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

I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX  ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX collection agency or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 

XXXX XXXX XXXX
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. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$470.00} ; XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for any transactions that I sent and couldnt get the money back for and or any transactions that has been reported or any funds that I was never able to receive from a check, sent funds, external funds, or money that sat in my activity that I couldnt get access too.
Product: Mortgage

I am writing because my mortgage problems began when Covid started. I worked for the same company for 20 years and as other companies experienced work slow drop down dramatically or completely stopped. Ours didnt stop but it did slow down dramatically. I took advantage of the forbearance that my mortgage company Select Portfolio Servicing was offering to not have to make payments because of hours cut or loss loss of wages, In XX/XX/2020 I was involved in an auto accident with a company vehicle that someone got injured and died. This was an unintentional accident. I lost my job of 20 years and I contacted select portfolio telling them I had needed to continue the forbearance. It was continued until the forbearance ran out. I have been unable to obtain work because of this accident due to several court appearances meeting with my lawyers, etc. I contacted select portfolio servicing and they have not been of any help at all. In the last three months. Ive talked to eight different relationship managers -- -the relationship manager that was assigned to my account has never contacted me. Ive left numerous messages-Ive sent emails Ive sent along with documentation that has both my number and my mothers telephone number.. Finally I talked to a gentleman named XXXX, one of the eight relationship managers. He told me that the relationship manager had documented that she tried calling several times when asked what number she was calling XXXX gave a number that I have not had since the accident happened- if my relationship manager was reading my documentation and listening to my messages she wouldve found that I had a new number and I also authorized my mother to be called about anything, to be given any information, but nothing was ever done now my house is in foreclosure, It was supposed to go on the sheriffs block on the XX/XX/XXXX. I got it moved to XXXX and now because XXXX having other agencies involved now - XXXX and XXXX XXXX XXXX XXXX XXXX I got select portfolio to move to XX/XX/XXXX but theres still no definition of what theyre going to offer as a payment structure. I am being incarcerated in XXXX because of this accident and I want my children to have a home to continue living in, and I have given my mother all the authorization that is needed. in talking with one of the relationship managers, Ive been told they have had a large turnover and a lot of the relationship. Managers are not fully knowledgeable of what to do it issad that some of them dont even try to help they just say Im transferring you Its really sad for such a big business such as select portfolio servicing to have unqualified people especially when its regarding somebodys home being taken away from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. Experian and XXXX  are both lagging. Experian has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account nor is this an account or mine. If you can not supply this, please delete these alleged late payments and the account in its entirety from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ONEMAIN has a hard inquiry on my credit report that I did not authorize and the company confirmed that I have no applications filed with them in 2024. They put in a ticket to remove inquiry and it has not been removed from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) One Main Financial 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 USC 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.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Mortgage

On XX/XX/2020, I called Carrington Mortgage Services Home Retention Department and spoke with Griselda. She told me my modification had been approved, she explained the offer, and told me to sign and send it back. I received the offer by USPS First Class Mail on XX/XX/2020. It is dated XX/XX/2020 and postmarked XX/XX/2020. 
The due date given me to accept and return it with my signed decision is XX/XX/2020. My past due balance will be added to the balance due on my 30-year mortgage and my payments reduced by {$31.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITALONE REFUSED TO CANCEL A LOST CABELAS  CREDIT CARD ON XX/XX/2020.
Product: Credit card

Chase lowered my credit lines to within a couple hundred dollars of the balance claiming our other cards had rapid increase in balances, ruining my credit. That is because we were using 2 cards to do our major remodel, and were going to pay them off after. They have better rewards than you. This ended up showing THESE cards being maxed out. My other 2 cards you were referring to were still within a few thousand of the credit line. NOT MAXED. During our remodel, my husband had emergency XXXX. You are discriminating against people due to humanitarian reasons. You lured us into getting a XXXX card for 0 % when we went on our big XXXX vacation in XXXX, then wreck my score. This mendacious, deceitful business practice will not be tolerated. I have now PAID THESE CARDS IN FULL! But wait, you have now added a {$64.00} finance charge on the XXXX card because my payment posted the same day as the cycle date. I WANT THAT REMOVED IMMEDIATELY.
Product: Mortgage

In XXXX XXXX, I was granted a modification From Seterus Inc . I signed XXXX copies of the modification and returned it to the servicer in XX/XX/XXXX. According to the modification after making 3 consecutive payments it was supposed to become permanent, XXXX XXXX, after it became permanent in was supposed to be signed by the servicer and presented to The XXXX XXXX XXXX Arkansas Bankruptcy Court for approval. When I contacted Seterus about a copy of the modification this I was sent a unsigned copy, when I requested a singed copy I was told they had not completed it as of XX/XX/XXXX. After rigorous attempts to get a signed copy I received a sign copy in XXXX XXXX. I contacted Seterus at that time to request that the signed copy be summited to The XXXX District of Arkansas Bankruptcy Court for approval, I was told they summited a n unsigned copy XX/XX/XXXX and it was denied, I explained that the court had stated that it would not approve an incomplete document was the reason for the denial and requested that Seterus summit the modification with both parties signatures to the court stated above, I was told that they had no intentions of summiting the documents for approval believe this is in violation of the servicer rules
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit reporting or other personal consumer reports

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 ] Subject : Dispute of Late Payments on Account - Demand for Late Payment Deletion To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for XXXX XXXX XXXX XXXXXXXX account number [ XXXX ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I request immediate investigation and verification of the accuracy and legality of the reported information. Grounds for My Dispute : 1. 15 U.S.C. 1681 ( a ) ( 2 ) : The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. Any reported payment history must comply strictly with the legal definitions provided by this section. 2. 15 U.S.C. 1666b : A creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement, including the information required under 15 U.S.C. 1637 ( b ), is mailed or delivered at least 21 days before the payment due date. I demand proof, such as a tracking number or proof of delivery, showing that such notice was mailed or delivered to me in compliance with this statute. Additionally, provide a copy of the notice itself. 3. 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information in credit reports. In the absence of evidence verifying the accuracy of this late payment report, it must be deleted immediately to comply with the law.
Product: Checking or savings account

On XXXX/XXXX/XXXX, I called Wells Fargo at the following number : XXXX XXXX XXXX XXXX, to complain about an entry on my checking account for {$210.00}, for an online loan company called XXXX, of which I did not authorize. The Wells Fargo online banker proceeded to inform me that I was being assigned a claims number ( XXXX ) and a reference number ( XXXX ) ; and that it would take two weeks to investigate this matter. This call was at approximately XXXX am. Not being satisfied with this practice of allowing companies to take funds from my account, particularly the XXXX, and others, I then decided to go to the local branch office to close one of my accounts, because I believe there are fraudulent bookkeeping practices at this local branch, located at XXXX XXXX XXXX XXXX in XXXX Virginia. 

At approximately XXXX pm, I then went into the aforementioned XXXX XXXX branch, and asked to speak with the XXXX, however, XXXX XXXX XXXX XXXX bank XXXX XXXX spoke with me first, and I proceeded to inform her of the above incident, and I asked her if this bank had a relationship with XXXX, because I have noticed irregularities with my account, and the entries made with XXXX I also notified her that I would be making an official complaint. I asked to close my business account, and also asked for as many statements, that I could have. XXXX XXXX said I could have as much as five years worth, but I requested only for the past year. She said the copies would be free, however, before completing the copies, she then went to discuss the matter with XXXX XXXX XXXX the XXXX XXXX. At this point XXXX XXXX stated I had to pay {$5.00} a page for copies, and so I asked for whatever free copies I could get. In addition, XXXX XXXX threatened to file a complaint about me, if I were to complain about the bank. I then completed the task of getting XXXX month worth of copies of all my accounts, paid the fee for my business account, then closed the business account. It was my decision to leave my everyday checking/saving account open because it would take two weeks for my initial complaint ( see above ) to be resolved.
Product: Debt collection

I am writing this complaint because I have been very stressed because of this issue. 
Freedom Mortgage has been reporting false and erroneous information to the credit bureaus. 

They have committed multiple violations to the California Credit Reporting Act : - Incomplete information. 
- Different reporting across bureaus. 
- Failing to investigate accounts. 

So many other violations. Please send the attached documents to Freedom Mortgage. 

Thank you so much, CFPB.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX  XXXX  XXXX  Address : XXXX XXXX, MO XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX IL, XXXX Dear XXXX  XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this
Product: Debt collection

I was notified by XXXX XXXX that there was a change on my credit reports and when I checked there was a negative remark about a collections debt from Diversified Consultants, XXXX, FL for a debt owed to XXXX XXXX. Diversified Consultants has never contacted me in writing allowing me the right to dispute this debt, which was originally disputed back in XX/XX/XXXX when XXXX XXXX was trying to collect the debt for XXXX XXXX. The Diversified Consultants basically notified me of this debt when they placed the negative remark to the credit agencies. Back in XX/XX/XXXX, I submitted a complaint against XXXX XXXX and XXXX XXXX, complaint # XXXX, regarding the same notification practices. At that time, the complaint was resolved by the debt being disputed, the negative remarks deleted from my credit report and it being closed.
Product: Debt collection

Receivables Management Systems is damaging my credit by illegally reporting collections on a medical debt of less than {$500.00}.
Product: Debt collection

My grandmother called me to tell me that Midland Credit called her home in another state to collect a debt and I never gave them her number. They have been calling Unknown and from odd numbers at all times of the day. The account was closed and then reopened without my knowledge or authorization so I would like for them to cease all communication with me and my family. XXXX XXXX has been paid and I will not pay the debt twice. Please forward my 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX