23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Set up payment with Mr. Cooper in XX/XX/year>. Had two payments taken out at once to set up biweekly payment. Checked account in XXXX & found I had late payment, likely damaged credit. Attempted to talk to someone in person at Mr Cooper but unable related to challenging phone options. Paid & set up payment but only once a month, not the way I intended
Product: Debt collection

On XXXX XXXX, XXXX we received a letter from Transworld Systems , Inc. stating their records indicated we owe a balance of {$210.00} to XXXX XXXX XXXX Support for a medical bill incurred for our son. On XXXX XXXX, XXXX we phoned Transworld and requested written verification of this bill. On XXXX XXXX, we contacted the XXXX provider and were told no such balance was owed on this account, nor any other XXXX account. Transworld mailed us a copy of our statement from XXXX reflecting that a {$210.00} charge was incurred on XXXX/XXXX/XXXX. It also clearly states at top and bottom of statement that patient balance is {$0.00}. However, their correspondence does not address the balance, nor indicate that their attempt to collect this payment, is no longer being pursued, as a result of reviewing our provider 's statement. We are requesting that this agency immediately withdraw and cease this collection attempt and wrote a letter to the agency with a copy of our medical bill statement on XXXX XXXX, XXXX. As of today, we have not received a response. I am mailing a second copy of our original letter to Transworld again today. We would like written verification that this collection attempt has ceased as a result of updated and accurate information. We do not wish to see this false information fraudulently reported on our credit reports. Any assistance you can provide in resolving this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Credit reporting or other personal consumer reports

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following XXXX accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Product: Debt collection

Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. 

I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of  {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. 

As a veteran of this great country I am asking for your help in resolving this debt issue promptly, thank you.
Product: Checking or savings account

On XXXX XXXX I transferred fund to XXXX to my brokerage account, I got notification from Chime indicating the direct debits Had been completed. A few days later I got notification from XXXX that no funds had bee recieved to my account accept the smaller {$10.00} deposit I made 4 days after the larger deposits. Chime says the money has cleared XXXX XXXX but my records indicate different which has caused me a deficit to my brokerage account. A direct debit is suppose to be immediate, I am not sure what is going on here but this is not right. I tried to remedy the situation with Chime they stated there was a reversal.which should have never happened because there was no point in which funds were not available. # XXXX. I placed a dispute with chime back on XX/XX/XXXX sent in proof as of receipt and receipt from other company toe prove claim, chime stated it would be XXXX, after the XXXX was up I got any message stating it would take up to XX/XX/XXXX, this is not right. How can I file an FDIC insurance claim on my account since I have incurred damages due to the fault of Chime. I have asked Chime this many time and they will not answer my question. This is fraud please help
Product: Debt collection

I am sending this letter to Comenity Bank because I am formally asking them to remove the cease and desist, they applied to all my valid accounts. 

the cease and desist was only supposed to be applied the account that was listed on the letter which was the XXXX account. 

This letter is asking that they remove all holds from all my valid accounts and only apply the cease and desist to XXXX account and remove from all other accounts, because they are valid, and payments are made on them monthly and are all in good standing.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. This must be removed from my report.
Product: Mortgage

To whom It may concern I feel that the Lender purchased our property at a nonjudicial foreclosure sale, there by violating Civil Code section 2923.6, the prohibition on " dual tracking '' contained in the Homeowners Bill of Rights when they conducted a foreclosure sale of my property while the loan modification application was still pending. If you need any other information needed will be forwarded. 


Yours truly, XXXX XXXX
Product: Debt collection

I see an account on my credit report that was sent to collections and I have never had an account with this company and i do not owe this balance. This was done without my consent and I have never given authority to start an account in my name with this company
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my Credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal laws and my rights as a consumer.
Product: Credit card or prepaid card

I received a Square Debit Card today ( XX/XX/26 ) that I did not apply for. It came under my name to my home address. The included info says it was issued by XXXX XXXX. I have tried several times to reach fraud support with no luck. I need this card closed out as fraudulent immediately.
Product: Mortgage

I have a mortgage through Greentree/Ditech. I have paid on it for 20 years. The original loan was for {$24000.00}. They are now saying I owe {$7400.00}. I believe this loan should be paid off. I am recovering from a XXXX and no longer able to work. i have to live on my SS XXXX which is only about {$1100.00} A month. I hope and pray you can help me with this awful company.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and anger regarding the recent findings of inaccuracies in my credit report. Upon conducting an investigation, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). This negligence on your part has not only caused me severe emotional distress but also jeopardized my financial well-being. 

I demand immediate action to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence sent to your agency for your reference. 

Failure to address these issues promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX Unauthorized charges successful icon
Product: Debt collection

Original full account number Need to provide original contract Need to provide a consent form from me stating I gave you permission to receive my data or social from original creditor. 
Need to provide a wet ink signature from me on the original contract! If midland credit can not provide these documents I need the reporting account to be removed from XXXX, XXXX, XXXX ASAP
Product: Credit reporting

I have an unauthorized Fraud Alert on my account, I am attempting to refinance my home, but per them f the finance company will not approve my loan. 
Will you please remove the Fraud Alert. Thank you.
Product: Debt collection

Midland credit contacted me about a credit card debt that was XXXXischarged. I told them it was not my debt and I had resilient it with the credit card company. They continued to harass me after phone calls where I requested to be taken off their call list because the debt was not mine. They took me to court without any summons or notification of court dates and was awarded a judgment because I was not present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX  but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
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. Account name : Account Name XXXX XXXX XXXX # XXXX {$410.00} Account name : XXXX XXXX {$520.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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.
Product: Debt collection

This number has been calling me no less than 7-10 times PER DAY for WEEKS on end, including early mornings, weekends, and national holidays!! From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it called my personal cell phone OVER 25 TIMES, starting at XXXX and continuing well into the evening. 

When it connects to my voicemail, the message left is always blank air. Usually, they dont even leave a message. This incoming number displays as XXXX XXXX ( or SPAM RISK, depending on which of my app filters it ) on my caller ID logs and on my apps that filter out SPAM and Robocalls. This number is one for Synchrony Bank and is used for collecting past due payments for PayPal Credit. 

I have a PayPal credit account, but my account is active and NOT PAST DUE!!! Ive spoken to PayPal credit and Synchrony Bank about this erroneous, DAILY HARASSMENT, and even after allegedly stopping the calls on their end and deleting my phone number from my account, I AM STILL RECEIVING DAILY CALLS!!!! 

This number needs reported to the FTC by EVERYONE who is being harassed by them ; people need to do so immediately. This constant calling is well-past harassment, is illegal, and they should be served with a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX XXXX XXXX XXXX it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all 3 bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!
Product: Debt collection

I do not owe XXXX XXXX a balance {$420.00} XX/XX/2014, which was falsely reported on my XXXX report. This is a fraudulent request and doesn not belong to me.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased two pieces of furniture and the service to have them assembled and installed. In the course of installation the technician caused intentional and extension damage to the wood floor of the bedroom where the work took place. It was apparently out of frustration for having to work alone on the day in question, whereas he typically has an assistant to support. The cost of replacing the wood floor exceeds the value of the furniture and services purchased. The merchant was unhelpful and refused to acknowledge the behavior of their employee. I disputed the charge with my credit card provider in order to recover the funds and use them towards the replacement of the wood flooring. The credit card provider, Chase Bank, concluded in favor of the merchant without performing a proper investigation. On XX/XX/2019 Chase informed that they had completed the 'investigation ' and determined that the charge was valid because " We can't confirm you're due a credit because we don't have a 2nd opinion letter from a different merchant showing how much it would cost to repair your damaged wood flooring. '' Chase had never requested such information in the course of the 'investigation '. I called Chase to inform the Disputes Department of that fact, and I was told that the case would be re-opened so that a proper investigation be performed. Subsequently, on XX/XX/2019 I received a letter stating once again that the investigation had been concluded, but the reason had simply been adjusted to remove the claim of 'missing information ' that had never been sought. ( All relevant letters are attached to this statement. ) This is highly concerning that a major credit card provider is feigning the handling of dispute investigations and finding in favor of retailers without seeking the necessary facts from the consumer. I have made repeated requests to Chase to re-open the dispute and receive the information needed to make a reasoned judgement. Chase has refused to do so, and does not appear prepared to receive information on the consumer side of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO CHEXSYSYTEMS,  XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Product: Payday loan, title loan, or personal loan

I sent an ACH Revocation to AF247 on XXXX via email ( XXXX ) and via fax, in which I revoked my authorization allowing this company to make debits to and from my bank account. I sent this revocation letter to my bank as well. The reason for the letter is that I currently can not afford to make their interest payments, which is 90 % of my paycheck. I had asked AF247 to freeze or suspend my account so that no further interest would be charged, and I make payments to my principal. They refused, and stated that I could make smaller payments every two weeks, but could not tell me if the payments would be for principal or for interest. On XX/XX/2019, I discovered they processed an ACH payment, which put my account in the negative. They did NOT have authorization to debit my account. I also found out today that another transaction was initiated by AF247, but the bank returned the payment, which lead to another bank charge. Neither the XXXX or the XXXX transaction was authorized. I spent nearly 45 minutes on the phone with AF 247 on XXXX, only to be told that they had to research and would call back that day. They still have not called back. 

I am concerned about their blatant refusal to honor my ACH revocation, and I am also concerned as to why they could not tell me if the bi-weekly payments would be applied to the principal amount or interest. The interest is at a mind-boggling 360 %, and I am not sure if this is ok. I'd like them to be investigated if possible.
Product: Mortgage

I bought a house a could n't really afford. I never made a payment. When I was 3 payments behind, I sold the house. It sold for substantially more than I owed and even th the late fees, etc. were covered by the sale. The day it closed, a collection person from the mortgage company called to say he would not accept the payoff funds unless I came up with an additional {$1200.00} THAT DAY. If I did not, he would reject the payoff funds and begin foreclosure proceedings. I paid that amount through the escrow agent and the sale closed. A full 10 days later the mortgage company filed foreclosure on the house, naming me AND THE NEW OWNERS as in default. I was able to get the trustee agency to close the file, but not before it was reported to all XXXX credit bureaus on my credit report that I had an ongoing foreclosure. My attorney wrote them and demanded the foreclosure be removed from my credit reports, along with the XXXX late payments as they had been paid in full. To my knowledge, they removed the foreclosure from XXXX of the XXXX credit bureaus, and 2 of the late payments. My understanding is that XXXX still shows the foreclosure and 4 late payments.
Product: Debt collection

This collection account refused to validate my account. I sent documentation they ask for in order for them to send validating paper to me and they sent letter saying they do n't have time to validate collection account. Document of letter of what they sent me
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over XXXX years. It has come to my attention that Equifax has violated my rights by reporting incorrect information across multiple platforms, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of XXXX. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING.

Equifax 's failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXX XXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 corrected : XXXX XXXX XXXXXXXX Balance : {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been like the 5th time I have accounts and other info on my credit report from identity theft. I have submitted a police report to all three credit bureaus, froze my credit, and filed claims with them directly and not only is there still fraudulent Info still on there but someone has been able to get another account on my credit fraudulently even after I put the fraud alert on it. There is now an account from XXXX XXXX XXXX  that was open in XXXX of 2021 and incorrect reporting of late payments on the mortgage I had with XXXX XXXX when they were not late but on forbearance. I am tired of these bureaus not doing the proper investigation to remove fraudulent accounts and errors and still allowing it to happen.