23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had four late payments on an account that I was in fat on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 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 your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

Money being sent to the wrong person or unauthorized XXXX transactions
Product: Debt collection

I have never heard of this company before and have never done business with them. After some research, i found out this company is not licenced in the state of florida to collect, which makes me feel like this is A scam and illegal. This is showing on my credit report which is how I got the information.
Product: Credit card or prepaid card

I received the email from Chase XXXX, 2018 to offer me to upgrade the credit card with 50000 point incentive with increase of annual fee from {$85.00} to {$95.00}. The email only disclosed of all of good benefit of new card like 6X point instead of 5X ... etc., didn't disclose there is change of benefits. One of important benefit of {$3000.00} elite spending credit is removed with new credit card. 

That was a misleading email adv for me to upgrade the credit card, the email didn't disclose and specific indicates that {$3000.00} spending elite credit will be removed, otherwise, i will never upgrade my card by paying more annual fee with less benefit. 

I called so many times and talk to the marketing and customer service at the Chase, instead resolve the problem, they offer me free 2500 points, which i don't need.
Product: Mortgage

SPS has purchased and serviced my two mortgages for MANY years now. The 1st mortgage was paid via auto deduction monthly. Never has a payment been missed. The 2nd mortgage was paid for monthly via a manual prices in the amount of $ XXXX $ XXXX monthly. Never has a monthly payment been missed. 

Recently attempted to refinance however was declined specifically for the condition of my second loan which currently doesnt show a clean payment history through to current and also doesnt appear on my credit report. 

Roughly six months ago received a re modification package from SPS on the second mortgage. I called to discuss the refinance process about to occur and asked about how to proceed considering. I was advised to not execute the modification and continue making my payments. 

About four months into the refinance process we switched lenders due to how long it was taken. It wasnt until this switch that we discovered that while SPS was still accepting and applying my payments, that they were actually accruing money and not applying. Of the last four months, the last months payment of {$220.00} was rejected and returned while the previous three months of {$720.00} were collected, half but not applied. 

No communication. No guidance. It wasnt until a phone call earlier this month that i I was advised the loan matured in 2017 ( still they accepted and applied my payments ) and until just recently, stopped. They have not been able to supply a reason and have not been willing to work with myself or my current lender.

I have submitted a dispute, have applied for re modification with them and have submitted this complaint to you as well.

Income and credit score are superb. The only thing preventing me from bettering my families mortgage position is the handling of this loan with SPS. 

I feel like Ive been misled, have not been communicated to with any true or clear effectiveness and am now stuck likely having a budget impact of a {$600.00} swing in the negative monthly.
Product: Debt collection

I sent a certified letter to Portfolio Recovery Associates LLC to answer why they have continuously sent letters stating that I have a debt with them for over {$8000.00}. I never signed a contract with them. I ask for a signed contract with my signature to validate said debt. They sent me a letter with a creditors name, account number, and balance. There was no substantial information provided to me to validate this claim that I owe them for a debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/22 Discover financial ser. placed a inquiry on my credit report and I did not apply for credit from Discover ever! 

On XX/XX/XXXX XXXX XXXX  , placed a inquiry on my credit report and I did not apply for credit from XXXX before . 

On XX/XX/22 XXXX XXXX  placed a inquiry on my credit report and I did not apply for credit from XXXXXXXX XXXX before. 

On XX/XX/22 XXXXXXXX XXXX, placed a inquiry on my credit report and I did not apply for credit from XXXX XXXX before.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

Three months ago, I contacted Bank of America ( BOA ) to have my address changed from XXXX to XXXX XXXX. BOA sent the title to NJ DMV and I was able to register and insure my vehicle with my new address.

One month later, I fully paid off my auto loan. My loan was opened in XX/XX/XXXX and I fully paid it off in XX/XX/XXXX. After the loan was paid, I called BOA and they informed me that the title would be mailed out to me 10 days. 

After one month had passed, I contacted BOA again, this time they informed me the title was accidentally mailed out to the old address. I don't know how something like this was even possible since the change of address 3 months earlier was facilitated by BOA.

Now they have informed me, they will be mailing out a lien release. In addition to the inconvenience, it will cost me approximately {$94.00} to obtain a duplicate title from the DMV which BOA is not reimbursing. The manager I spoke to was unapologetic and quite rude. 

Why should I pay for BOA incompetence? I have never been late or missed a payment and I have worked very hard to payoff the loan in less than 15 months. Its extremely unfair that I am now driving around in a vehicle that is fully paid off with nothing to prove I am the owner. I am annoyed and very disgusted with this company. 

I want to add also that I have another car and loan with XXXX XXXX XXXX ( XXXX ). Address had also been changed and the loan was also paid off at the same time. XXXX mailed me the title to the in title to the correct address in 10 days. Agent I spoke to was pleasant and very helpful. 

Just want to remind anyone reading this that you have a choice as a consumer. After this experience I will never again do business with Bank of America.
Product: Debt collection

XXXX XXXX XXXX WAS PAID AND SETTLED ACCOUNT IN XXXX, XXXX ACCOUNT XXXX, SOLD DEBT TO AARGON IN XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, TransUnion XXXX and XXXX XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I get other people 's debts assigned to me periodically by collection agents when they can't find the right XXXX XXXX. A collection agency XXXX XXXX XXXX assigned an account to me that isn't mine. Either they have the wrong XXXX XXXX, or this is a case of identity theft where a customer used my ss # to get a account with XXXX. I do not have XXXX, nor have I ever used XXXX over the last 10 years. This alleged debt only appears on my TransUnion credit report, and not on the other credit reporting agencies. I have NO late payments, and NO collections on my report other than this alleged debt.
Product: Debt collection

XXXX XXXX has been calling, sending emails and text messages for different amounts ranging from $ XXXX. The calls started on XXXX-current ( last call was XX/XX/23 @ XXXX ). This company has harassed me non-stop, threatening to sue me, and put the information on my credit in which they did. The representatives have all said different amounts owed and also impersonated someone else to get me admit this is my debt.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I reached out to the Flagship Credit Acceptance regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from Flagship Credit Acceptance since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Car  dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX and XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time. 

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

i am formally making this complaint because XXXX and Equifax has been reporting unfair and inaccurate information on my Consumer Report. Now because their willful non compliance i have not been able to obtain any goods or Services for personal for personal, family and household purposes. According to the Fair Credit Reporting Act 15 USC 1681 it clearly states that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is also backed up by 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. May i remind you that XXXX and Equifax are credit reporting agencies. by definition A credit reporting agency ( also called a credit bureau or credit agency ) is a private company that collects and sells information about a person or corporations identifying information, debt, and repayment history in order to create credit reports and credit scores indicating the creditworthiness of each person or corporation. Credit reports are sold to qualified extenders of credit or to those for whom a would-be debtor has executed a release. Credit reports and scores are used by banks, mortgage lenders, credit card companies, landlords, and potential employers to screen applicants. 
The three major credit reporting agencies Equifax, XXXX, and XXXX are regulated by the federal Fair Credit Reporting Act and are members of the Associated Credit Bureaus of America. so with that being said Equifax and XXXX is also a Financial instution, not only are you reporting in accurate information on my consumer report but your also selling my personal information. i am no longer requesting you to report fair and accurate information on my consumer report, i am now DEMANDING!!!! you guys are reporting transactions, charge offs on my consumer report which is ILLEGAL and a DIRECT VIOLATION of the FCRA. i would like to remind you you that charge offs are considered income and income is not to be reported on a consumer report as well. 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) 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 ;. you also have also been reporting adverse items on my consumer report which is also a direct violation of the FCRA. like i said because of this, it has caused me not only financial hard but embarrassment as well going into establishments trying to obtain goods and services and being denied in public
Product: Credit card or prepaid card

I have a serious problem with Bank of America. 
The issue involved is trying to update my current information for Bank of America. 
Bank of America on my on-line checking account has an error on the verification on the form sent on-line to verify my information for their records. 
The Bank Of America verification form freezes for the verification box. The last information reflected on the form is just to verify my social security information is correct on my file. The page should drop down to allow me to confirm their information is current. I am unable to do this since this page has the error for myself the box which I could use to verify their information This should be a simple process but after XXXX hours of speaking to Bank of America XXXX XXXX they absolutely will not help me. I spoke to several Bank of America representative 's for nearly XXXX hours! 

The support team to change the form for verification put me on hold over XXXX minutes and never responded back and was rude when I first spoke to the support team that handle 's technical issues. 

I have been a Bank of America customer for over XXXX years and their service was great!. I have a dispute on file for an E-bay purchase which the seller is trying to cheat me and refuses to refund me even though I notified E-bay for the cancellation. 

Bank of America claims that the dispute was opened. With the service I have experienced today who knows what will happen next? 

The bottom line is Bank of America is unwillingly me to verify my account for Bank of America since the form on my on XXXX Bank of America has this error of not letting complete the verification form complete since Bank of America XXXX has an error to verify the account by the form having the error of being incomplete since the verification box will not reflect on the form. 

As a result of this I am unable to access activity in my account or use any on-line service provided under the term XXXX or any on- category. I could have opened my dispute myself but can not since Bank of America refuses to correct the form or send another form to verify my information. 
I do not understand why a Bank of America refuses to confirm their updated confirmation via phone or E-mail. 

Bank of America is terrible with awful customer service. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Prosper clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. Prosper has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of. 

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

PROSPER did not disclose this information to me that is required by federal law. 
PROSPER knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
PROSPER knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

Please see attached the letter sent to Prosper addressing this violation and their letter back to me.
Product: Mortgage

On XX/XX/2021 Harbour Portfolio, XXXX XXXX And XXXX XXXX XXXX changed my locks and removed everything I owed. I am homeless because of this Action. They came to the home and my brother answered the door. They told him that they were the Mortgage Company and he had to leave. The servicers have changed their name several times. The Attorneys involved are Atty XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX Texas.
Product: Debt collection

I was notified that a collection agency reported a debt on my credit report in the amount of {$640.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Debt Recovery verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Debt Recovery and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Debt Recovery requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.
Product: Credit reporting or other personal consumer reports

I woke up in a good mood but It was immediately destroyed by the inaccurate accounts from my credit report.
Product: Debt collection

Since, XX/XX/2022, RESURGENCE CAPITAL SERVICES has tried to contact me in regards to an alleged debt that they purchased from an alleged original creditor for {$830.00}. In the first 5 days of contacting me, they did not provide proper evidence in sending me a confirmation of the contents pursuant to 15 usc 1692g ( a ). Prior to communication they did not receive written permission to contact me. I have received at least 3 emails, every week from this entity. So far I sent them a letter to dispute the alleged debt demanding they validate the debt within 30 days of receiving my letter.. They received the letter on or about XX/XX/2022. After receiving my letter to dispute, RESURGENCE CAPITAL SERVICES is still attempting to collect via consumer report. I am documenting each individual action taken by the debt collector. I have been harassed and threatened to be sued for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  reports to credit companies before my cycling dates. My bill is due on the XXXX They reported on the XXXX My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX XXXX this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.