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

XX/XX/2022 XXXX removed an account named XXXX XXXX which was reported as a charge off on my credit. Ive spent a months trying to get the account removed bc it is not my account. Ive submitted paperwork to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). Even thought, XXXX did a thorough investigation and finally removed the unknown account Equifax, and XXXX are failing to comply. Ive been submitting documentation to my claim and still nothing. This entire situation has cost my credit score to be in a position were Im not able to obtain a vehicle and able not have reliable transportation to work for my family. Ive become emotionally distressed, which is causing me to be depressed.
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 I do not want to have this information that does not belong to me in my report
Product: Mortgage

My name is XXXX XXXX. My loan number is XXXX for the property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX The last four numbers of my social security number is XXXX. My home address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX, My phone number is ( XXXX ) XXXX My email address is XXXX On XX/XX/19 I wrote a check to Fay Servicing, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX my mortgage servicing company for {$19000.00}. This payment covered 2 mortgages with an extra {$100000.00} for principal. The {$10000.00} was clearly marked for principal on the payment slip. This check was check XXXX. 

Fay servicing made an error and applied the whole amount to payment. They said I do not have to make another payment until XXXX.. I told them I want the {$10000.00} applied to principal, as originally requested XXXX said that they would correct the account. XXXX advised me to throw out the current statement and wait for a new corrected statement in the mail. I did not get a new statement until the end of XXXX. This statement has a late charge on it of {$24000.00} I do not believe I should have to pay this late charge. I was unable to pay the XXXX mortgage payment on time as Fay Servicing had not yet corrected their records and were stating that the mortgage was paid up till XXXX. At no time during my conversations with Fay Servicing was I advised that I should make another mortgage payment in order to avoid a late fee, I believe Fay Servicing should either waive the late fee or pay it to the lender themselves.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Debt collection

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Credit Systems International Inc. and it is showing on my credit report without my consent. I have no contract with Credit Systems International Inc and have given no consent for them to use my name, likeness, or credit data. XXXX XXXX sold my personal information to this company. Without permissible purpose. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Consumer Loan

Chase removed my autopay 14 months after I set it up then reported my account delinquent when payments were not made. I asked them to remove the late payments reported on my account and they insist on the marks being valid. This has caused me to spend hours attempting to fix the issue and also my credit score going from XXXX down to XXXX. This has a tremendous impact on my business as we rely on credit to purchase.
Product: Checking or savings account

On this particular date XXXX XX/XX/year>, I put in the order for flooring from Lowe 's home improvement, this is the second time they have done this trick, they will take out the money out of my checking account which is with XXXX Bank, for the purchase that I made with Lowe 's online, and And before I pick up my items at lowes, they put the money back into the checking account, which is XXXX Bank, towards the end of the month when money is scarce, thinking I will spend the money causing a negative balance in my XXXX Bank account, But I don't believe is XXXX Bank doing that transaction I think it is synchrony bank doing a transaction in a chase account because Lowe 's is under synchrony bank so my complaint is against Lowe 's banking system who banks with Synchrony Bank, In my complaint is that they're pulling and crediting money in XXXX Bank to look like I have more money than I have and then on a Tuesday taking the money back out so it'll leave an overdraft in a chase account initiate by Lowe 's home improvement under Synchrony Bank 's banking system call me if you have any questions. 
Who : Synchrony Bank/Lowes What : crediting and removing credit a transaction XXXX in another bank XXXX bank When : on XXXX XX/XX/year> Saturday then again on XXXX XX/XX/year> Tuesday For a order thru Lowes on XXXX XX/XX/year> 2024
Product: Debt collection

XX/XX/2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for XXXX. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is Sessoms & Rogers PA. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX  {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX (  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b
Product: Credit reporting or other personal consumer reports

I have an account that's on my credit report that is due to identity theft ( XXXX XXXX # XXXX ) Both XXXX and TransUnion both have refused to remove it. Also I have a Bankruptcy being reported on my reports that is incorrect both credit reporting companies have claimed they verified the bankruptcy ( XXXX ) which is false. First I was told that they verified it with XXXX XXXX which is not false. I obtained a copy of my XXXX XXXX report and it is not on there. Then I was told the court had verified it but then I have correspondence from the courts stating they do not verify. Also TransUnion has been reporting an incomplete docket XXXX. ( enclosed ) which is a violation of FCRA rules.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( e ) b The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Trans Union would not allow me to gain full access to my credit report because I have initiated a freeze with this company for failing to deal with the disputes of inquiries in the past. Today, I was able to only initiate a dispute through their DISPUTE website PAGE when I realized that there is inaccurate information being reported by my credit union. In an effort to dispute BOTH accounts that are inaccurately reported, Trans Union would only ALLOW me to initiate ONE disputed account at time and their rules require that I wait the full 30 days before another dispute can be initiated. This rule prevents me for having full access to accurate information being reported by them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX aka XXXX aka XXXX, XXXXXXXX XXXX XXXX XXXX has been asked countless times that, XXXX XXXX XXXX, signed a contract to payback debts and have recieved no such documents. Now they have sent a law firm, as a scare tactic, to get the debt paid. This is harrassment, first and foremost, worse yet, it's on a disable person. Secondly, they don't have the right last name, my last name is XXXX, not XXXX and I can show the proof, unlike them. I have disputed these debts a number of times with Experien and lost. Now I have gotten two hassment letters from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I had gotten letters last month from another law firm to scare me, I am tired of the harrassment. It's time for you guys to deal with them.
Product: Debt collection

American Coradius international sent me a letter about owing {$1100.00} to XXXX. My XXXX account has no negative balance, and its likely someone opened an account in my name. XXXX agreed that my account is not in arrears.
Product: Mortgage

Hours at work were decreased which resulted in XXXX of loss wages per month, fell behind in mortgage, was approved for repayment plan of XXXX per month. Could not afford that, was told to re-apply for modification, was approved for modification but mortgage payment increased. How is that going to help??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom this letter may concern, I am writing to inform you that I am disputing the reinsertion of previously deleted accounts XXXX  XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$1000.00}, XXXX  XXXX # XXXX BALANCE {$780.00}, XXXX XXXX, # XXXX BALANCE {$790.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice from your end. 

According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 

In accordance with the requirements of the FCRA section 611 ( a ) ( S ) ( B ) | ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( 4 ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.

Please govern yourself accordingly.

I am requesting that these items be deleted from my credit reportimmediately, and an updated credit report be provided to me. If action is not taken promptly, I will have no choice but to escalate the matter to the Federal Trade Commission ( FTC ) and file a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

I hope you will take this matter seriously and resolve it as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I attempted two times to open an account online and I was directed by email to take documentation to a branch office. I took the documentation and both times were ad used they could not assist in opening the account and could not give me any reason. I was given a number to call and they also were not helpful. The bank refuses to provide me the exact reason why they refuse to open a checking account in my name. I pulled my chexsystems report and there is nothing there that is negative and nothing on my credit report either. I have even taken off the credit alerts from 2 of the 3 major credit agencies. 1 of them is forcing me to submit the request by mail.
Product: Debt collection

this debit was paid to XXXX on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by XXXX to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something XXXX failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since XXXX never sent me a letter showing that the debt was settled.
Product: Debt collection

there are unauthorized inquires on my credit report. i have attached a ftc report that shows unauthorized inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported that I was delinquent on the report in XX/XX/2021. This is incorrect info as I as in Forbearance with them. I have a letter proving that they made a mistake. Please correct this as soon as possible. Account shouldn't be showing delinquent at any time.
Product: Mortgage

I'm requesting Carrington Mortgage to provide dates and payments amount that my Loan # XXXX was in the CARES ACTS ( Mortgage FORBEARANCE ). Carrington mortgage explained the unpaid months would be added to the end of mortgage term. During the process of selling the house we were told that we have a lien on the house at an outrageous amount.

Again, I'm requesting paperwork showing me how they came up with that amount. Being in the forbearance time would not added up to the amount that I had to pay at closing.

Carrington you have overcharge us. Please respond back with actual amount. If not I will be taking this action to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX 

This, XXXX XXXX XXXX
Product: Debt collection

A company called Puget Sound Collections is reporting that I owe them a debt of {$1200.00} and keeps illegally increasing the debt owed on my report every month. The account number being reported to my credit is # XXXX. I have never had any dealings with this company and do not know why they want me to pay them this money. There is no reason for this debt to be on my credit report. I received no written notification that they were placing this debt in collections and I only discovered it was on my credit in recent months. I will also need to understand why they are increasing the balance owed on my credit every month. My XXXX XXXX credit report shows a balance of {$1100.00} and my new XXXX XXXX credit report shows a higher balance of {$1200.00}. Under the FDCA 808 which  governs unfair practices, a debt collector is not allowed to add their own fees or expenses to any amount being collected on. It appears this is what this company is doing in trying to collect this debt and this is completely unacceptable and unethical. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. They appear to be based in XXXX Washington and I have never lived in Washington in my life. I will not give my money to a company that I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting or other personal consumer reports

I noticedI have 2 credit inquiries that I did not authorize. I tried disputing this manner before contacting you guys, but I was unsuccessful. Can you guys please step in to help me? 
JPMCB Card ( Bank ) XX/XX/XXXX JPMCB Card ( Bank ) XX/XX/XXXX
Product: Credit card

After I legally parked my car and paid the fee, my car was booted prior to expiration of time. I was threatened and forced to pay for boot removal. Did not accept or consent but signed under duress. They acknowledged I was right but still demanded payment. They also altered the credit card receipt by scratching out time and writing in a later time that made me appear delinquent. Chase dispute team put me through hoops and wasted lots of my time. I faxed the documents and a narrative. They considered the charge valid and contended that I agreed to service rendered ( removal of boot ) though receipt says " no service rendered ''. They did not care that the documents were altered. This company clearly goes along with fraudulent conduct by companies scamming their clients. No recourse for me except leave Chase which I have. Terrible treatment designed to " make you go away '' through transferring calls, disconnecting calls, failure to return calls, placing you on hold indefinitely, ignoring documents sent to them at my expense. Never did they intend to assist me.