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

I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

RE : Richland Holdings , Inc. d/b/a ACCTCORP OF SOUTHERN NEVADA We firmly believe this debt collector regularly violates the FDCPA rights of the consumers against whom it collects. 
In our case, specifically, they took a debt approximately worth {$2900.00} and within 2 years turned it into {$10000.00} ( that 's over 3,000 % in interest and fees ). Further, the interest rate, 24 %, which they claim to have used in our case is excess of the max penalty of 19 % assigned to the contract tied to this debt which was with XXXX. This debt collector enriched itself unjustly in my case by misrepresenting the amount that is owed and charging exorbitant interest fees on top of the original debt. 
I would like this company Richland Holdings , Inc. d/b/a ACCORP OF SOUTHERN NEVADA to be investigated for false representation of the amount owed and unfair practices, which are both violations of my rights under the FDCPA, and for predatory business practices and unjust enrichment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for XXXX Form and Correction of Credit Reporting Errors Greetings XXXX, I hope this letter finds you well. I am writing to formally request that XXXX XXXX Credit Card issue a XXXX form for the account referenced above ( Account XXXX ), which was charged off on XX/XX/XXXX for the amount of {$3700.00}. This debt has since been sold to XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), creditors are required to provide a XXXX form for any debt that has been canceled or forgiven. Failure to do so not only hampers accurate tax reporting but also violates these regulatory requirements. 

Moreover, it has come to my attention that this account, despite being charged off, is still inaccurately reported to the XXXX major credit reporting agenciesExperian, Equifax, and XXXX. I mailed this letter off on XXXX XXXX and asked for the XXXX XXXX responded by sending my credit statement. This constitutes a breach of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and up-to-date. 

In light of these issues, I request the following actions be taken within five business days : Issuance of Form 1099-C : Please send me a completed 1099-C form for this account so that I can use it for my tax records. 

Correction of XXXX XXXX : Immediately address and rectify any inaccuracies related to this account with XXXX, Equifax, and XXXX. This should include updating the status of the account to reflect the charge-off accurately or removing the account from my credit files if appropriate. 

Please be advised that failure to comply with these requests within the specified timeframe will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Debt collection

I am filing a complaint about Jefferson Capital System They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Jefferson Capital System is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Jefferson Capital Systems needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of  contract to include XXXX XXXX. I am aware Jefferson Capital Systems is a Third Party collections firm. I do not wish to do business with them at all.
Product: Student loan

Information that I have gotten I have managed to get off the website. I had moved from the address that Navient had. I have been in multiple forbearances and requested an income driven repayment plan which I was denied. I requested this due to my husband being unemployed and I am the sole provider. He has been unemployed for 16 months. These loans hit my credit as " past due '', a total of XXXX of them which killed my credit score that I was trying to rebuild, why could just not one total have been put on there. Since then I have paid off XXXX small loans XXXX & XXXX and set up payments on XXXX, XXXX, XXXX, XXXX and I believe I have forbearance for XXXX & XXXX. Since Navient is involved in this type of lawsuit should they NOT be allowed to report things to the credit bureau. Seems a little unfair. What do I need to do to possibly get this information removed from my credit report? I really am not sure just how bad my loans have been effected due to forbearances that seemed to be the best option since I was denied they income driven payment plan.
Product: Checking or savings account

Hi my name is XXXX Im being a Citibank bank client for 7 years. My financial situation is like a roller coaster because I have XXXX so when Im in good heath I work full time but sometimes I get I XXXX XXXX   XXXX  and I ended up in the hospital so thru since XX/XX/XXXX to today XX/XX/XXXX Im being charge {$1000.00} overdraft fee and return payment fee. When I call they dont want to help at all and when I went to the Citibank facility I explain to them my situation and they not willing to help its hard to being nock the door and no being heard and on the top of all I got a friend of my who work on the XXXX facility as a teller when she was training her draw was short {$700.00} and the manager said it was ok so. Me as customer being maltreated felling like Im begging for money. When i trying to apply for checking plus they told I dont qualify cuz I dont have a social security.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting acurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accurancy. This account ha not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX, XXXX XXXX and XXXX XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for you understanding and promp action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate, unverified and fraudulent item listed on my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX I have disputed these items with XXXX and XXXX in the month of XXXX, XXXX and XXXX of 2023. 

I have called American Credit Acceptance in XXXX of 2023. 

I'm attaching a letter that was sent the above address above stating that it American Credit Acceptance is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( Me ) XXXX XXXX XXXX and American Credit Acceptance should not be INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Debt collection

Billed for $ XXXX but upon request received verification for only {$82.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 or other personal consumer reports

Unauthorized items have appeared on my credit report due to the fraudulent use of my personal information, and I have not benefited from these transactions in any way. Taking this matter seriously, I filed a report with the Federal Trade Commission, expecting a resolution. However, despite following the proper steps and reporting this fraud, these items remain on my credit report. This situation is extremely frustrating and stressful, as I am left dealing with the consequences of someone else 's misuse of my identity.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my XXXX credit score was XXXX and XX/XX/XXXX XXXX lowered my credit score over 100 points to XXXX without an explanation. I called and wrote XXXX to give me an explanation but was told that they have the right to lower ech time they evaluate my credit report even if no new credit is applied
Product: Checking or savings account

yes on XXXX I open a checking account with Citibank the will not help me with my issue I have called the customer service number multiple times and gone into three branches with my California id and Citibank debit card and social security card the clam I am a frudulant and will not help me this is XXXX as I have an account and can not access my own money either through my debit card or online
Product: Credit reporting

I have a credit alert service with XXXX. I received an alert today indicating that a credit inquiry was made by Experian on behalf of XXXX on XXXX/XXXX/2016. There should be no reason for this credit inquiry and may indicate fraud. ( Our tax returns were fraudulently submitted last year. ) See attached jpeg. Your help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXXXXXX XXXX  XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 XXXX transferred {$790.00} from my XXXX checking account to an unknown financial institution. 
I have filed a complaint with XXXX XXXX see attached documents ) and contacted XXXX. So far, XXXX has refused to provide the name of the financial institution that received the transfer. I won't accept that that is proprietary information. My money was intended to go to XXXXXXXX XXXX, XXXX has confirmed that that did not happen. 

The transaction number is XXXX
Product: Mortgage

IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.
B ) Secondly, mortgage loan was serviced by XXXX XXXX.
C ) Thirdly, mortgage loan was serviced by Bank of America.
D ) Fourthly, Bank of America denied mortgage for a Hamp Modification.
E ) Fifthly, Bank of America did a In-House Modification.
F ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.
G ) Seventhly, Bank of America transferred Loan to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 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. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

BSI Financial Services Attention : Qualified Written Requests XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Qualified Written Request - Notice of Error or Information Request BSI Financial Services ran a new escrow analysis and they are escrowing for the home policy twice once listed as home and once listed as wind. Therefore my mortgage payment went from {$2100.00} to {$2500.00}. My Homeowners insurance agent spent several hours trying to explain to them their error. They have not corrected the error and they keep calling to collect the {$2500.00} they are also sending me written notices for late payments and 45 days late notice. They insist I have to pay the XXXX in full or I will be in default. I made the payment today XX/XX/2022 in the amount of {$2500.00} even though that amount is incorrect. I have XXXX children and I am afraid of the negative consequences this may have on our lives and credit. I have discussed this not only with the customer service agents at BSI Financial on several occasions and they can not and will not provide me a written explanation. My Homeowners insurance company has e-mailed them my complete homeowner package which provides ALL necessary coverage on two separate occasions and My agent has spoken to them on a conference call with me several times. I have included a copy of the escrow analysis where you can clearly see the double amount. and the 2 monthly statement with the increase of {$380.00} which I should not be paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; 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 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 XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My bank stated that the mobile deposit didn't come through on the check. So., I took the check to PLS to cash. Well the bank somehow reported that they had cashed the check and they didn't. I informed them that I was disputing this with the bank and needed time to do that. They inturn sent a letter to my job, which caused them to think I was stealing and they fired me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took a 6-month forbearance in 2021 through XXXXXXXX XXXX. Immediately upon the end of the forebearance, we negotiated a loan modification to include the amount owed rolled into a new loan at a higher interest rate ( of course ). During the end of this loan modification process, XXXX bought our loan and has not updated our our account with the signed loan modification - even though we have provided the signed modification that is currently on our XXXXXXXX XXXX  account website, along with our payment history. We have not missed a payment. 

XXXX also has documentation of us honoring the terms of our loan modification on their website but said administrative issues have precluded them from transferring the modification and updating our account properly. 

I have a signed copy of our notarized modification, and both XXXX and XXXX have documentation showing we have met the terms of payment. 

We would like to sue XXXX and XXXX for mishandling our loan modification and causing harm to our credit report and livelihoods.
Product: Credit card

Between XXXX and XXXX a hard inquiry was placed on my report for Synchrony Bank / Amazon that I did not authorize.