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

I have been having this issue since XXXX of this year and have called the XXXX XXXX XXXX about 15+ times to get my credit information correct. I am told one thing over the phone and my credit report never shows the fixed solutions I was told. I also filed an earlier compliant with the Consumer Financial Protection Bureau on XX/XX/XXXX and the credit report was fixed for one month and afterwards it went back to showing incorrect payment status and account status. On XX/XX/XXXX is when my credit report is supposed to show my only late payment with this account ; however, my credit reports are showing I am 120+ days late and my status being late and not current. I provided with the XXXX XXXX XXXX  my enrollment during school and they will put my account into deferment since I am in school and told me they will fix the incorrect information, provide to the credit bureaus up-to-date accurate information regarding my account status and late payments. None of this was fixed and I have open multiple disputes with Experian to get my information fixed but they said they were given the correct information and sometimes, my XXXX XXXX XXXX XXXX account for Experian wouldn't be updated for at least 2 months while XXXX  and XXXX  is updated monthly. I can provide all the documentations of disputing with my credit bureaus and I think it would be beneficial to also pull my call logs and conversation with every representative I have had with the UXXXX XXXX XXXX and it'll provide exactly what I am detailing and the understanding that they were providing wrong information to the credit bureaus. I am very frustrated and anger because my credit report has been incorrect and dropped me 100+ points for about 8 months now. I also recently had a conversation with XXXX XXXX XXXX supervisor XXXX XXXX XXXX on, Friday, XX/XX/XXXX, because I requested for a supervisor, and she fully understood my concerns and said that this issue will be fixed and she will personally make sure of it and sent me a confirmation email advising they will update my information. However, XX/XX/XXXX, I receive a notification my credit information has been updated but updated again with the wrong information and my status of my loan not being current and my payment being 120+ days late. This has been going on for months now and I really need the Consumer Financial Protection Bureau to hold this company accountable for false information and not updating my information monthly and accurate to all credit bureaus. Experian til this day says they haven't received any information from the XXXX XXXX XXXX XXXX on my loan and it's been since XXXX since it has last been updated. Also, the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has all information provided to them that proves everything above and I also have correspondence between us that also proves my point. My credit reports should only be showing a late payment for XX/XX/XXXX and everything afterwards I have provided to the XXXX XXXX XXXX that I was enrolled in school and should be current and in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX, XXXX , Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX, Account # # # # # # # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have a garnishment by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX who is collecting a past eviction debt for XXXX XXXX XXXX. XXXX XXXX XXXXXXXX has been collecting this debt since XX/XX/2019. National Credit Systems is a collection agency collecting a debt for XXXX XXXX XXXX  as well, which is the same debt. NCS is reporting a balance of {$4500.00} on my credit report for this debt and XXXX XXXX XXXXXXXX is collecting $ XXXX/ Court documents. {$1900.00} has already been applied to this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but NCS is reporting on my credit report this same debt as {$4500.00}. I contacted the law firm who stated they have NO affiliation with this agency. I contacted NCS who stated they have NO affiliation with XXXX. The only thing both parties agreed on was not having affiliation with each other. 2 people can not collect on the same debt at the same time. This is illegal. This collection agency needs to take this off my report because I do not owe them anything. I'm court ordered to pay and has already paid 98 % of this debt already. It's bad enough I'm paying this kind of money for 1  month {$700.00} but to pay an additional {$4500.00} to a collection agency for {$700.00} is ludicrous. This debt is causing financial distress and undue hardship and needs to be removed from my report.
Product: Credit card or prepaid card

I received a Debit Visa card in the mail today. It has my name on it and an account number. I did not solicit this card from US bank! This is a fraudulent account. It was sent in the US mail to me. I have not requested this card and I have no need for a card. I am very concerned about the information that is on this card, there is no reason for me to have asked for a card from this company or from the government. I want this stopped!
Product: Debt collection

On XXXX/XXXX/XXXX, I was called by a man who asked if I would be at home on XXXX/XXXX/XXXX at XXXX. I told the man I would not be home as I would be working. The man said he was a process server a nd I was being served. I asked if I could meet him somewhere to pick up the documents, he replied no. I asked him if I could contact somebody and he gave me the phone number of XXXX. He said ask for XXXX XXXX. XXXX XXXX identified himself as an attorney for XXXX and immediately accused me of committing fraud, deceptive practice, and that I would be arrested for a debt from XXXX XXXX XXXX for refusal to pay, that was supposedly taken on XXXX/XXXX/XXXX. I informed him I did not recall any debts of that nature. I asked him why have n't I received any notifications of this debt prior to this call? He said Mailings were sent out but they must have been lost in the mail. I asked him if there was any way I could rectify it? He said the debt was for {$970.00}. He would have to talk to his partners to see if anything could be done. XXXX XXXX told me I could settle the debt for one payment {$580.00} or 2 payments of {$320.00}. I asked XXXX XXXX if they had a website? He gave me the " XXXX '' I asked if I can receive a mailed copy of the debt and receipt of payment, he said sure but he would send me an email if I made a payment immediately. After receiving an email. with the letter head of ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX ) I called the number and inquired about the debt. The receptionist did not have any records of me owing the debt. I asked her if she knew XXXX XXXX and she did not know who he was either. After alittle more research she said call the number on the website as it may be a sister agency. Upon calling it a receptionist answered and transferred to XXXX in house extension. After another conversation with XXXX XXXX and hearing crying from a child and a female cussing in the background. A payment was agreed upon in an attempt to stop the threatening calls to myself and my father ( received a call from this group ). XXXX XXXX transferred me to a number of XXXX, a XXXX number for a company of ZFN Associates ( ref # XXXX ). 

On XXXX/XXXX/XXXX I received phone messages ferom XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As of XXXX/XXXX/XXXX I have not received any mailings regarding this debt or the validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint 1 - Recently, I aquired a copy of my credit report. It indicates I have 6 XXXX XXXX accounts that are closed by credit grantor. I requested proof that these accounts are mine showing my signature. XXXX XXXX and Equifax have not provided a copy of said signature. Equifax continues to send me a credit report indicating the information is correct. By keeping this information on my credit report without proof of signature they are violating FCRA.

Complaint 2 - I informed Equifax that XXXX XXXX is breaking the law by filing a monthly alert on my credit file. I informed Equifax that XXXX XXXX is changing the dollar amount due and filing a new complaint each month. XXXX XXXX is effectivly reaging the account monthly in a malicious attempt to continue to destroy my credit. This is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX, TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied credit from a lender for " too many inquiries '' and later approved. I decided to check all of my bureau reports fo r accuracy (   XXXX ,  XXXX , and   XXXX   ) .The following inquiries were not authorized by me. None of these companies received any identification or authorization from me to pull my credit.     XXXX   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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account is not being reported correctly on my credit report. The date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX I have written letters to XXXX XXXXXXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Product: Mortgage

Stockton Mortgage Company failed and continues to fail to pay our taxes from our escrow account. We called and provided a copy of the taxes to Stockton before the taxes were due. We have called Stockton Customer Service at least once a week since, but Stockton refuses to pay them. It has been close to a month and a half. Interest is growing every day with the XXXX Tax Commissioner. In the meantime, we have continued to pay our mortgage payments on time. We are very concerned about a tax lien on our home.
Product: Mortgage

The mortgage service company Loancare accepted my XXXX payment, but did not credit my account. Despite several phone calls they started sending certified mail threatening foreclosure. I made 3 payments in XXXX, but the notices continued. I have now logged over 30 hours on the phone with this company and provided my cancelled check image 7 times. They repeatedly promise to look into the issue or elevate the issue, but now its been 3 months and they still have my money with no credit to my account.
Product: Credit reporting

I have been HOUNDED by a XXXX collection agency for more than 6 years now. I disputed the collection with Equifax since they keep holding on to and posting this collection against me! NOBODY SEEMS TO BE LISTENING to the fact that this debt and all others were included in a bankruptcy filing in 2009.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX showing up in collection with a balance of {$0.00}. Do n't understand why this was put on my credit report, have n't received any paper work
Product: Debt collection

I was contacted

by Sprint in 2019 about a debt owed, inform Sprint that I was not the one who started the account and everything was resolved. Until recently this 3rd party debt collector Afni contacted me about owing money. They had one guy verbally harassed me over the phone calling me the XXXX. I am so hurt and afraid every time they call my number. Not sure who or what I will get.

This debt was resolved a long time ago, not sure why Sprint sold to Afni.
Product: Credit reporting or other personal consumer reports

RE : You Violated the Unit

ed States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with
each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I have asked Equifax to fix the problems on my credit report and it still comes back the same every time I have sent out letters and contacted them by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 CAPITAL ONE BANK USA99 Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.
Product: Credit reporting or other personal consumer reports

This is one of 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 accounts 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 accounts : XXXX XXXX  and XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Credit card or prepaid card

My identity was stolen and I have no knowledge of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letter multiple times to transunion who contunues to ignore them and remove fraudulent and unauthorized inquiries from my credit report. and I do NOT have an open acct with XXXX XXXX  please remove
Product: Mortgage

Quicken Loans waited a week before closing to tell me my loan had been denied. This was after written approval from Quicken and over {$6000.00} in earnest money, appraisal, Survey and inspection fees. My loan officer XXXX XXXX assured me through out the entire process everything was ok with my loan. Because of Quicken Loans material misrepresentation of my approval I incurred fees to close the loan based on Quicken 's approval process. Worst experience ever!!
Product: Debt collection

Around XXXX XXXX TransUnion notified me of a derogatory account with an alleged debt of {$900.00} from a company by the name of XXXX XXXX and the original company if XXXX XXXX XXXX XXXX that was opened XX/XX/year>. I am not liable for this debt of {$900.00} with either company listed above. I do not have a contract with either company listed above. These companies listed above or TransUnion will not provide me with the original contract as I request with my wet signature and identification verified. This is account is not accurate and can not be verified pursuant to 15 USC 1681i ( a ) ( 6 ) ( BX ( ii ) and other applicable consumer laws.
Product: Debt collection

I have an unverified account from Aargon Agency , Inc . I had previously disputed this account. I have never done business with Aargon Agency XXXX Inc. pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Aargon Agency , Inc. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin. 
6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Product: Mortgage

Hello I refinanced my mortgage in XX/XX/2021 and my new service provider became Home Point Financial Corporation ( a/c XXXX ). In a welcome letter Home Point encourage me to register my account online at hpfc.com where I can among other services schedule my mortgage payments. 
I did so on XXXX XXXX as my mortgage payment is due on XXXX XX/XX/2021. 
While I have no problem registering my account online, my payment capabilities were suspended, not sure why. 
Contacted Home Point on Monday XX/XX/2021, but still was denied without any particular reasons. 
Was offering to pay over the phone, but I was not comfortable to provide my financial information over unsecured phone line. 
The only option is to pay via bill pay through my bank, since I don't have any available checks to send, and since I was intended to added an additional principle payment this will cause a financial harm, not to mention I feel that Home Pint discriminate against me.
Product: Credit card or prepaid card

An AMEX supervisor promised me he would get my complaint reopened ( which he did ) and promised AMEX would reach out to the merchant ( which they didn't ). I told him that if we didn't hear anything back from the merchant, I would close my account. I expect AMEX to be able to get responses from businesses that use AMEX for receiving payments. AMEX closed my case less than 24 hours after the supervisor opened it and they never even attempted to contact the merchant!
Product: Debt collection

This company has purchased a false debt previously owned by XXXX XXXX XXXX. I reported this debt here against XXXX   back in XXXX of this year, 2018. Report number then is XXXX. That company also reported false information to the credit bureaus as did this company, Commonwealth Financial Services. I have called on a recorded line to inform Commonwealth of their error, I have sent certified letters in regards to this debt and I have disputed this debt with the credit bureaus only to have Commonwealth declare the debt to be valid and the derogatory information to remain causing a substantial drop in my good credit status. My next step is legal action if this information reported is not deleted from the 3 bureaus and the debt discarded. This is NOT my debt nor will I ever pay it. I demand Commonwealth to remove my information immediately or face certain legal action. I can provide copies of previous reports showing this debt is invalid while under XXXX  and as well as my previous report and outcome from the CFPB.
Product: Mortgage

Nationstar mortgage is my loan servicer and somehow has failed to make a 2016 property tax payment. I have an escrow established since the on set of my mortgage. Although I 've been told that this was taken care of this is the 2nd delinquent tax notice informing me that my property taxes have not been paid. As previously stated included in my mortgage payment is escrowed taxes and insurance.
I 've already accrued late charges of which I do n't believe that I should be responsible for as a result of this error. Please assist me in getting the attention I deserve. I do not want to loose my home as a result of delinquent property taxes when it is escrowed. This is the first time that this has happen but I am having difficulty reaching Nationstar and getting this resolved timely ( 2nd notice which means they did n't do anything to resolve this matter the first time they were given notice ).