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

I called XXXX ext XXXX. I spoke with XXXX in the Department for garnishments. I advised here that the I never received any correspondence regarding it being closed. I was advised that XXXX was not included on the Judgement. Apparently there was an arbitrary charge form the apartment complex of over 2000.00. I asked how is the judgment line showing the entire balance when a little over 1400.00 was the amount I was ordered to pay. When I was initially contacted by the collection agency, I placed on notice and filed a CFPB complaint ( circa XX/XX/2015 ) asking for a itemized report of the additional charges after judgement was granted. 30 days has since past ( two years ) and never was validated. I have agreed to pay the XXXX ( court cost ) to close the judgement but will not pay the arbitrary charges post judgment.
Product: Mortgage

In  XXXX  I had an issue with my taxes. Bank of America (BOA) was informed by me and I was told to keep them informed as I tried to work out the missing money with the city.   XXXX   XXXX   XXXX  , BOA (without notice) paid my taxes that weren't completely due yet and my county taxes that weren't due for like another month or so...then they placed an escrow on my account. This raised my house payment from  XXXX /mo to over  XXXX /mo!!! Needless to say, I couldn't afford that.

I called BOA several times and the people I spoke who advised me to go thru loan modification. Another nightmare. I was denied after about 2 months of paperwork. I was ==>>also told by my contact person not to make any payments until the modification went thru
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report is shoeing late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Product: Checking or savings account

I was in college and XXXX  XXXX and someone tried to deposit a fake check in my account in XXXX Maryland. I contacted Bank of America and told them what happened and they still close my account. I asked him how did they close my account when they didnt do an investigation to make sure that it wasnt me. They had sent my parents the fake check that was deposited in my account and the signature on a check did not mess my signature at all so we were confused on why they closed it when thats not even my signature on that check. The check did not go through in my account but they still close my account. They kept saying I have to go to this and do this and do that I did everything you told me to do in a student help me with trying to open my account back up or do investigation. This all happened in XXXX and Im still trying to get this issue resolved.
Product: Debt collection

These people I assume are trying to collect a debt for my XXXX XXXX  who XXXX  with bills and zero assets. They are calling my work phone # and Ive answered and told them repeatedly that this is a business phone and to stop calling. They keep calling. Ive told them that I would report them if they keep calling so here we are. I dont know how these people even got my work number, but this needs to stop. 

Credit Control XXXX is the # they keep calling from.
Product: Debt collection

Receivable Management System are sharing my medical records information with unknown individuals over the telephone. 

They are not in compliance with requirements under 45 CFR SECTION 685.212 ( 3 ) ( 1 ) ( iii ) ( vi ) and are violating hipaa and share personal medical records with unknown individuals over the telephone.

They haven't verified the debt or service or treatment regarding the healthcare under hipaa. 

And is threatening to harm me by any means necessary.
Product: Credit reporting or other personal consumer reports

As l am still a XXXX XXXX who's being RETALIATED AGAINST in XXXX Illinois for reporting Corruption by deceptive Bankruptcy firm known as XXXX XXXX. It's enough I'm blocked from XXXXXXXX XXXX from having a account as of XX/XX/2024 but someone has gone as far as having Experian report me as being XXXX as of XX/XX/2024. In all my 54 years retrieving my credit report and score, I have never seen anything like this!! I tried to resolve this matter with Experian representative but she hung up after XXXX minutes trying to her to explain logically why there's no XXXX XXXX anymore. Also XXXX XXXX had the strange audacity to close my account without reason in 10 days on XX/XX/2024. Please contact me regarding investigating this bizarre matter as l have been tolerating strange hacking on my cell phone. My emails have been compromised and my cell phone numbers in the past 6 months as well. Someone very dirty empowered is trying to XXXX BALL as l am homeless ( staying at a womens shelter in XXXX Illinois since XX/XX/2024 ) and blocked from getting approved for housing or legal support. Please investigate why l can't receive my XXXX XXXX and why XXXX Bank can close my bank account without reason.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that my credit report is showing many hard inquiries that I did not give consent to any of these companies to look at my consumer report. 
I did not give consent to the following companies to look at my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent Experian, XXXX and XXXX a Notice of inaccurate information reporting on my consumer report ; this postage was sent XX/XX/XXXX certified mail with return receipts attached. All three credit reporting agencies received my postage. 

Experian sent me an email on Wednesday, XX/XX/XXXX that my inquiry dispute has been updated and " resolved ''. To my dismay only XXXX of the XXXX inquiries have been removed on my personal consumer report. 

I sent Experian a second Notice of Willful Noncompliance XX/XX/XXXX putting them on notice that they are in direct violation of 15 U.S. Code 1681n ; I suffered greatly with these false, inaccurate hard inquiries showing on my consumer report ; it has greatly damaged my credit worthiness and ability to access extensions of credit. 

This second postage was sent certified mail with return receipts requiring adult signature as well just like the first one. The tracking number is XXXX.
Product: Payday loan

Borrowed {$800.00} from Red Rock Lending, the XXXX was not disclosed and it was 849.0116 %! I had scheduled automatic drafts to come out of my bank account in the amount of XXXX. And after the last draft came out to cover my loan amount, they continued to draft and I have to stop payment on them. This was last year. I have now been harassed by some company called XXXX XXXX saying that I owe XXXX. They are calling my job and people I know. I have no idea how they got their numbers either. They call me 5 times a day. I have never received any formal letter saying about owing money either from either company. The way the company was talking to me was like a scam and when I asked for formal documentation they started to get defensive and said " guess we will continue to call you everyday '' and " good luck ''. I do not find this to be the typical behavior of a credited company. Please help me.
Product: Mortgage

A department at Cross Country Mortgage LLC has erroneously received XXXX of my XXXX XXXX XXXXXXXX electronic mortgage payments from XXXX and XX/XX/XXXX that were intended for the mortgage payment department. I was informed by the Cross Country Mortgage payment team on XXXX XXXX XXXX that my XXXX payment had not been received and subsequently had to repay the XXXX payment again. My XXXX payment that was prescheduled could not be canceled as it was in process on XXXX Payments and Invoicing feature, and subsequently also went to the XXXX address as I sorted out where my initial XXXX payment was. XXXX  confirmed that my Payments and Invoicing bill pay for XX/XX/XXXX and XX/XX/XXXX mortgage payments were sent to XXXX XXXX XXXX, XXXX, OH XXXX, which is a Cross Country Mortgage Address, but I have now learned are not the mortgage department that was intended to receive the payment nor have they transferred my funds. I contacted Cross Country Mortgage on XX/XX/XXXX talked to Customer Service, and again on XX/XX/XXXX only via their email-only contact with the Research Dispute team to request locating my funds and dispute that I had missed a XXXX payment. I made Cross Country Mortgage aware that {$7200.00} had been sent from XXXX and processed by the third-party, XXXX, with the information they incorrectly provided XXXX and that they owed me a refund. 

I also disputed the payment with XXXX to no avail and they declined my XXXX disputes on XX/XX/XXXX. I then submitted yet another claim to Cross Country Mortgage on XX/XX/XXXX and have been told I can't get a response until XX/XX/XXXX. Unfortunately, it has been brought to my knowledge that Cross Country Mortgage is transferring my loan to a new servicer and the transfer will be complete on XX/XX/XXXX, so I fear I will have to start the entire dispute process all over again, which I would very much like to avoid. 

XXXX XXXX  XXXX has provided me with reference IDs for the XXXX and XXXX payments that I have already provided to Cross Country Mortgage. The electronic payments were submitted as XXXX. 

XXXX reference id : XXXX XXXX reference id : XXXX XXXX confirmed the address for the electronic payments was sent to XXXX XXXX XXXX, XXXX, OH XXXX, which is a Cross Country address/property and it was also listed on XXXX as Cross Country Mortgage LLC . My mortgaged funds were received by a Cross Country Mortgage XXXX XXXX XXXX account number ending in - XXXX and routing number XXXX. 

I have been trying to get these funds returned since XXXX and would like this matter resolved.
Product: Credit reporting or other personal consumer reports

I reviewed a detailed copy of my credit report and noticed a host of inaccuracies. The account below is not mine. 

XXXX XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
Product: Credit card or prepaid card

I opened a Southwest Chase Rapid Rewards card in early XXXX XXXX. During this time period I have emails with overlapping promotions. The first being what I thought I was receiving- a companion pass and XXXX Rapid Reward Points if you spend {$4000.00} in a 3 month period. What I received was XXXX points for spending {$1000.00} in a 3 month period. 

I have contacted chase multiple times regarding this issue with no resolution. I keep getting told I will hear back in 10-15 business days with no one I can physically talk to. After a little over a month of this back and forth I called one last time. I explained that I have a flight to take in one week and need a resolution. The response was I will hear back in 14 days.

I filled a complaint with Chase today and inquired when I would get a response and was told that legally they had to accept complaints but did not have to follow up them.

Frankly, Im shocked Southwest would want Chase representing them. Southwest is known for its customer service and Chase hasnt even attempted to solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have incorrect amounts, that are and have been paid in full, on my credit report. XXXX and Equifax have been notified of the inaccurate information at least 4 times for the XXXX collections account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX collections, after paying off the account over 45 days ago, XXXX duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. XXXX removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX Collections account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that XXXX could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies XXXX taking on average of over 4 months to correct inaccurate information. This in no way justifier XXXX purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that XXXX and Equifax are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If XXXX and Equifax have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are XXXX and Equifax currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX  account on my credit report. Who has recently stated all information is accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., credit bureaus are required to ensure that all information reported is accurate, complete, and verifiable. The information reported by TransUnion and Equifax regarding this account is inconsistent and appears to be manipulated, which is a violation of the law.

Discrepancies in Reporting : 1. Status Update Date Manipulation The status updated date differs across the credit bureaus, reflecting XX/XX/XXXX on TransUnion and XX/XX/XXXX on Equifax. Updating this date in an attempt to extend the reporting period of a negative account is illegal and violates F

CRA 1681s-2. 2. Last Payment Date Mismatch The reported last payment date is XXXX XXXX XXXX on TransUnion and XXXX XXXX XXXX, on Equifax, whic
h raises concerns about data accuracy.

3. Balance Update Date Inconsistencies The balance update date differs across reports, making the information unreliable. 

These inconsistencies suggest unlawful re-aging of the account, which is a direct violation of the FCRA and an attempt to keep the negative account on my report longer than legally permitted. This deceptive practice is illegal and actionable. 

Legal Violations : FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Data furnishers must provide accurate information.

FCRA 1681i ( a ) ( 5 ) ( A ) : If a disputed item is found to be inaccurate or unverifiable, it must be deleted.

FCRA 1681c ( a ) ( 4 ) : Negative accounts must be removed after 7 years from the original delinquency date.

FCRA 1681s ( a ) ( 2 ) ( A ) : Any entity knowingly reporting false information may be subject to civil liability.

Given the clear evidence of inaccurate and inconsistent reporting, I demand the immediate and permanent deletion of this account from my credit report. Failure to comply will result in legal action, including complaints filed with the Federal Trade Commission ( FTC ), and potential legal counsel.

I expect written confirmation of the deletion within 30 days, as required by the FCRA.
Product: Credit card or prepaid card

I discovered an unauthorized charge on my  American Express  card in the amount of {$12.00} for an  XXXX   XXXX  membership on   X/X/17 .  I contacted  American Express  and was told that I did not have to close the account but they would place a merchant block so that  XXXX  would no longer be able to charge my account. The same charge appeared on   X/X/17 .  I called again and was told that I should close the account and open another one. I inquired about the merchant block and was told that with memberships, they continue to be charged even after an account is closed. I asked how the issue can be resolved since the unauthorized charge is for a membership. I did not receive a satisfactory answer. I later received an email stating that an account number that I did not recognize was charged for {$12.00} for the  XXXX   XXXX  membership. When I called  American Express  again I was told that an old account that was closed many years ago was accessed and the charge got processed through that account and then bounced to the new account. I explained that many years ago I did close an account due to a security issue. I was told that it was not closed properly. At this point I have been told on the phone by various  American Express  representatives that all of my accounts are closed as I had requested at this point but I continue to receive email that contradicts that information. I contacted  American Express  headquarters in New York and was advised to send them a letter. I sent them a certified letter on Saturday,  XXXX   XXXX . I called today after having received an email that seemed to indicate that there is still an open account and I was told by staff in their legal department that someone would call me eventually but would not give me a timeframe. I have spent many hours on the phone talking to many American express representatives. Several calls have lasted  1 to 2 hours  in which I was transferred to numerous representives. Some of the representatives have been in the US and some have been outside of the US. Some of the phone connections have been OK but some have been extremely poor. There has also been a language barrier with numerous representatives. Overall this experience has been extremely time-consuming and inefficient and is still not resolved. To clarify, while I have had an  American Express a ccount, I have been the only authorized card holder
Product: Debt collection

The company listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close