe there are some serious ethical issues involving the billing practices at XXXX XXXX and they need to be addressed. 
I did not authorize XXXX or anyone at XXXX XXXX to run that payment on XX/XX/XXXX. I only canceled the payment for XX/XX/XXXX. 

This is the short version of what has happened. 

Please also keep in mind that I record all of my calls and can accurately back up everything stated in this form.
Product: Checking or savings account

We have a Bank of America Fundamentals Business Checking Account for our multi-member XXXX. One of the members and shareholder/my brother, had been following up with boA multiple times regarding a set of fraudulent transactions that occurred in XX/XX/2022. 
BoA did cancel our cards within 2 days. 1 ) However, they took forever to refund us the fraud transactions, and still haven't refunded them all to date. Due to this, we are being charged {$16.00} every month as low balance fee since XX/XX/2022. We are intentionally not adding more balance in the account in fear of more fraud activity. Until we receive our refunds, we can not add more funds. ( But they are still charging low balance fee ) 2 ) { 6 transactions on XX/XX/XXXX, XXXX on XX/XX/XXXX }. Out of these, transactions of 2 of the vendors were refunded on XX/XX/XXXX. But the remaining XXXX were never refunded to date, despite my brother 's multiple phone calls to follow up and request the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, The XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses 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 XXXXXXXX are not addresses I have lived
Product: Consumer Loan

On XXXX XXXX, 2015, my car was repossessed due to non payment. During the repossession XXXX XXXX the tow truck driver hit several cars with my car. My cousin witness the event and called me. I then called the lean holder ( Santunder ). They told me how much it would cost to get my car reinstated and gave me the number for XXXX. I called XXXX and they gave me the tow company 's number XXXX ( XXXX ). XXXX from XXXX told me that my car was involve in an accident but not to worry because as it stands my car is repossessed. I told him I would get it out in about 2 or 3 days. He told me to handle what I need to on my end and he would handle his end. I got my car reinstated XXXX XXXX, 2015. I called to set up an appointment to get my car and could not get in contact with the tow company ( XXXX ). I called XXXX and they got in contact with XXXX and transferred my call. I was told the cost of the pick up {$150.00} and I then ask was my car repaired she did not know what I was talking about and told my that XXXX would call me back. I did not receive a call back from XXXX. I called Santunder to let them know that it has been 3 days and I have not heard anything from the XXXX or XXXX. They escalated my case to the president 's office ( XXXX ) she sent an e-mail to XXXX to furnish me with a rental until the repair was completed. I still did not hear anything, so I called XXXX and he told me to make a reservation for a car. I reserved a car comparable to my Chrysler 300 and he told me it was to much. I called a lawyer friend and he called XXXX and advised him of my rights and asked for pictures and accident report information. XXXX replied with a very rude gesture, but called me with information on getting a rental. On XXXX XXXX, 2015 he told me he would give me a {$350.00} check for a 2 week rental and if I wanted anything bigger I would have to pay for it myself. I did not see the damages on " my '' car nor have any information about " my '' car. I went to the police station to get information about the accident and the insurance information. I called the insurance company XXXX and there was no report filed for my car. I filed a report and they also told me nothing about " my '' car. XXXX XXXX, 2015 XXXX at XXXX offered to get me a compact rental at XXXX. Unfortunately I did not pass the credit check so I told this to XXXX on XXXX XXXX, 2015. He told me to find another place and told him that XXXX would do it prepaid. I told him the price and he rejected the price I called Santunder to tell them I can not pay them if I do not have a job. I asked them what should I do and they told me I was a grown woman and I can do what I wanted. I have already lost my job because I was unable to go to work. Now that I have a new job that starts XXXX/XXXX/2015 I still do not have a car. I called XXXX on XXXX/XXXX/2015 and he told me that the car has not yet has been worked on because he did not have the key. I asked for pictures and any kind of correspondence between the parties and was told that the information could not be given to me.