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

Yes I Was Working On My Credit Report and I ask them to show me Accurate information that i went Through with the Bankruptcy Process. and I sent All My Documents and show my proof and they, Failed To Remove it off my Credit Report.
Product: Debt collection

A certified letter was on XXXX XXXX to XXXX XXXX XXXX XXXX requesting validation of debt They have yet to respond to my request for any documentation. Such as a copy of my signed authorization permitting XXXX XXXX XXXX center to release my medical records. To comply with HIPPA and FDCPA.. Under the Health Insurance Portability and Accountability Act ( HIPPA ) I am entitled to protect my private medical records.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX issued a teller check # XXXX for the amount of {$4400.00}. Because it was from my home equity account, the money was taken out immediately when printing. They sent that amount based on an old statement I had from Barclays Credit card. They expressed mail USPS with the tracking number of XXXX XXXX XXXX XXXX XXXX to the address on my statement which is : Barclays, XXXX XXXX XXXX XXXX XXXX, PA XXXX. According to the USPS tracking information, it was received on XX/XX/XXXX. I called on XXXX to find out when the check would be applied to my account- They told me 2-3 business days. I called back later and then had to open a case to find this unapplied check which they told me it would take at least ten days to resolve. Meanwhile I am getting charged interest on my credit card due to them losing the check and not applying it in a timely manner.

I would like them to find the check, apply it to my account and remove all interest charge on my account starting XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XX/XX/XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; XXXX responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with XXXX, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from Cawley and Bergmann reflects a different account number for the same account that XXXX is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is XXXX still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is Cawley & Bergmann offering a settlement on an account that is not verifiable? 

For the second account, XXXX merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XXXX XXXX states that a payment was due on XX/XX/XXXX, then how can XXXX say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that XXXX has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! XXXX nor Cawley & Bergmann provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, XXXX failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. 

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint against credit reporting agency TransUnion through the consumer financial protection bureau. On XX/XX/XXXX I received a response stating that there was a response from the company. The response said that after " CAREFUL REVIEW '' it was determined that the information was not currently on my Transunion report. However, upon further research into the matter I have determined that the item is indeed showing on my Transunion report. The item appears as XXXX XXXX in the amount of {$200.00} with the original creditor being XXXX XXXX. It seems to me that Transunion 's " careful review '' is inadequate. Below is the original text of initial complaint. 

On XX/XX/XXXX I received an email correspondence from a representative with XXXX XXXX AKA XXXX XXXX. This correspondence stated that I had a past due bill of {$270.00}. The representative stated that {$25.00} of that amount was a late fee that was agreed to being waived after I had complained about it being added. Therefore the amount to be paid was now {$240.00}. I paid that amount. There should have been no more billing after that payment as my account had been closed for quite some time at the point of that payment. However, XXXX XXXX AKA XXXX XXXX, continued to bill me with more charges. I disputed this information with the credit bureaus at some point and had these erroneous entries removed from my credit report. Over the course of time I have lost the original billing statement that I had sent in to the credit bureaus to prove that I had paid what I had owed at the time. XXXX XXXX AKA XXXX XXXX sold the account to another debt collector and this falsely reported charge off has been hindering me for years. I even requested billing statements of which the collection agency provided incomplete statements. This collection agency provided statements from XX/XX/XXXX and beyond. These are statements that should never have been sent me. When I requested statements from XXXX and XX/XX/XXXX I never received a response with that information. Every time that I dispute this information with the credit bureaus, the credit bureaus allow the information to remain and report it as " resolved ''. If they have information to say that I owe a continued debt that I know that I do not owe, then they should be able to provide a statement of what was owed to them as of XX/XX/XXXX. That is the debt that was paid. I do not owe this company any more money nor should I owe any company that they sold a false debt to.
Product: Debt collection

XXXX XXXX XXXX has not verified the debt after 30 days upon receipt of a debt verification request. I was advised to send the letter to their third party collecting agency which is Frontline. Frontline refuses to provide verification and referred me back to XXXX even though federal law says they have to send it within 30 days of receiving that letter. I spoke to XXXX at XXXX at about XXXXXXXX XXXX on XX/XX/XXXX and she did confirm that frontline was their third party collector and that the certified debt verification request I had sent was on my file at XXXX. Since Frontline is acting as the collector for XXXX and they scanned the letter into my file, my rights will be violated as of XX/XX/XXXX because tracking shows the letter was delivered that day at XXXX XXXX. The tracking number for the letter is XXXX. I spoke to a XXXX at Frontline at about XXXX on XX/XX/XXXX and he confirmed that Frontline is collecting for XXXX and that they had received the letter. He also called me by the wrong name, was generally evasive and made me feel like this is something they do all of the time to evade federal law. Also the first time I called someone at XXXX they refused to give me their address for mailing a dispute because I would not verify my mailing address until the debt was verified. I believe this is also a violation of federal law because that is essentially not allowing me to dispute. Now that I look on the website for XXXX it has yet another collection agency with a different address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported two months ago. They still made incurred balance on account. I call them and they would no talk to me!!!
Product: Mortgage

Citadel Servicing originated and now services my mortgage. My small business has been adversely affected by the pandemic and government-mandated quarantine. I am collecting unemployment but unable to make my mortgage payments due to my payments being XXXX per month and my unemployment being {$1800.00} a month. Citadel is not following the industry norm and allowing up to 12 months of forbearance like the government-backed loans are required to per the Cares Act. They are foreclosing on my home and have issued me a notice of intent to foreclose. I find it reprehensible that they would do this to a small business owner in the midst of a global pandemic. Its not my fault that the government has shut my business down. Now they want to ruin my credit and take my home. They earlier agreed to a forbearance but will not extend the forbearance for 3 more months. As the pandemic continues and quarantines and moratoriums are extended, they should follow suit. I think it is very unethical what they are doing to me considering the environment we are in and the fact that I have no control over this pandemic or government-issued restrictions impacting my ability to earn an income.
Product: Debt collection

I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.
Product: Debt collection

American Express is personally pursuing a credit card debt owed by a XXXX XXXX, that I'm a XXXX  of. Company is going through difficult times and now with the Coronavirus pandemic, is not functioning at all, like all similar companies, making payments on any debts, impossible. 

I personally, for over a month now, am displaced from my place of residence due to the virus and the fact that my wife is a XXXX XXXX XXXX, dealing with XXXX XXXX on a daily basis. 

American Express has been harassing me with phone calls despite me asking them to send me all information on an email, so I could go over the options and review the situation. Where I am currently, cell service is limited and I can only make phone calls when I'm going to get groceries which I communicated to AMEX on one of my trips to the grocery store, via voicemail. I can't access my mailbox being many, many miles away and with my cellphone service being completely unreliable, email is the only way I can review and respond to any claims. 

Furthermore, AMEX has been harrassing my wife with phone calls recently, and caused emotional stress to her in these difficult times when she's already emotionally stressed with the work and with not seeing her children and husband for over a month. 

Last Saturday, XX/XX/XXXX, AMEX has destroyed my credit score,  bringing it down to 500 points by reporting the company debt to my personal credit. 

AMEX has done all these things without attempting to settle the debt on company 's assets. Company has various assets that could have been used to satisfy the debt, at least partially. Furthermore, I never received an email summary of what is happening and what is planned and I never received a proof that I'm personally liable for the credit card debt that is owed by the company 100 %.
Product: Mortgage

The servicer failed to pay all taxes on the home. Due to that a lien was threatened on the home due to a tax sale. The company charged me XXXX for legal fees which should not have been charged to me due to their error in not paying. In addition once I was made aware of the issue, the servicer was in the process of transferring loan and would not advise me of anything. I ended up spending XXXX of my own on an attorney. The servicer has not refunded my XXXX payment and should be responsible to reimburse me the XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute on XXXX confirmation number ending # XXXX. I demanded equifax to provide me a description of the procedure used to determine the accuracy and completeness of the information by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. XXXX. They have not done so. I called on XXXX. They did a new investigation and again stated information verified with no evidentiary documents. I spoke to an escalation supervisor XXXX XXXX at XXXX and he informed me that equifax is not required to follow that law. I asked is equifax governed by FCRPA he stated yes but that is one those laws. So equifax is willfully reporting information they have validated with any documents against me constant dispute
Product: Mortgage

My husband wrote a check out to Fifth Third Bank from his XXXX account to pay our mortgage. The check was solely intended to pay for the mortgage and is clearly noted in the memo (lower left corner of the check with my name and the Mortgage account number). Fifth Third Bank is holding these funds in my checking account, which is unfair! It is making my mortgage accrue interest and late charges that I should not be responsible for! Fifth Third Bank falsely (XXXX from the XXXX, Ohio branch) informed me today via telephone that the funds from XXXX were not available and if she made them available, I would be charged an additional fee. She ended the call with me shortly after that stating that she has "other customers waiting". I waited for service, too... My end result was getting hung up on. My husband called his bank and was told the funds were already cleared as of XX/XX/XXXX17. I want this resolved immediately and feel like I'm being taken advantage of.
Product: Checking or savings account

I would have fees even when it was set to not pay anything and then they would charge fees on fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/ These are not my inquiries they where done fraudulent an shouldn't be on my credit report
Product: Mortgage

I bought a fixer upper and was convinced to use a XXXX Loan program by telling me false claims of the programs ability and features. The Mortgage officer lead me to believe I had to use a contractor off a supplied list and this gave the bank a special relationship to work with them concerning schedules, deadlines and any disputes, these were all lies. Now that I 'm XXXX years in to a project I was lead to believe would be 6 months or penalties would be assessed I have a unlivable home in need of XXXX in structural repairs to the new construction that was done incorrectly and another XXXX in new damages. The bank said good luck with that and they are n't going to help and they do n't have any resolutions and mitigation abilities as I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

did a dispute numerous times. Kansas councilors has added this on my credit report since XXXX  under different file numbers. I have talked to each credit bureaus and nobody will help me. Kansas councilors just re adds it back on since XXXX  I have asked for proof of here I signed something for them to have my info and never received. Thnni keep trying to explain it is the same file that they keep adding just another number in a different file. Nobody will help me. I have adds the last report number that I made to dispute.
Product: Credit reporting or other personal consumer reports

This is fraud and this is identity theft i have reached out to the credit bureaus. i have been sending disputes to these company in regards too accounts not being mines. Also there are ALL inaccurate on my credit XXXX. XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX  {$2800.00} XX/XX/XXXXXXXX XXXX XXXX  {$820.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX  {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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

I purchased a vehicle and got a loan for that vehicle, all of the credit inquiries for the loan are there and complete However there is a credit inquiry from a different company now on my credit report that i did not attempt to get credit from, i did not attempt to get a loan anywhere else.
Product: Credit reporting

I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 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 an account without my written instructions.
Product: Mortgage

XXXX property taxes due are {$1300.00} The first payment of {$680.00} is due by XX/XX/XXXX and late after XX/XX/XXXX. I called on XX/XX/XXXX to let them know they needed to pay and they were going to be late. They say they made a payment on XX/XX/XXXX. The county never received it. I repeatedly told them it had not been paid and that late fees were accruing. They paid some late fees. I still told them the county had not received the tax payment so on XX/XX/XXXX they made another payment of {$680.00} to pay the same taxes. 

I keep explaining to them that the first check on XX/XX/XXXX has never been received by the county and asking for a copy of the check or some proof that it has been cashed or it needs to be put back in my escrow account. 

My second payment of $ XXXX is due XX/XX/XXXX and late by XX/XX/XXXX. 

Additionally, during now they are telling me that my taxes to XXXX County are paid and not due again until XX/XX/XXXX. MY PROPERTY IS NOT IN XXXX COUNTY and I do not know where they got that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian, sent proof of this account Not my account, certificate letters and dispute
Product: Credit card or prepaid card

THIS IS REGARDING DIRECTEXPRESS.com the website and the call center. The US Treasury uses this card for people on SSI or Social Security. 
1, The website asks individuals to " register to log in '' when you do your are CONSISTENTLY told " error '' then you do it over and over and it's the same message. 
2. They claim to have a phone number for " hearing impaired '' ... NO ONE EVER ANSWERS 3. When you call for help it is IMPOSSIBLE to get an agent to help you..even for a lost or stolen card. 
4. If you do get through you hold sometimes for 35 minutes ... after a long wait a recording comes on that says ... .. '' we are experiencing high call volume..please call backi '' THIS IS AFTER HOLDING FOREVER 5. There  are elderly and XXXX XXXX people that have trouble getting help with the card or their benefits not being on the card. 
I help an XXXX year old male who is a XXXX XXXX and XXXX XXXX XXXX ... I can't count how many times we waited and waited. 
THE US TREASURY DEPT NEEDS TO DO SOMETHING ABOUT THESE CARDS THAT ARE ISSUED. What good are they if you can't get Customer Service. The Treasury needs more than one card service for all the elderly and XXXX PLUS there should be enough employees hired to service the Direct Express cards for recipients.
Product: Credit reporting or other personal consumer reports

XXXX  has once again placed a fraudulent account on my experian credit report due to identity theft I want this information blocked due to the FCRA 605B as I have never opened an XXXX  account
Product: Debt collection

Went to hospital XXXX and got XXXX. Multiple agents to pay at hospital XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these accounts were paid directly and confirmed by date of payment, account number, credit card statements, and insurance. However - A second entity sent me a bill under the name of XXXX XXXX XXXX - different city, address and contact information from the original XXXX XXXX XXXX at the hospital. They are asking for the same dollar amount as the original bill : {$8.00} but have attached it to the false name ( but similar to mine own ) with an account number that has the original account numbers PLUS 9 additional numbers ( i.e. new account under false name being billed to me for the same amount - billing twice to one person ). 

Then, I received a second letter stating that the {$8.00} has gone into collections under the name false name but associated to me and my current address from the company " CMRE FINANCIAL SERVICES '' XXXX. I am disputing this with them and have sent that paper information back in Certified Mail. 

Sinmultaneously, I've been recieving an abscene about of phone calls from another entity called " XXXX XXXX XXXX '' XXXX. They are very definitely a call center because they called my number and left a message for someone else 's name stating that they were collecting for one company THEN called me back to correct the previous message and say they were collecting for an unknown account under my name- but that they needed my SSN before giving any information. 

My phone number is associated with a dollar amount for an unknown bill that has no paperwork or connection to any service, either known or unknown. There is no option to speak to a representative to get information about the debt they are trying to collect if you callback the number left on answering machine. You can only pay the phantom bill or leave a message. 

There is no debt. My bills are paid and up-to-date. There is no second person living at my home with a name similar to mine. I have reached out to both companies. I believe they are the same. I aim to protect my credit and my personal information from the dark web and frauds. Thank you