23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX  XXXX
Product: Mortgage

Made contact with a loan company ( XXXX XXXX equity ) to borrow approx. {$1500.00} to pay taxes. Was told the only way was to refinance my entire home and all out standing debt. 

I agreed. However, the day before the final papers were to be signed. I received a phone call at approx XXXX by the rep of this finance company that certain agreements had to changed. ie. the percentage rate to 8.00 % and a balloon payment of {$10000.00}, that changed to {$100000.00} during this phone conversation. 

As time past I soon was unable to keep up with the mortgage payments. Now I am dealing with a housing counselor I really do n't trust. 

It seems I 'm unable to get a straight answer from her. ( during a recorded XXXX way phone call ) I heard the mortgage company say to my housing counselor. " you are not authorized ''. This & paying a law firm over {$7000.00} to help my mortgage issues, has caused me to fall even further behind my mortgage. I was only {$6000.00} behind Now I 'm over {$23000.00} behind and in the process of a home modification that I do not fully understand.
Product: Credit reporting or other personal consumer reports

Experian you are required to report 100 % accurate information XXXX XXXX  acct XXXX written off, did they 1099c with the IRS I did not get a copy of or was it securitized to a bank or trust, World then sold the debt to a third party for full amount on my credit report the BALANCE IS WRONG I'V ask you 5 times for the information and you just say verified you did no investigation in this matter 15 USC1681s-2 { a } { 3 } you have to be100 % accurate, pursuant to the Fair Debt Collection Practices Act { FDCPA 15USC1692g { b } and the Fair Credit Reporting Act { FCRA } 15USC1681s-2. enclose is the same credit report as when i asked you5 times nothing changed So I realize that the CFPB has a legal case against you for just this type of stalling and improper investigation either do the investigation and if balance is wrong remove this account, or remove account its up to you, IF need I will contact IRS to see if a 1099c was used then legal action should be taken
Product: Credit reporting or other personal consumer reports

UPON VIEWING MY CREDIT FILE I NOTICE THAT THERE WAS MULTIPLE FRAUDULENT ACCOUNTS THAT WAS ESTABLISH IN MY NAME WITH XXXX XXXX XXXX XXXX AND SELF LENDER IN OR AROUND THE FOLLOWING DATES : XX/XX/XXXX AND XX/XX/XXXX OF 2022 AND XXXX XXXX PLEASE BE SO ADVISED THAT I HAVE NOT GIVEN ANY ONE MY EXPRESSED PERMISSION TO ESTABLISH THESE ACCOUNTS IN MY NAME THIS INFORMATION IS INACCURATE AND REPRESENTS FRAUD AND IDENITY THEFT. IT FURTHER REPRESENTS A CLEAR VIOLATION OF THE ( FAIR CREDIT REPORTING ACT 15 U.S.C 168i
Product: Credit card or prepaid card

Hello- I am writing in regards to XXXX XXXX practices being levied on me by XXXX XXXX XXXX. I have XXXX XXXX XXXX with XXXX XXXX. 

My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$4300.00}. My minimum payment due was {$71.00}. I made a {$400.00} payment on XX/XX/XXXX. 

My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$5700.00}. My minimum payment due was {$840.00}. I made a {$1000.00} payment on XX/XX/XXXX. 

My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$6000.00}. My Minimum payment due was {$1100.00} because my credit limit on the account was {$5000.00}. I was {$1000.00} over my credit limit. This was because I made a return on XX/XX/XXXX and I had been waiting for a credit back to my account for {$1100.00}. After 2 weeks, I called XXXX XXXX support and they told me they processed the credit back to my XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX told me they did not get the credit back to my account until XX/XX/XXXX. 

I called XXXX XXXX XXXX asked for a credit limit increase and it was denied. 

When I received my XXXX statement, it showed I had a XXXX XXXX of {$1000.00} due. I called XXXX XXXX XXXX Customer Service about the large minimum payment ( {$1000.00} ) due on XXXX Customer Service Representative told me that the Target Credit of {$1100.00} had already been received, and had been processed, which put me below my credit limit and that I no longer needed to make the {$1000.00} minimum payment. She stated she was going to make a note in my files that I did not need to make the {$1000.00} minimum payment because my balance was {$4800.00}. I made a total of {$160.00} payments for the month, similar to what I was paying in XX/XX/XXXX. 

I just received my XX/XX/XXXX statement for billing period XXXX. My balance is {$4800.00} and my minimum payment due is {$1000.00}. I immediately called XXXX XXXX XXXX Customer Service and asked why my minimum amount due is so high. After being left on hold for 20 minutes, the Representative told me she needed to transfer me to a Supervisor. I was place on hold for another 20 minutes. When the Supervisor got on the phone with me, I asked why am I being required to pay 25 % of my balance in 1 month? ( i.e. {$1000.00} of a {$4800.00} balance ). She said that I was supposed to pay XXXX more dollars the previous month and that was being carried over into my current billing period. They also charged me a XXXX XXXX XXXX for not paying the {$1000.00} minimum payment in XXXX- even after they told me I did not have to make that huge payment because the target return/credit covered that amount. 

This organization is practicing predatory lending. 

It is unethical to charge someone a {$1000.00} minimum payment on a {$4800.00} balance. Their Customer Service flat out lied to me, told me they would make a note in my account about the conversation and that I did not have to make a {$1100.00} payment in XXXX because the {$1100.00} return credit covered that amount I would like to file a formal Predatory Lending complaint against XXXX XXXX XXXX and Mini World XXXX. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Conn 's regarding a 2+2 program in which they offered me to pay one payment and Conn 's would match the rest. I called in on XX/XX/19 and was offered three different payment options to get my account back on track. The one I  choice was to pay {$480.00} and the balance of {$380.00} would be cleared up by Conn 's and my account would be paid in full. So I paid the payment via my wife 's bank account and was told that the account would reflect within a few days as paid in full. When it did not reflect we called back and spoke to XXXX ID # XXXX in XXXX XXXX TX and was told that the offline department would have to go back in the back ends and update the information and I would see the update in 48 hours. I have called back once more and was still being told the same thing. I disputed it with the credit bureaus and they are reporting that I owe even more than what was initially told to me. I have been receiving harassing emails from their legal team regarding the account even after I paid what I was advised to pay. They have not held up to the end of their deal and I am exhausted with trying to get them to honor the agreement of paid in full.
Product: Debt collection

Comenity bank had made non stop calls to my phone number now for over the last week for up to six times a day even on Saturday and Sunday and before XXXX XXXX  in the morning, it is non stop harassment and my account is not even 1 month overdue. The calls before XXXX XXXX  in the morning have woken my household up and the calls during the day have even interrupted my work calls while I am on XXXX meetings. I am obviously going to pay my account but I am not going to take this harassment and bullying from this Company, the stress and XXXX these non stop calls cause is not taken lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

GM FINANCIAL XXXX Balance Owed : {$0.00} ; GM FINANCIAL XXXX Balance Owed : {$4500.00}
Product: Credit card or prepaid card

For two months now, I have experienced an issue where I have scheduled a payment in the XXXX application, seen the confirmation screen, and then come back the next day to find that my payment was not processed, and I have been charged a late fee. The first time it occurred the fees and interest charged were waived. I scheduled a payment via web as soon as it became known to me for the full statement balance of the card yet again this month, and when I contacted Barclay 's on XX/XX/22 to ask if there was some place I can report a bug in the application and requested that fees be waived, I received a dismissive response of advice such as " you can schedule a payment up to 10 days before it is due ''. Yes, that is true, but if responsible use of a credit card as a short-term loan is supposed to involve paying the balance in full ( which I have been doing for some time now on this account, I might add ), why would I do so any sooner than I need to? To my point, I was refused a second fee waiver with those unhelpful responses, which did not answer my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # 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 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : open date XX/XX/XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX : open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax All these accounts are fraudulent due to identity theft I have sent police reports and affidavit to Equifax, XXXX XXXX and XXXX  Equifax is the only company that has not removed fraudulent accounts from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE XXXX XXXX HAS RUINED MY CREDIT. I was told that there is a derogatory report from XXXX XXXX on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to RECEIVABLES MANAGEMENT C because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

I have a credit card with Capital One my minimum payment is {$25.00} and it's due on the XXXX first time I went to make a payment at the website using my debit card I was told I can only make a payment using my checking account and after that the next payment I went to make I made it on my due date the XXXX they charged me a {$25.00} late fee because they said I had to make it before XXXXXXXX XXXX I had no clue I had to do time I know I had to do date same thing happened again this time they charged me a {$40.00} late fee they credit the {$40.00} late fee XX/XX/XXXX I made the minimum payment of {$25.00} on the XXXX and before XXXX they charged me another late fee of {$40.00} because now they saying I didn't make the minimum payment they're adjusting my minimum payments in late fees for month to month
Product: Debt collection

I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Procollect Inc ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge, as a result of identity theft. After receiving this information via a certified, registered and tracked letter ( Procollect Inc ) continues to report the unknown fraudulent account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$680.00} ). ( Procollect Inc ) did not respond to my request either.
Product: Mortgage

The collection agency ( Seterus ), failed to advise me that my mortgage statement would be mailed to me late ( XX/XX/XXXX ). The mortgage payment is due XX/XX/XXXX. Late payment date is XX/XX/XXXX. 

I called Seterus XX/XX/XXXX, to verify that they sent my mortgage statement to my address. According to the representive for Seterus ( XXXX XXXX ), Seterus discovered incorrect data on customers mortgage statements and that mailing would be delayed. I asked XXXX XXXX why Seterus did not advise it 's clients about this problem to avoid late fee 's and damage to credit scores. XXXX XXXX told me that Seterus is not responsible in advising clients of this issue. I than filed a complaint with Seterus on this issue and I asked to talk to a supervisor. 

The supervisor I talk to was, XXXX XXXX for Seterus. According to XXXX XXXX, " Seterus is not required to send mortgage statements to it 's clients. If the client has an account set up, the client can access account on-line and find out what thier payment is. " According to the Dodd-Frank Act, XX/XX/XXXX ; The new rules are designed to protect consumers by : providing borrowers with better information about their mortgage loans providing borrowers with assistance if they are having difficulty making mortgage payments, and protecting borrowers from wrongful actions by mortgage servicers. 

The new rules require mortgage services to : Send Periodic Billing Statements. 

The mortgage servicer must provide a written monthly mortgage statement to the borrower. 
-The statement must show : the amount currently due ( including how much will be applied to principal, interest, and escrow ). 

-The total of all payments received since the last statement-How prior payments were applied-Transaction activity-Partial payment information-Fees or other charges to the account-Account information ( such as the outstanding balance and interest rate ) -Contact information for the servicer and housing counselors, andinformation regarding delinquencies ( if you 're behind on payments ).
Product: Credit reporting or other personal consumer reports

I have submitted several request to block information related to XXXX XXXX and Equifax denies to block this information. When I call I speak with someone named XXXX who advises there are no supervisors and she is the last point of contact. She requested a new letter from an agency, I submitted it and they still denied. The agency stated no one reached out to them to verify the letter. I have given them five different items when only one is required and they continue denying my requests to block negative information resulted from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been added to my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report, as they were opened or made without my consent : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX  Date : XX/XX/XXXX XXXX. Advantage Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

Jefferson Capital System a ppeared on my credit report after the original creditor  XXXX   XXXX  deleted the account after several letters of dispute. I have never owned a  XXXX   XXXX  account. I believe after the original creditor deleted the account from my credit report the account was sold to  Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of  this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.
Product: Debt collection

The company, Waypoint Resource Group, responded to my request to verify the debt with just copies of bills. There was no signed document from the creditor, XXXX, that I had I agreed to the debt. There was no signed agreement, no copy of the terms of the agreement with XXXX.