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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : 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 auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a personal account opened at XXXX XXXX  on XX/XX/XXXX with personal loan account number XXXX an a personal account 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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

I reviewed my Consumer Report and noticed that i had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

I had an XXXX at XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I thought my insurance had covered everything. I never received a bill from the XXXX location. 

In checking my credit report online in XX/XX/XXXX, I saw an unknown debt to a " Continental Credit Control ''. I called XXXX   to dispute when they informed me that it was related to an XXXX. I called the XXXX location and they told me the debt had been sent to the collection agency Continental Credit Control. I never received any phone call or notice in the mail from the collection agency either that that there was an outstanding amount owed. 

My frustration is that the original bill was only {$190.00}. I have worked hard my entire adult life to have a stellar credit score.  Now at age XXXX, when I am finally close to buying a property for the first time, I learn that my credit score has been negatively affected by a bill I knew nothing about and would have paid promptly had I been aware. 

I find it outrageous that the XXXX location and the debt collector can take all these actions that negatively affect me in such a profound manner without ever confirming that I even knew I owed the money. Shouldn't someone have at least called me? Or sent certified mail?
Product: Mortgage

Good evening. 

My Fiance and I have been mortgage holder to a loan being services by Seterus , inc . Through the course their servicing the loan we have experienced instances where there were over payments to the account through payments into escrow, when we inquired about an analysis of the file, Seterus would either stall or not call us back. 

We were on a plan to refinance our mortgage, one month there was an oversight and the payment was not made on the due date. When we logged into the system to make the months payment we realized it and made the double payment. Seterus did not contact us by call or email to let us know that the payment was not received. When we pressed on about the amortization of the loan, they sent us a check for XXXX with no letter explaining why there was so much money in the account. 

Our position is that seterus prays on the loan holders and works it so that refinancing is not possible due to the late payments, this is predatory and a unfair practice. If there is an overage, why did they report us to the credit bureaus. 

We filed a complaint with the better business bureau and the Florida State attorney. 

Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm submitting this request because it's been over XXXX weeks since I sent my letters out to BUREAU. I haven't received any response at all either written or verbally.
Product: Debt collection

XX/XX/XXXX, I called to Ditech and stated that my XXXX-year-old Son was killed after being struck head-on by an off-duty police officer who was driving recklessly on the wrong side of the highway. During that time, I was satisfying final expenses ; and requested a payment extension. The Ditech Rep stated that they would forward me the paperwork for the request. 

XX/XX/XXXX, I received a plethora robo phone calls from Ditech requesting payment for XX/XX/XXXX and XX/XX/XXXX payment, ; and with every single phone call, I had to agonize over the pain of explaining to them about the death of my Son. I asked them was it possible to log the information I provided them, in an effort to avoid constantly repeating, my XXXX year old Son was killed in a car XXXX  and Ditech is working on extending the payments. However, to no avail, I had to continue to endure this suffering because no one bothered to take the proper steps necessary to accurately notate the account, and actually read it prior to calling me. 

XX/XX/XXXX, I accessed Ditechs online mortgage payment system to make two separate payments for {$690.00} each, for XXXX ; however, Ditech debited my account twice for {$2600.00} each time, for a total amount of {$5200.00}. I immediately called Ditech to make them aware of this error, and I was told by Ditechs representative that there was nothing that she could do about a Web payment glitch, and I would have to go to my financial institution and have them to perform a stop payment in order to reverse the charges and to get my money back. After the payments were returned to my account, I went to the USPS and purchase two money orders for {$700.00} each, for a total of {$1400.00}, with each {$700.00} money order labeled payment for XX/XX/XXXX and XX/XX/XXXX,  respectively. Within the same month, I purchased another money order for {$700.00} for XX/XX/XXXX payment ; which clear all outstanding payments. 

XX/XX/XXXX thru XX/XX/XXXX, I have purchased money orders for {$700.00} which exceeds what is actually owed each month, and from XX/XX/XXXX to present I have continued to received harassing phone calls and letters of threat to take my home due to an unforeseen tragedy in my life, a glitch in Ditechs online mortgage system, and incompetent and insensitive Ditech employees. 

XXXX, XXXX, and XXXX were the only competent and compassionate employees out of the 50 or more of the Ditech employees that I spoke with that could identify the problem within their system, and could see that payments were being made. Further, I was told not to worry about it, the problem would be resolved, and the Ditech Rep apologized profusely on behalf of Ditech. Unfortunately, noting has changed. I continue to be harassed and threatened with letters of foreclosure for Ditechs mistake.
Product: Mortgage

I am in the process of my modification. I submitted all documents. Without warning they put a sale notice on my door.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and financial harm. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Our loan was paid off in XX/XX/XXXX. On XX/XX/XXXX, our regular monthly payment was debited from our bank account by Rushmore Loan Servicing in error. We called on XXXX to get a refund and was told that it would be sent out ASAP. That was a lie. We never received anything and I called again on XX/XX/XXXX. I was told they needed proof of funds from our bank statements. While that doesn't make any sense, I did it anyway in an effort to expedite the process. The gentleman I spoke with said it was approved, checks are cut on Fridays and mailed out, so I would be receiving the check the week of XX/XX/XXXX. We never received anything. I called again today, and after being transferred to about 5 different reps, I was told that the first check needed to be voided, which takes 5-7 business days, and then a new check would be sent out. This means after being paid in full for a loan, Rushmore has stolen {$2500.00} from my family for over 4 weeks with no end in sight. I have no confidence that this money will ever be seen again.
Product: Prepaid card

I attempted to purchase multiple different items online using my AMEX gift card. No website works. I tried purchasing items that were less than the amount on the card, still doesn't work. 

I am afraid to try and use it in a store and the same thing happen.
Product: Debt collection

On XX/XX/XXXX, {$180.00} debt collection was placed on my XXXX credit report. I have not received written or phone notification that a debt was issued for me to dispute.
Product: Money transfer, virtual currency, or money service

Paypal has kept me from accessing my money even after waiting for 180 days. I have provided all the documents I had like they asked and they promised that I would be able to withdraw the funds after the 180 days, but they still block the funds. I try to call, they don't pick up, I message them, they don't answer. I need the money real bad! Please Help me. I've been trying to resolve this issue since XX/XX/2020. 
My Paypal account is : XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Public Law 73-10 states all debts public and private are obligations of the government. 
In addition " And because you have my social security number, what is legally taking place is a trust action- with me as the beneficiary and with XXXX as the trustee. As the trustee, you are the authorized representative of XXXX that has the fiduciary obligation to act in a way that will benefit me, the beneficiary. However, your company is in violation of trust laws as your corporation is accepting my electronic funds transfers personal checks as payment while also redeeming the coupon which is receiving double the payment for the same obligation and that is a crime. This is malfeasance, a violation of trust law and may be reportable under the Sarbanes Oxley.I am indeed without a doubt the beneficiary of the social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you the corporations and agencies involved are the trustee with a fiduciary responsibility/obligation to do whats best for me the beneficiary.The are also in violation of the FCRA and the FDCPA as well as other Uniform Commercial Codes.They also verified accounts and closed my previous disputes without a reasonable explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following information XXXX supplied to Transunion, XXXX and XXXX. The XXXX account shows as Derogatory for 30 days in XX/XX/XXXX. 
This item on this account is inaccurate because this loan was transferred from Primary Residential Mortgage to XXXX Bank, effective XX/XX/XXXX and Federal law states XXXX  can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). This information is also stated in the XXXX welcome letter ( see enclosed welcome letter ). 
On XX/XX/XXXX I closed on the mortgage loan with Primary Residential Mortgage and set up automatic payments to XXXX to start XX/XX/XXXX in the amount of {$3900.00} per the enclosed XXXX  First Payment Letter and Payment Coupons. XXXX received the first payment on XX/XX/XXXX, which is within the allowed grace period, and forwarded the XXXX payment to XXXX. XXXX received the XXXX payment on XX/XX/XXXX from XXXX and treated it as 'unapplied funds '. 
XXXX received a XXXX payment on XX/XX/XXXX and forwarded on the payment to XXXX. XXXX called me and informed me that I had a new servicer and new place to send payments. I was given the number to contact XXXX. On XX/XX/XXXX I called XXXX to get my account information and to update my mailing address. 
As can be seen in the account notes, I spoke with XXXX and she confirmed two amounts had been received from XXXX but they were not applied to the loan correctly and were considered unapplied funds. We determined the payment amount had increased with the loan transfer based on an increase in the home owners insurance premium. 
On that call on XX/XX/XXXX, I made a payment over the phone in the amount of {$650.00} to complete the two full payments, {$320.00} to be added to the XXXX payment and {$320.00} to be added to the XXXX payment. As of XX/XX/XXXX the account was up to date. 
I have requested numerous times that XXXX Bank have the derogatory item removed as Federal law states XXXX can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). Additionally, XXXX states on the website : You will not be charged a late fee for 60 days, and we will not report your account as delinquent to the credit reporting agencies during the first 90 days following your loan transfer. 
XXXX reported my account in XXXX as 30 days past due which does not comply with Federal law or the XXXX policy for mortgage transfers and this has wrongfully impacted my credit. 
I have and can provide copies of the derogatory item on my credit report, the XXXX First Payment Letter and Payment Coupons, the record of payments made to XXXX, the Welcome Letter I received via email on XX/XX/XXXX, the XXXX 90 day mortgage transfer policy, the legal statute of mortgage servicing transfers, and XXXX  account statements from XXXX, XXXX & XXXX showing the payments received but unapplied which support my request.
Product: Debt collection

I already items already deleted off my credit report camelback under a different creditor I would like this removed this is illegal
Product: Credit reporting

I applied for a new service with XXXX on XXXX XXXX, 2016. I requested that they not pull my credit report, and that I would pay the {$100.00} security deposit to forego the credit check. I have the receipt from XXXX. They still pulled my credit report without my permission. I disputed this information with Equifax, and I was denied because they said hard inquiries are " factual data '' and there is nothing that can be done on their end. I initiated a ticket with XXXX at the end of XXXX, and was assured it would be removed. Ticket # XXXX. I called XXXX XXXX for an update and they said someone was taking care of it from collections and would call me within 24 hours to confirm everything was taken care of. It is now XXXX XXXX and nothing has changed. I called XXXX XXXX, and no one knows why the ticket was closed, and can not provide information as to why the hard inquiry is still on my report. I have the receipt of {$100.00} to show proof of my deposit. XXXX can not access my credit report without my permission. Can I sue under the FCRA? There has to be protection for the consumer. This is ridiculous. I 've wasted more time, and my privacy was violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX, REPORTED ACCOUNT ABUSE on ChexSystems. I had direct deposit every other Friday  on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the ChexSystems.