23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection notice from XXXX XXXX/National Recovery in the dollar amount of {$220.00}. They have reported to the credit agencies that the account was opened in 2018 which is incorrect. I have tried to sort this out with them but have gotten no resolve in the issue. They have deliberately pushed the open date up by two years thus adversely affecting my credit scores and extending the standard time that the collection would stay on my credit report for. Unfortunately by increasing the negative reports for a longer period of time causes my credit opportunities to diminish, my percentage rates to be higher, as well as pay higher insurance premiums and reduces my contributions to the economy. I would like to have the cfpb look into this so that it may keep other consumers safe from being taken advantage of and made to suffer the same negative effects that it has burdened me with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX documentation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of an item ( or items ) on my credit report as provided by your agency under the standards established by theFair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. I believe this/these item ( s ) is/are inaccurate or incomplete and must be investigated and corrected in a timely manner. Per the FCRA, I am entitled to an investigation into this matter, and inaccuracies must be corrected or removed if they can not be verified within 30 days of receipt of this letter. 
It is important to note that consumer credit data has become increasingly vulnerable in recent years due to significant data breaches involving credit reporting agencies. As you are aware : XXXX. Equifax : In XXXX, Equifax suffered XXXX of the largest U.S. data breaches in history, exposing the personal information of approximately XXXX XXXX consumers. Hackers accessed sensitive data such as Social Security numbers, addresses, and dates of birth. 
XXXX. Experian : While not as widely publicized, Experian has also been involved in multiple security incidents, such as the breach in XXXX that exposed personal information of XXXX XXXX individuals in connection with a XXXX  data breach. 
XXXX. TransUnion : TransUnion has also faced scrutiny and lawsuits for data security issues, including manipulation of credit files and breach incidents involving unauthorized access to sensitive consumer data. 
Given the data breaches that have exposed consumer information, it is even more critical that the accuracy of information reported be thoroughly vetted and corrected where necessary. 
Additionally, I am requesting that you provide me with a full investigation and validation of this/these disputed account ( s ) and a report of your findings. Pursuant to the FCRA, you are required to notify me of the results of your investigation within XXXX calendar days and provide me updates to my credit report should any inaccuracies have been found and corrected.
Product: Credit reporting

Background : XXXX XXXX, 2015 - I consolidated XXXX student loans into XXXX prior to XXXX 2015 I did not have a loan contract with XXXX. 
I am in a housing program called XXXX seeking a housing mortgage. When they pulled my credit I was told I have a collection on my credit report from TransUnion and XXXX. 
Naturally I pulled my credit and my account with XXXX/XXXX student loan is indeed showing up as in collection and late -TransUnion 120 days late, XXXX 180 days delinquent. 
I would like to contest this information incorrect again. My account is not it in collection, not is it 190 days late. 
I have attached : 1. the consolidating lending contract dated XXXX XXXX, 2015, 2. XXXX account summary account XXXX, 3.XXXX disputes sent electronically, 4. XXXX credit report with credit bureau findings. 
I can not apply for a housing loan with derogatory information on the credit report. 
I would like this derogatory information removed from my credit report.
Product: Debt collection

The collection agency told me they would send exactly what the debt was pertaining to and I never received anything. I called XXXX and they told me they did n't know what I was talking about with the debt because I was paid up
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inaccurate personal information is being reported by the credit reporting agencies and violating my rights in accordance with the Fair Credit act : 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 FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dept of VA Department of VA XXXX VA
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, XXXX, TransUnion and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against XXXX, XXXX, TransUnion and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.
Product: Vehicle loan or lease

Kia Finance mailed a Property Tax Assessment letter to me, dated XX/XX/XXXX for XXXX XXXX XXXX lease XX/XX/XXXX. I filed Form 50-285 ( Lessee 's Affidavit of Primary Non Income Producing Vehicle Use ) with XXXX County. In fact, I filed for XXXX and XXXX. XXXX County notarized the form and I mailed a copy to Kia. A follow up call confirmed they received it. My issue is the letter states XXXX County Tax Collector has assessed a tax which I know they have not because I visited TCAD ( XXXX Central Appraisal District ) who confirm no tax has been assessed and they have my Form 50-285 on file. I contacted Kia and requested validated, documented proof tax has been assessed, who assessed it and if Kia actually paid it, I need that proof as well. I have called several times and have requested to speak with someone in their Property Tax Dept because the CSR 's are ill-equipped to answer tax questions. KIA will not transfer you nor let you speak with anyone in the Property Tax Dept. I even asked if the Property Tax Dep could call me, but they do not do call outs. Oh and they are quick to state your contract states you will pay any taxes assessed, but if they expect me to pay property tax, I need to see proof of the tax. FYI : The first I mailed Form 50-285, they confirm receipt of form and accepted it. Now they are rejecting it. They are non-consistent at best.
Product: Student loan

I had multiple federal and private student loans during my time in college. During my personal bankruptcy case after college, I found that after my discharge was granted that, while most of my student loans were moved into the automatic stay, XXXX was not. I was the only signer on this loan and never intended or tried to have my student loans discharged during my bankruptcy case. All of my other loans resumed as normal after my case was discharged after some time, all except XXXX from my KeyBank loan. Unknowingly, they had moved my student loan into default and discharged it during the course of my bankruptcy, all without any of my knowledge or contact from them ( due to the rules of bankruptcy ). My complaint here is that it has been negatively impacting my ability to obtain better credit since it shows as an outstanding collections balance. Now, I pay far more monthly to their collections arm than I would have if the loan would have resumed normally, like every other loan I hold. I feel this was unfair treatment during a bankruptcy, unfair reporting of my credit situation, and an unfair balance to pay off as a lump-sum. I have no means of recourse here since this item was nestled tightly into my promissory note and seems at odds with the inability to discharge a student loan without proving undue hardship, which I never pursued during my case. I do not have any requests beyond repairing my credit standing and paying a fair monthly charge, something of which I was never given the option. My lawyer claimed she had nothing to do with this portion of the bankruptcy and washed her hands of me and my case. What are my options now other than sit back and take it on the chin? I have attached a copy of my credit report from last year and my most recent statement from them with the monthly payment amount I currently pay.
Product: Debt collection

CRME uses deceptive practices by changing their caller ID to a local number so you think that it is someone you know. In my case a caller ID is shown for XXXX but the number left on my voice mail is not the same nor aresponsible they located in my area code so this method is very deceptive and in violation of FDCPA by spoofing the area code. On top of this my account was eligible for financial write off by original provider due to my being way below the XXXX guidelines and should not be sent to collections at all. I have sent notice by mail stating this already. Previous debts by same provider were written off for this same reason which shows I am eligible for the year debt was incurred.
Product: Credit card or prepaid card

I use a Barclay Red Aviator Card for business travel. I recently made a XXXX $ on XXXX payment that was processed and paid. Barclays after the fact place an additional hold on that payment to not reflect until XXXX. Upon calling I am not told why the additional hood was placed but simply told its out of their control. I dont have these issues with my other cards when I pay a bill. I found out while trying to use card to check in for week. It was declined who h had me confused. I paid with other card. Not only do I now need to wait till XXXX $ hold Barclay placed on my payment but I somehow also have to wait for a payment they declined XXXX XXXX XXXX to get dropped from authorized hold the placed. Their customer service stated she couldnt do anything and I could try calling next day. Not good business practice either way. But I can imagine it benefits them to hold money till XXXX and I want to know why the hood was placed and if I am now expecting this to happen again.
Product: Credit card

On XX/XX/year> I pulled a copy of my credit report and noticed a Bank of America credit card with a balance of {$9400.00}. I haven't made any purchased in years and should have a XXXX balance. I called the bank, and they wouldn't give me any information stating that they couldn't authenticate my account because of a phone number. The phone number they had belonged to my XXXX XXXX XXXX XXXX XXXX XXXX, but she is the one I suspect of making these fraudulent charges without my permission. The bank told mt to go into a local branch with two pieces of ID but the above XXXX took all my personal belonging as we as my wallet so I'm in the proce4ss of getting them replaced but have future appointments with the DMV and social security office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, XXXX and TransUnion.
Product: Prepaid card

I was gifted 2 American Express gift card by my employer on XX/XX/2023. I can see the card was purchased the day prior on XX/XX/2023 of {$500.00} each. On XX/XX/XXXX I was able to use one of the cards just once and have not been able to since I have tried both online and in store and no luck. There is a balance of {$350.00} on one card and {$500.00} on the other that I am unable to use I have tried XXXX, XXXX, XXXX, XXXX, XXXX and all declined. I called customer service and they advised me that maybe there is not enough funds but I stated there is more than enough ( {$850.00} ) and they said they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance {$78.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 2021
Product: Checking or savings account

CIT IRA Department. 

After several calls to customer service regarding my RAMP up IRA CD one time increase and being told no increase available, even after 3 Federal rate increases. I asked to take to a manager. 
Speaking with a supervisor XXXX XXXX yesterday ( XX/XX/2018 ) XXXX said that marketing had no intention on increasing the rate on my Ramp up IRA CD. I was told I not the only customer calling to complain about this. My option was to break the Ramp up CD and increase the term with a 13 month CD. At this point I dont trust this CIT Bank for this Bait and Switch option.

I told him this was wrong and I cant believe his CIT bank is not living up the terms of the Ramp up IRA CD with a cap of 2.49 %. My IRA CD Raise your rate with XXXX XXXX  was increased in XXXX from 1.25 to 2.50 %. 
I researched the these Banks thru XXXX. I think I should copy this letter to XXXX and Consumerfinance.gov/complaint. 

I would like to hear back from you this week with increasing mine and my wife 's Ramp up CD to current interest rates ( above 2 % ) not 1.26 % for the last 14 months and to finish out the current term or allowing me to transfer both IRA CDs to a more competitive bank without a penalty.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, collections and loans.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX XXXX  -DATE- XX/XX/XXXX ACCOUNT - XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXXXXXX - XXXX XXXX XXXX, XXXX, ACCOUNT- XXXX XXXX XXXX DATE- XX/XX/XXXX and all inquiries attached, I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Received an alert from my credit monitoring services that I had a new account in collections. No information provided about the account.
Product: Mortgage

1.She pulled our credit report Four times without our permission 2.long time no respond .we asked her many times processing time, but she hold our case over half a years .waste our time and money.

3.because of Covid-19, she went back to XXXX so communicate so touch and hard to connecting.she is not professional 4.She told us no closeting cost on refinancing.But she charged us $ XXXX on Commission fee .No work ethic and moral.
Product: Credit card

My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for Discover Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Tech hard inquiry on report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX not authorized
Product: Debt collection

I sent certified Mail.To all companies XX/XX/2024 MCM was sent a debt validation Letter. # XXXX Charge-Off they didnt send me1099 saying what was charged off.XXXX  XXXX XXXX  Charge off they didnt send me 1099 saying what was charge off.XXXX  XXXX XXXX  Charge off .they didnt send me1099 saying what was charge offXXXX XXXX charge off they didnt send me1099 saying what was charge off these got pay by 1099 I dont owe them anythingI want let a lone and I want take charge off and collections off Credit Report all credit bureaus and stop McM to stop gassing with legal action