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

There is 2 debts being reported to all 3 credit bureaus from World Finance. I have disputed these charges. There are 3 accounts and I only had one account with World Finance, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted World Finance about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted World Finance again and spoke to XXXX  on XX/XX/2020 and she informed me that if I pay {$200.00} that World Finance would remove this debt from credit, although this is not my debt, so I sent World Finance a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent World Finance. It still remains on my credit report.
Product: Bank account or service

On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help.
Product: Vehicle loan or lease

Insurance paid A portion of the bill. XXXX  came in and paid a portion of the bill I was still left with {$8000.00}. I asked for a settlement and they told me they couldnt give me a settlement so Ive been paying {$530.00} a month so my credit wont be affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX # XXXX reporting is INCOMPLETE. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INCOMPLETE. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is both INCOMPLETE and INACCURATE. 
Experian has XXXX 's 'Terms ' as XXXX  months although the term is XXXX months. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) US Bankruptcy CT public record Identification # XXXX is INCOMPLETE. 
A letter is missing from the XXXX XXXX number. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Product: Credit reporting or other personal consumer reports

Credit control services has placed a debit on my credit for {$1400.00} that i have no knowledge about i have consulted them i have also had a XXXX party consult them to no response XXXX XXXX XXXX has placed a debit on my credit for {$1900.00} that i have no knowledge about this account nor have i ever lived at the address listed i have consulted them i have also had a XXXX party consult them to no response My credit has been compromised since XXXX and i have put a lock on my credit and have been getting notification that my information is on the dark web multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXXXXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as XXXX and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit with several banks on XXXX. XXXX XXXX  will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. XXXX financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to XXXX XXXX and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.
Product: Mortgage

Ive been off work due to job injury. I spoke to the mortgage company and explained my situation. Ive been off work for three years but was still making my payments on the regular. In XXXX I notified the homeowner warranty company that my pipes burst..I notified the mortgage company also. I had to come out of pocket to make those repairs. The mortgage company has representatives there thats not efficient or reliable to know their jobs. Ive been communicating with them because of the water situation and the leak issues from the air conditioning system. So being that I was on workmen compensation I applied for a modification with the mortgage comp. Since XXXX and I feel as if I am getting the runaround. So I couldnt use the workmen comp income so I kept applying. Now my home is subject for foreclosure and every payment I sent to the it was sent back to me but they were able to keep one payment in XXXX. So I was told that Im 8 payments behind but Im 7 payments. In the meantime I was told by a representative that I was up for foreclosure and my house will be sold if Im not approved again or pay the amount due. But the problem is I cant get a total amount that I need to pay. I really do think that this mortgage company is not trying to help me out with modification. Everytime I send payments they are returned..I think that Im getting the runaround with my mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XXXX of XXXX. Also, they are reporting Lates Starting XXXX of XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Product: Credit reporting or other personal consumer reports

I requested that Experian remove addresses from my credit report that do not belong to me, but they are still appearing. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you have the right to dispute inaccurate or incomplete information in your credit report. Heres a breakdown : Section 1681i ( a ) states that when you dispute information, the credit reporting agency must conduct a reasonable investigation. 
If the agency finds the information is inaccurate or can not verify it, they must delete it from your report. 
Additionally, 15 U.S.C. 1681c outlines the types of information that can be included in credit reports and the duration for which they can appear.
Product: Credit card or prepaid card

On XX/XX/22 a purchase in the amount of {$780.00} was done online at XXXX. The charged posted to my account on XX/XX/22. I did not make this purchase. I contacted Bank of America more than XXXX times to resolve this issue with no satisfaction. They did not follow through on promised return calls, letters or investigations. They have an internal " research and resolution '' team that no outside person is allowed to speak with for status of a lodged claim. I have spoken to " supervisors '' within the organization who told me " mail fraud runs rampant in XXXX  '' and that was why I had not received communication from Bank of America regarding this claim. They have admittedly received XXXX documentation from XXXX regarding this {$780.00} charge and assumed because I have a purchase history with XXXX ( there are no receipts nor purchases on my XXXX account ) that I have made this purchase. I have lost hours of time on hold with this terrible financial institution over this issues.
Product: Debt collection

On XX/XX/2021 I sent a debt validation letter to ERC XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that ERC have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Re : Account # XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports. 

Best Regards XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern : I applied the refinance rate on my original home mortgage through Interfist Mortgage Company. Throughout the entire process, Interfirst Mortgage company misled me that my loan was approved, thus, I was forced to order the appraisal on my house for the amount of {$620.00}. Later on, my loan was denied and I had to pay out of my pocket for the appraisal fees. I have tried to contact XXXXnterfirst to resolve this issue internally many times through emails and voicemail but they ignored my email and my voice mail. My loan was denied due to lenghth of my employment, they should have known from the begin of the process that my loan was not approved due to my employment ( I start the new job ) because of COVID but they didn't say anything, they made me to go through the entire process until the last minutes and denied my loan although I had a good credit history. I had proof that they misled me to order the appraisal. Can you please publish this so other would not have to be on my situation. 

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

EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.
Product: Debt collection

Upon checking my credit report through XXXX and XXXX there is a new debt collection account that I am not aware of. This unauthorized account is from WILLIAMS & FUDGE INC and the creditor is XXXX XXXX. The amount they are stating is {$410.00}. This is unethical and not correct as I do not have any knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct : OFFICE OF THE ATTY GNE I submitted a dispute for an account that is was Closed in 2021 which was Removed from my credit report also and then put back on my credit report without 5 days notice and has not been verified at all I have went so much as sent a validation to the company on my credit report and never received any documents showing my signature for a contract or anything what so ever. On XX/XX/XXXX I filed an dispute on this same account and on the same day they came back saying that the account was verified THE SAME DAY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankrupty XX/XX/XXXX (error) never filed please remove from credit report public records
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reasons and holding my funds for over 2 months now!
Product: Credit reporting or other personal consumer reports

I submitted to have items blocked on my report. 
The Regulations dictate specific time frames within which consumer reporting agencies must respond after receiving a request for blocking 4 business days Block the reporting of any adverse item of information identified by the consumer 5 business days Notify a consumer if additional information is necessary for the purpose of completing the submission and attempt to resolve any deficiency in the consumer 's submission I have not receive anything and the items are not blocked. This is in violation section 605C of the Fair Credit Reporting Act for human trafficking survivors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reported XXXX XXXX to this institution consumer finance and to XXXX  XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  XXXX  and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on XXXX XXXX. This is outragous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Phone : XXXX XXXX : XX/XX/year> SSN : XXXX Round XXXX Data Breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than XXXX days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to reflect a payment or a credit issued to me properly. ( 5 ) Computation Error : The creditor 's statement has a computation error or similar accounting error. Since the creditor did not notify me XXXX days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXXXXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Product: Debt collection

We Defaulted on our car lease payment in 2018 because the Nissan dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain XXXX XXXX, XXXX contact us in an effort to collect the debt. And at this same time this NISSAN-INFINITI LT went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud
Product: Student loan

XX/XX/XXXX they took a payment out my account where they stated that my payments would be reduced to XXXX dolllars XX/XX/XXXX I called navient and they said that customer service got the payments wrong and the payment would be increased XXXX. 

They have gotten payments wrong on several occasions between XXXX and XXXX.
Product: Mortgage

My former loan servicer, XXXX XXXX and/or XXXX XXXX XXXX  XXXX XXXX ) XXXX endorsed and cashed an insurance claim check # XXXX in the amount {$42000.00} that was paid out by my homeowner 's insurance carrier XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, the insurance claim was related to damages associated with XXXX XXXX. I was not made aware of this claim initiated. 

The insurance check received included my name as XXXX of the payees. The check cleared shows that it was endorsed by a " XXXX XXXX XXXX '' with either M & T Bank and/or XXXX XXXX XXXX XXXX XXXX XXXX. The check cleared XXXX XXXX XXXX on XX/XX/2023, however I never received these funds. XXXX XXXX XXXX  knowingly cashed a check bearing my name without proper authorization, constituting an act of check forgery. 

I sent certified mail letters to XXXX and M & T Bank on or about XX/XX/2023 requesting all documentation related to the Citizens Property insurance claim, but to date, I have not received a response to these letters nor have I received the insurance claim funds. 

Furthermore in late XX/XX/2023, it appears that M & T Bank realized what may have happened and began altering my payment records. Apparently the insurance claim funds were applied to my loan balance without my knowledge. The misrepresentation of mortgage loan transactions led to falsified and inaccurate payment history. This deliberate manipulation of records mislead me about my actual payment obligations and affected credit ratings and financial standing. 

The evidence presented demonstrates a clear pattern of deceptive practices by XXXX XXXX XXXX  XXXX M & T Bank, including check forgery and deliberate misrepresentation of mortgage loan transactions and payment history. These actions not only breach fiduciary duties but also violate established consumer protection laws.
Product: Credit card or prepaid card

I received a notice of credit adjustment from Citibank dated XX/XX/ 2018 as part of a class action lawsuit. The account in question has since been closed and I was instructed to call the number listed on the letter to get help with receiving my refund. When I called them they gave me another number in order to retrieve this refund from a closed account which led to me being routed to several different departments over several days. Finally the last department I was instructed to call today was out to lunch. I called back as instructed and I waited on hold for about 30 minutes before I decided to use the option to leave a message for someone to call me back. The message stated the mailbox is full and can not accept messages. I cant get a hold of an actual person to help me get my refund issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

From 2010 to present credit services such as XXXX XXXX, XXXX XXXX, XXXX XXXX, is reporting my old accounts with XXXX, Experian, and XXXX on my credit profiles as paid/zero and closed as open. This practice must stop and all the accounts must be deleted. These accounts should not be reported monthly. This fraudulent activity and unfair. XXXX XXXX XXXX XXXX XXXX XXXX  my opportunities for a financial breakthrough with a bank or credit permanently hinders because the fico score, vintage scores and scoring symptoms will not increase but surly to continue decreasing thus keeping my credit in a derogatory and negative status along giving future creditors negative reports on my credit profile.