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

On XX/XX/XXXX I wrote a letter to experian requesting that the XXXX XXXX XXXX XXXX account had errors and it did not belong to me and I wanted it removed from my account. I sent them this letter certiffied mail and the return receipt shows XXXX XXXX an experian employee at XXXX XXXX XXXX received it on XX/XX/XXXX. I stil havent received a reponse from them. Since then I have been forced touse the experian online portal which still shows this account on my credit report full of errors. How can I be 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name XXXX XXXX Inquiries : XXXX XXXX - XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this accounts that are not mine : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Product: Mortgage

I have Mortgage account with Wells Fargo for almost a year right now. I had done 4 mortgage recasts of $ XXXX ( overall $ XXXX ) during last 12 months. 
Each mortage recast in general brings the monthly payment down by around $ 150- {$200.00}. 
I have been asking Wells Fargo to provide me a scientific and mathematical way to share with me how they are calculating my next mortgage payment after each recast but they are not doing it for almost last 7+ months. 
Now i am growing suspicious that something is going wrong out here.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX bank
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

XXXX  consecutive month I sent validation letters notifying of error on my credit report. All items came back validated. I never received the method of validation. I also file a case with identytheft.org due to being involved in several data breached and many of my accounts being compromised. on XXXX and XX/XX/year>. I received several letters stating that I could send disputes through the site. which I had done previously and item still remained.
Product: Credit reporting 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new collection listing on my TransUnion credit report under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and XXXX   has no business placingn it back on my file. I intend to file charges against XXXX for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.
Product: Credit reporting

I have XXXX mortgages being reported as unpaid from XXXX it 's been paid in full enclosed is a email from XXXX attorneys
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX  and this is not my account. I need this removed off my credit report.
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX I attempted to use my Southwest Credit Card through JP Morgan Chase Bank at a local gas station and was denied at the pump. I called XXXX ( chase ) on XX/XX/2022 to inquire to the situation. I spoke to a girl in fraud who started saying something then just told me I violated bank policy I asked what I violated and was told I would need to speak with customer service. I asked for a manager 5 times and was denied and told they can't help this is on customer service. I asked to be transferred to a manager in customer service, after a brief 15 min hold ( no check ins ) I was connected with a male supervisor. He only stated he could not speak with me in regards to my concerns and I would need to speak with a 3rd person now for answers. I've now been on hold for almost 3 hours with no answer or response. I called in at XXXX MT and it is now XXXX MT and total time spent speaking with someone has been under 10 minutes. 

My credit was pulled for this line of credit which has a negative affect on my score which I am aware of working with credit ( mortgage ) for the past 7 years. Closing of my account again has a negative implication on my credit as it closes a tradeline. Chase has closed my account with no attempt to inform me or communicate anything to tell me what violation I made.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Experian have on file for me doesn't match what's listed, then there are problems with either Experian records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Experian must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report. Please note that this account has been in dispute for over four months. Experian responded to the previous disputes with just a statement that the account has been verified without providing the proper documentations to me proving how the account was verified and why the errors on this account has not been fixed. I here by request those documentations for my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulant inquires XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Once again have been trying to get an account thats is not mines off of my credit report and have asked Experian plenty of times to provide me with the information they received from the creditor of the account instead they send me a notice saying nothing is going to change on that account which violates 15 U.S.C 1681D Im requesting them to send me proof of everything that received on this account Account : XXXX XXXXthat starts with XXXX
Product: Debt collection

I have never had any communication with your company, never set up any payment arrangements. This is absurd! I have never had XXXX XXXX. I will keep fighting until you remove this account that does not belong to me. I was a victim of identity theft and reported everything to the credit bureaus.
Product: Debt collection

I sent AmeriFinancial Solutions a letter on XX/XX/2021 by certified mail ( XXXX XXXX XXXX XXXX XXXX ) I did not receive a response from AmeriFinancial so I submitted a second letter to Amerifinancial on XX/XX/2021 allowing AmeriFinancial plenty of time to respond to my request for validation well over 45 days in consideration of the pandemic.
Product: Credit card or prepaid card

American Express reported late payments to the three reporting credit agencies on my account. Before they made the report, I called to negotiate with American Express that I was going through financial hardship due to a XXXX XXXX I had back in XX/XX/XXXX and a Motor Vehicle Accident I had in XXXX of XXXX. After my XXXX  XXXX, I was out of work for almost two years and didn't file for unemployment because back then I was unfamiliar with the unemployment 's system. In addition, the car accident in XXXX of XXXX, which led to me being unemployed cause I needed time to recover couldn't allow me to pay any credit card nor medical bills. The dates reported are as follows : American Express XX/XX/XXXX 60 days late All 3 report Agencies XX/XX/XXXX 30 days late All 3 report Agencies
Product: Checking or savings account

Two years ago I purchased a new XXXX from XXXX, the company moved me to a new phone number and phone plan as a result of my financing the new phone through their company. As a result, they indicated that my old phone number and pre-paid plan could not be used and that they would close both the number and plan - I also turned in my old phone for recycling at this time. They did not however suspend/close this old plan and continued to charge me {$61.00} over the past two years. This is IN ADDITION to charging me for the cost of my current phone plan, which included the cost to the phone. Therefore, XXXX has been charging me for 2 phone plans a month, for two years, one of which they were responsible for terminating. They owe me over {$1500.00} for these charges. I called them and they said they will only reimbuse me for the past 6 months as they can see/prove that the plan/phone number was not used. I want to reimburse for the full two years. My bank, Capital One, said that too much has time has passed to pursue an investigation or open a case to dispute the charges. This is a lot of moneyXXXX XXXX has no way of looking in their system to see and verify that I indeed only use one of the two plans they have been charging me for over the past two years and to rightly/morally take action to reimburse for the plan I have clearly not used because they as a company made me switch plans and phone numbers and thereby assumed to responsibility of shutting down my only plan and moving to my new one?
Product: Mortgage

WE ARE IN RECEIPT OF CORRESPONDENCE FROM XXXX AND XXXX REGARDING CFPB COMPLAINT XXXX AND XXXX. 
PLEASE NOTE ALL SUBMITTED COMMUNICATION IS FRAUDULENT. COMMUNICATE SENT VIA XXXX WHICH CONSTITUTE MAIL FRAUD AND IF SENT TO CFPB VIA EMAIL IS CYBER FRAUD. OUR SIGNATURES WERE COPIED AND PASTED AND OR LIFTED ONTO THESE DOCUMENTS, WE HAVE NEVER SEEN NR RECEIVED ABULK OF THESE DOCUMENTS. XXXX AND XXXX ARE VERY AWARE OF THE SITUATION AND IS POSSIBLY WORKING WITH LEAGL COUNSEL FROM XXXX XXXX WHICH IS A CONFLICT. 

THIS INDIVIDUAL WAS VISITING XXXX XXXX XXXX AND DOCUMENTS WERE TAKEN PERTAINING TO XXXX XXXX XXXX XXXX. IF THIS LAWFIRM IS RECEIVING FEEDBACK FRO, THE BRC TRUSTEE XXXX XXXX XXXX, AFTER INVESTIGATION, IT HAS BEEN CONCLUDED HE ABANDONED ALL REAL PROPERTIES DUE TO MORTGAGE FRAUD, WE HAVE ID THEFT AND IN ORDER TO MAKE MONEY FROM THIS CASE HE ABANDONED THE PROPERTY COLLECTED PMI.WE NEVER RECEIVED A LOAN FOR A MORTGAGE. 

THIS WAS REVEALED AFTER BEING NOTIFID BY A FEDERAL AGENCY O ID THEFT AND FRAUD. THE CLOSING WAS STAGE AND FRAUDULENT. XXXX XXXX AND XXXX APPEARED TO HAVE HAD STRAWBUYERS WHO WOULD STEAL PROPESPECTIVE HOME BUYERS IDENTITIES AND LOANS WOULD BE OBTAINED USING VARIOUS INDIVIDUALS NAMES AND MORE, ALL MONEY WAS DIVIDED WITH THEIR STRAWBUYERS, THERE WAS NEVER A LOAN PROVIDED. WHERE ARE YOU GETTING A XXXX DATE FROM? 

SOME OF THE ATTACHED DOCUMENTS ARE ILLEGIBLE. 
( PLEASE EXCUSE ANY TYPOS )
Product: Mortgage

Hello, My mortgage servicer is Dovenmuehle. When a Covid19 started I did reach out to them for more information regarding forbearance. As I did not get an answer I continued with monthly payments. 3 weeks ago i did receive a letter asking to sign for forbearance. There was no information about how it will follow after that ( if i will have to make a ballon payment, or one time lump sum after the period and so on ). I called the representative for explanation, but I only got an answer : " sign the documents and at the end of the period our representative will reach out to you and you will see what options do you have ''. I have never seen such activity, that a customer needs to opt in into program, not knowing what is the outcome. ( they can XXXX a customer down with this ). Other companies do provide plans and documentation of repayment before even going to forbearance plan. I did decline to sign any documents and go with that plan. Now the problem is that i can not make my monthly payments online. As I log in and try to make a monthly payment I get this message : " Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX with any questions ''. Did try to call this number and no luck contacting the representative. In addition I have problem with this company Escrow collection, too. I have multiple times asked to stop it as I want to do it myself. All the time there is a huge delay. Last time I got an answer that Im eligible, but still cant do it ( i am with them for more than 24 months, escrow is up to date and I did put 20 % down on this mortgage ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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: Debt collection

Received 6 calls from ( XXXX ) XXXX and ( XXXX ) XXXX and both are for Credit Resource Management. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate XXXX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.
Product: Mortgage

I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.
Product: Credit reporting or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner. 
I sent a letter XXXX XXXX, 2024 informing them that the accounts are not mine. I received a system generated letter. I sent another letter XX/XX/XXXX and received another system generated stating that they do not believe it is me sending the letters. I have attached all personal information in letter to assure that I was the person sending the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a collection account that reporting inaccurately on my report they are the only credit bureau listing this account which is inaccurate it shows a past due balance on a collection which is against the law the company is XXXX XXXX bank the account number XXXX this account should not be reporting in credit and I would like it removed immensely Experian report should match the reports of XXXX and XXXX they are the only bureau reporting account and its inaccurate and I want removed asap I attached proof showing only Experian reporting this collection
Product: Credit reporting or other personal consumer reports

Grid. Supposed to be a credit line helper with a debt card. App issues continue not resolved. Business employees refused to acknowledge. I paid to card as suggested. They took from card for payment as agreed per email. Report reflected. Due to the repeated harassment I closed card. Time consuming. Seems to push certain people put. Only want job incomes. I closed. I paid in full. Not been updated on report. Reflects late falsely. I disputed. XXXX lied and just refused. Grid lied and said i was not. They want to go back and alter report instead of state closed and paid in full.
Product: Debt collection

I was a victim of identity theft, my information was stolen and used to open a credit card during a time I was incarcerated in prison. I became aware that I was in fact a victim of identity theft after checking my credit report last year, I filed an official complaint and identity theft report with the Federal Trade Commission and placed fraud alerts through all three credit bureaus, I also called the companies that the fraud occurred at telling them what had happened and providing them proof that I was incarcerated during a time when the accounts were opened, and sending them copies of my FTC report in hopes that I could begin to repair my credit. I was successful with removing all fraudulent accounts EXCEPT for Resurgent Receivables LLC. I sent them certified mail several times providing them with evidence that the account did not belong to me and asked them to stop reporting the fraudulent account to the credit bureaus and to remove it from my credit report, but it has continued to tarnish my credit score and remain on my credit report. 

Then just a few months ago I received a " Summons and Complaint '' from a company called XXXX XXXX XXXX XXXX XXXX XXXX representing Resurgent Receivables LLC, I contacted them and spoke to someone who asked me to fax all supporting documents to them in which I did but every time I tried to fax to the number they gave me it would not deliver so I called back again to explain to them the issues I was having but it continued to go to voicemail. I never got a call back and still continue to get a voicemail every time I try calling so than I decided to mail them everything I was trying to fax and I have proof of mailing it to them because it was certified mail. It's been almost a month now since sending them certified mail and I have yet to get a call from anyone and still continue to get voicemail every time I call. I have done everything and anything possible to get this removed and just don't know what to do at this point. I'm extremely upset and frustrated that this is still a battle to remove from my credit report.
Product: Credit reporting or other personal consumer reports

In 2024 some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc I'd packet, disputes the charges and accounts opened due to fraud. On XX/XX/2024 I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/2024 Equifax did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires and Equifax online shows I can dispute due to fraud just to have Equifax immediately deny this and not look into the claims at all and just state they are valid?