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

To whom it may concern, Back In XX/XX/XXXX on My XXXX  XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.
Product: Debt collection

In XX/XX/2013 I heard an advertisement on the radio about a Social group called XXXX XXXX XXXX to meet new people in a city you are new to, in order to connect with locals. I didn't know anyone in Texas and I thought it would be a great way to make friends. In the ad they said they you can cancel at anytime. I did not realize that it was an installment plan that I would have to pay whether I used their services or not. I never attended any of their events because I realized it wasn't for me and I had already canceled before they could even take out the 1st payment. 
Now my credit report has a collection from Keynote Consulting Inc with no contact information. 
I dispute this wrongful attempt to damage my credit.
Product: Mortgage

I have an existing loan with quicken loans .loan number XXXX. I just looked at my XX/XX/2020 statement and noticed they are charging me XXXX for a payoff request. Firstly this request was not done by me. Secondly they did not notify me of this request. I have been with the same mortgage broker for 20 years and apparently she is always looking to save me money and refinance my loan. Apparently she made the payoff request without my knowledge and has never in her 25 years of practise ever seen a customer having to pay the money as part of a loan payment usually its paid during the close of the loan or payoff. When I tried to call quicken loans I got no where and when I tried to call corporate I got put on hold for over 30 minutes. I do not believe I should have to pay the XXXX dollars and they way they are attempting to collect this debt is beyond my comprehension without my knowledge. Attached is my XXXX statement showing this money which I want removed from my debt obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the millions affected by the data Equifax breach. Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place. In accordance with the Fair Credit Reporting act W.S. Badcock Corp, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please delete the 2 late payments from XXXX ( XX/XX/2016 and XX/XX/2016 ) from my credit report immediately as my rights have been violated.
Product: Mortgage

I submitted a payment on line yesterday ( XX/XX/XXXX ) for {$2200.00} for my mortgage # XXXX Dovenmuehle Mortgage Inc, it was deducted from my account at XXXX Bank on XX/XX/XXXX ( routing number XXXX, act XXXX, confirmation number XXXX ), and as of today XX/XX/XXXX at XXXX EST, Dovenmuehle has not received it. I made the payment to count for tax year XX/XX/XXXX, and the money appears to have disappeared into thin air. I checked on line at Dovenmuehle, and there is no record of having them received the payment, I called XXXX at XXXX x XXXX, she does not answer, left a message, and have not heard back. I called Dovenmuehle at XXXX and they deny receiving the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ... XXXX Balance : {$0.00} ; XXXX  XXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX, a deposit was made in the amount of {$2500.00} via a XXXX XXXX XXXX bank check. The check was deposited via electronically and was flagged as " fictitious ''. After calling the credit union, our bank CONFIRMED legitimacy twice. Then the funds were posted and after a few days registered. Then a few days later, the money was removed and the account closed. After visiting our branch manager twice afterwards, she assured us that the funds were good and that they would request to " reopen '' the account.. Days/Weeks later, the issue has not been resolved. Each time we call the bank office or go into the branch bank, we get different information and none of them agree with the other. After today 's run-a-round at the bank, we call the Bank Corporate and got another response from a XXXX who confirm 100 % that his response was accurate, we called directly back and spoke with another person. They gave us a completely different response. Then we ask to speak with a supervisor and again, we get a different response. The bank is holding my money ( {$2600.00} ) with no solid date of resolution.
Product: Debt collection

I am writing this complaint in regards to the {$1900.00} balance from XXXX XXXX that is trying to be collected by XXXX XXXX XXXX XXXX XXXX.At the time this lease was broken I was involved in a domestic abuse situation with my now ex-husband which resulted in me having to get myself and my Then XXXX XXXX XXXX XXXX out of the apartment and out of the situation.I have contacted the company on multiple occasions getting the run around.First they told me they would contact XXXX XXXX and inquire about a settlement but they never called me back.I contacted them yet again and they told me that XXXX XXXX stated that they would not settle the balance, so I contacted XXXX XXXX myself and they have a new owner and stated that it was not that they would not settle they just did not have the information any longer being that there was a new owner and the amount had already been sent to collection so there was nothing that they could do.Only in my own research of the Illinois State law and getting the constant run around did I find that there is specifically protection for victims of domestic violence under tenants rights in what is known as the safe homes act in the state of IL.This collection balance should have never been sent to the collection agency in the first place under this IL law.This is causing great distress on my now XXXX XXXX XXXX XXXX and I as it is hindering us from being able to establish residency in a new state as well as greatly negativly affecting my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

Khols / Cap.One XXXX XXXX XXXX On XX/XX/19 i made payment of {$100.00}, confirmation # for this payment XXXX On XX/XX/19 2nd payment {$170.00} confirmation for this payment - XXXX. 
XXXX flagged my acct.as charge off. 
Their explanation : charge off isaction of transferring account deemed uncollectable to a catagory such asbad debt or losx. Collector 's will usually continue to solucit payment but account are no longer considered part of a companys receivable r profit picture. A charge off may negatively impact credit score. 
Not one off these credit beurra has updated my account. 
Everything says derogatory / profit loss
Product: Debt collection

Credit Acceptance Corporation never provided me with a copy of the proof of sale from the auction they held to sell the repossessed vehicle. I was never given the opportunity to review whether or not they sold the vehicle for a fair market value as is my right. They are reporting this negative charge off on all three credit bureaus ' reports. I want the account removed until they can prove to me the law was followed.
Product: Mortgage

The Florida XXXX XXXX Assistance XXXX ( HAF ) approved and have been sending {$430.00} monthly mortgage payments to PNC Bank. According to XXXX from XXXX, on XX/XX/XXXX, XXXX sent PNC bank the mortgage payment that is due XX/XX/XXXX and PNC cashed the funds from XXXX on XX/XX/XXXX. 

Is already XX/XX/XXXX, and the mortgage payment that PNC received and cashed on XX/XX/XXXX from XXXX has not yet been posted to my mortgage account for due date XX/XX/XXXX. I have called PNC mortgage customer service, PNC XXXX clients relations and spoken to XXXX XXXX, Twinkle and others in the past XXXX weeks I have been told the same story ... ... that PNC is looking into it, but that it should be posted or I should get an answer in 3 days or so. First week in XXXX passed and no answer, XXXX week passed and no posting of the payment and no answer, XXXX week passed and the same and all along I have been on the phone various times each week inquiring about status of the posting to no avail. 

On XX/XX/XXXX, PNC bank charged me a mortgage late fee of {$14.00} for a payment they received from Florida XXXX but have not yet posted to my account. On XX/XX/XXXX I received a phone message from PNC Bank XXXX department. I called the mitigation department on XXXX, XXXX and was told it was regarding delinquent mortgage when fact my mortgage is NOT delinquent and PNC bank has been holding the HAF payment due XX/XX/XXXX for XXXX weeks. I told mitigation to read the notes on my account and the XXXX department told me that they see I have been calling and working with PNC XXXX customer relations. XXXX from XXXX relations tells me that she sent messages to the PNC XXXX XXXX representative who is suppose to look into this and approve the payment for posting and should get an answer in 3 days and I have been told the same thing for XXXX weeks. 

Where is the XX/XX/XXXX funds that PNC received and cashed from Florida XXXX for my mortgage due date of XX/XX/XXXX and how come they have not posted the funds to my mortgage account? 

It seems to me that the right hand does not know what the left hand is doing within PNC bank various departments and the latest funds that PNC received and cashed from Florida XXXX is being misappropriated to somewhere else and I have been given the run around. When is going to post the funds to my mortgage account? 



I ha.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. by ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

FYI : This is not a duplicate complaint, I made a mistake of the name of the orginal loan company name in my first complaint. It is not XXXX XXXX, it is Advanced Financial 24/7. 

I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/year> and they had 30 days by law pursuant to 15 USC 1692g and as of XX/XX/year> they have failed to respond. I requested the following information below in my letter. I also advised them in my letter that, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. 

I am demanding due to no response in a timley matter by law that this item be deleted from my XXXX report immediately were it is reporting. 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business in my state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. XXXX ) Please show proof an attorney from your company has reviewed the alleged debt in question that it belongs to me and the amount in question is correct.
Product: Debt collection

A debt recovery company has been harassing my girlfriend, XXXX, for over two years. They harass her and have also called her friends and family, including me today. They say this is over XXXX account. She has never had XXXX account and she has contacted XXXX who says they have no record of her. She has checked her credit report which also shows nothing related to XXXX. The phone number calling her is ( XXXX ) XXXX. They have threatened to send the sheriff to her home. 

Today I got a call from ( XXXX ) XXXX. File XXXX. I told them to stop calling and she has never had a XXXX Account. He said they are going to sue. He said his company is " Recovery Solutions Group ''. This needs to stop NOW.
Product: Debt collection

I stayed at XXXX XXXX XXXX  in XXXX XXXX We signed our first lease on XX/XX/XXXX. We were never late on our rent and never caused problems for management. Our lease was scheduled to finish in XXXX of XXXX. I was notified that I would be medically XXXX from the XXXX sometime in XXXX. We spoke with the property managers at the time, XXXX XXXX XXXX and XXXX XXXX XXXX, and we were told that there was no issue with finishing our lease early as I was XXXX XXXX when we re-signed the lease on XX/XX/XXXX. We said we were unsure when we would be able to move but we were assured it was fine as the lease does not have a time period as long as the lease was signed while XXXX XXXX. 

When we turned in the XXXX  and notified them that we would be vacating the premises in 30 days XXXX XXXX was no longer working there and XXXX XXXX said she did not have any knowledge of us signing the lease while I was XXXX XXXX. We assured her she was present and showed her the paperwork showing she was the one that signed with us. She became irate and told us to leave the office and we complied. 

We went to the XXXX XXXX XXXX XXXX  XXXX and they typed out a letter informing them that they were violating OCGA 44-7-22 which also does not contain a time limit. My home of origin when I entered into the XXXX  is greater than 35 miles from the rental property. We turned the letter in to the XXXX XXXX and she again became irate and demanded we leave the office. We again complied. 

We moved out of the property and our belongings were moved by XXXX XXXX, indicating that we were still within the scope of our XXXX XXXX to move. 

XXXX XXXX XXXX then persisted with their early termination charge in violation of OCGA 44-7-22 and our lease. 

We filed a complaint with the XXXX  and XXXX XXXX XXXX did not respond to the complaint. 

We were contacted by Fair Collection Outsourcing ( FCO ) about said bill. We disputed the debt and sent them all of our documentation showing the charges were in violation of OGCA 44-7-22 and our lease. They responded with an email containing no documentation and stated they called XXXX XXXX and she told them to continue with the charges. FCO did not do a proper investigation into the debt owed.
Product: Credit reporting or other personal consumer reports

A few months ago after checking my credit report I noticed several inquires that I did not recognize and did not authorize. I have previously requested this information be removed from my consumer report to no avail.
Product: Checking or savings account

On XX/XX/year>, I received an email that said my account was locked. I tried to log in to see what going on, but Credit Karma did not give me any reason. 
Days After, I called and emailed them many times, and they said they escalated my case. There was nothing they could do right now. I contacted them again, and they said I must wait for XXXX business days. 
Now, it has been 1 month. They locked my account for no reason and could not explain to me what happening. 
Today XX/XX/year>, I called them again. They said they would transfer all my money back to my linked bank account. But, they can not give me an exact timeframe.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Started when Covid 1st hit XXXX XXXX closed both accounts never late or miss a payment. XXXX XXXX XXXX XXXX same thing told me experian had them closed. I stated I pay YALL not the credit experian. XXXX XXXX, XXXX, allowed them too drop limit every time I pay it down dont have none available. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, allowed them too do the same thing. XXXX had never been late or missed a payment closed it but gave me another one. Paying old one never been late or missed a payment closed it. XXXX XXXX XXXX  got me passed due and the program they put me in gave an affordable payment when time to make it was the same high payment with very high interest. XXXX never been late or missed a payment and experian had them close my card. I have a very poor credit score due to the action wont removed the account that I put in dispute from Covid job was down 6 months. I just did a dispute and Experian steel left all that mess on there. Please help us please. They destroyed our credit we can purchase nothing. My score. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt and follow up to cfpb # XXXX complaint Experian still has not completed my dispute and disregarded supporting information in my dispute. Their response was Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported and the summary of the results were sent to you on XX/XX/2022. I sent my follow up complaint with supporting information regarding the dispute. There is no way possible that they overlooked my dispute and only removed addresses. Cfpb please monitor the complaint closely because theirs account information that does not belong to me and Experian is neglectful in removing the information.