23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing right now with wish to obtain your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing superior credit worthiness. You play a vital part in this procedure. I am inquiring about the account number referenced within this complaint. 
I see you have reported me 30 days late to the credit agency 's ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 and I am writing to get this remark took back. I had believe I had made all my payments on time, the only thing I can think of, is actually that my statement failed to get to me in time
Product: Mortgage

I am refinancing my mortgage and needed a payoff quote. I clicked the payoff quote link accidentally 3 times. {$25.00} was charged to my balance each time. This is an auto generated document and costs nothing for the company to generate! It should be charged only one time!

I contacted customer service last week and they said they would request a refund but as of today ( 4-5 days later ) it still has not been refunded. The {$75.00} in fees is now coming due and I am worried they will report me late on my mortgage if I don't pay them!
Product: Credit card

The company did not resolve any disputes I had with the card even though it was fraudulent. I provided reports and paperwork to them about it. I even spoke with the merchant about the charge and that they agreed to refund it. I told the company that i want to close the account and they did nothing. The company let my account accrued fees after fees for months before closing it. The company sold my account to a collection agency and now they are after me. 

The merchant that gave me the refund called me and said that it was sent to the original payment which was the company card. I called the old company card and told them i have a refund coming in and that i need them to send me the refund since they reported the account to collection already and its reporting in my credit file. They said that they will not send me any of the refund and that the i have to call the collection agency to talk about the account but they will keep the money. 

It's not legal for them to just sell my information and give my account to collection agency and still receive the refund i had with the merchant. The company charge me fees after fees for months and not closing my account.
Product: Mortgage

Nationstar Mortgage order of how the documents were put into the record and filed XXXX Appointment of Sub Trustee XXXX Notice of Trustee Sale XXXX Assignment of Deed of Trust ( Should of happened before Notice of Trustee Sale ) XXXX TRO FIled with Court at XXXX XXXX XXXXXXXX  TRO Signed by Judge XXXX XXXX at XXXX XXXX XXXX Bond Paid in Cash {$2000.00} @ XXXX XXXX ( Within 24 hours ) Looks like they did n't have deed when they started Foreclosure. Only recorded on XXXX which is less than 30 days before foreclosure of XXXX and after they started foreclosure. also the bond has to be placed within 24 hours of the TRO. Not before because we dont know the amount to be set at TRO hearing could be 100-10,000 .dollars. So we are all good on that. Then we have the fact that the Lender is the only one who can file the notice to subsitute trustee not servicer or trustee or anyone only true lender. thats three. 

What had happened is NationStar illegally foreclosed on XXXX XXXX, XXXX against a judges order and stole our property then in XXXX of XXXX sold the Note to a third party at a private sale this third party evicted us out of property in XXXX XXXX. We are homeless now. Nationstar violated many statues and stole our house and resold it. we never missed any payments all were paid up until XXXX XXXX when XXXX XXXX XXXX refused our monthly payment because of not owning the note but were taking payments acting as servicer.here is the escrow closing # XXXX and Doc # XXXX the MERS # XXXX Through XXXX XXXX XXXX XXXX was never a MERS Member so I dont know how they can register this to the MERS data base. but its in the Deed of Trust. Loan number XXXX XXXX XXXX XXXX XXXX email. XXXXXXXXXXXX I can provide all documents upon request.
Product: Debt collection

I have a court order document by the judge that my case was dismiss without charges. Yet this company after contacting them over and over and disputing with this court order document. They keep reporting to my credit and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX  No. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my Equifax credit report. May 2023, I applied for an auto loan at dealership and was made aware of multiple inquiries on my credit report that I did not authorize. 

It is my understanding that FICO scoring models typically consider multiple inquiries for the same type of loan ( e.g., auto loans ) within a certain timeframe as a single inquiry. This practice is meant to accommodate rate shopping by consumers. As per XXXX 's policy, these inquiries should be grouped together and not negatively impact my credit score multiple times.I currently have 21 and it looks like I keep trying to finance with multiple dealers The inquiries I am disputing are listed below : [ Inquiry 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  ] I believe these multiple inquiries are related to my single application for an auto loan and should be treated as a single inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiries from my credit report.-Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original request for Experian to correct and update information on may credit report on TWELVE of my accounts began in XXXX of XXXX. They fixed ONE account, so I followed up in XXXX of XXXX, Again NOTHING was done, so I submitted a complaint through cfpb - and the response I got was absolutely NOT what I asked them to investigate in my complaint. I made it very clear that ELEVEN of these accounts are XXXX XXXX XXXX and XXXX  ( student Loans ) and not to mention they are ALL CLOSED AND PAID IN FULL. Now their response says " they verified with the furnisher and they responded that the information is reporting accurately '' NOT ONLY IS THIS FALSE INFORMATION- EVEN IF THEY DID VERIFY WITH THE FURNISHER - IT IS REPORTING INACCURATELY. 

A PAYMENT STATUS IS SUPPOSED TO REPORT AS THE CURRENT PAYMENT STATUS. 

How do you report a payment status saying " paid was past due 120 days '' when there is no reported two year history, and it obviously shows closed and paid in full? This is an FCRA VIOLATION- it is outdate- incomplete- inaccurate - what ever word you want to use, but it is wrong and harming my credit score. - These are for the XXXX XXXX XXXX accounts there are 5 of these. 

The XXXX accounts- there are XXXX of these- are all over XXXX XXXX XXXX. They are reporting payment status as " Paid was past due 120 days '' as well as a two year history from XXXXalso per FCRA guidelines you are not to report a history older than XXXX XXXX XXXX. And they were all 6 paid in full and closed. So the payment status is WRONG and the two year history needs to be removed. 

The last account is kashable- again this account is current and has been current- they are reporting a derogatory payment status of " current, was past due 30 days two or more times '' which this again is WRONG and outdated. the thirty day late they are reporting XXXX of XXXX is INACCURATE they are the only bureau reporting that late payment and I was not late. 

So this being the FOURTH time I have asked EXPERIAN TO ACTUALLY READ THE COMPLAINT AND CORRECT THE INFORMATION THEY ARE REPORTING INACCURATELY, NOT THE FURNISHER, IF THIS IS NOT CORRECTED ON ALL TWELVE OF THESE ACCOUNTS I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT DUE TO THE BLATANT DISREGARD FOR LAW AND THIS HAS BEEN GOING ON FOR OVER 6 MONTHS!!! 

I Have included the 4 letters that were sent certified mail, Ive included my cfpb complaint that was submitted in XXXX, I included their ridiculous response, and Ive included a copy of ALL TWELVE accounts credit report with the payment statuses highlighted.
Product: Credit reporting or other personal consumer reports

The following account is inaccurate please delete all the negative accounts listed below : Also I'm not using or helping credit repair company I received some email from the 3 bureaus saying I'm using 3rd party. No! I'm sending all letters and filling complaint on my own. I attached the letters and documents below for you to review and verify 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 Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX Transworld System INC.Also XXXX there is an account that was previously deleted and re added XXXX XXXX that I would like a certificate of accurancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Finacial shows up on my credit report as a hard inquiry on XX/XX/XXXX and XX/XX/XXXX. When I called on XX/XX/XXXX XXXX, They have no recrod of me applying for a loan or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if I never applied for the XXXX XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX XXXX stating the account was opened fraudulently? I have also filed a police report and a FTC REPORT.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. Attached is a right to rescission notice along with cease and desist notice and cease and desist response and notice of billing error. Physical copies are on the way to USAA FEDERAL SAVINGS BANK as well. Please respond back to confirm receipt of these items through CFPB.
Product: Credit card

I have a XXXX credit card through CitiBank/Best Buy. On XX/XX/XXXX the credit limit was {$5500.00}. On XXXX I made a payment of {$3000.00} to lower my debt on the card in anticipation of a charge that was going to be made. A few days later, that charge was placed on my account for a maximum of {$330.00}, but it could have been lower, it was a lottery charge. On XX/XX/year> I received notification that my credit limit was being dropped down to {$3100.00} where it currently stands. This was immediate and with no warning. I had no room to dispute or ask for delay. I immediately placed another payment of {$500.00} so the charge of {$330.00} would clear, as this would place my account far too close to the credit limit. I had to previously ask credit services to push through the {$3000.00} charge, and they were kind enough to do so. But this time with the {$500.00} it was a total nightmare. I spent a good chunk of the day on the phone being passed around different departments and at one point was even referred to XXXX who had nothing to do with the payments. They eventually pushed my payment through, and I lost out on the purchase. It was declined, and I lost my chance at what I was trying to purchase. I have made 3 payments of {$200.00} since, and not a single one of them has lowered my credit balance. Citi seems to be refusing to apply my payments to my balance. I am not going to go through the process of calling and fighting with them again. I am also worried they will drop my credit limit again out of spite. I have being continuously denied more charges because of this despite clearly having the proper account balance. The discrepancy is in the " available credit '' which they will not lower. Today, my account balance shows over {$500.00} less than the credit limit, but my available credit is negative {$83.00}. I had to fight them again today just to get my account semi-cleared to use for something else, and I still couldn't use it to the full capacity. 

I filed a complaint with CFPB in XXXX hoping for a remedy to this situation. CFPB was able to get a response from the company to me, but the response was very poor and they did not address the initial issue, instead blaming me for poor credit, although my payment history with this card has been spotless. Then this past week they closed my account and card without warning. I feel this is retaliation for filing the CFPB report. Initially I did not want further action taken beyond my account limit being restored and an acknowledgement a mistake was made, but now I am asking for more including a full restoration.
Product: Credit card or prepaid card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and XXXX
Product: Debt collection

Wakefield and Associates Issued XXXX collections on my credit report last year, then they were taken off and now they were reissured from my understanding if the debts are removed from my credit reporting they can not be reissued. Company took them off and put them back on again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, XXXX XXXX has reached out to settle for {$11000.00}. The XXXX XXXX of the car is roughly {$3000.00}.
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been an overwhelming and distressing experience. My personal information was used without my consent, leading to unauthorized accounts and activities appearing on my credit reportaccounts that I have absolutely no connection to. Recognizing the severity of the situation, I took immediate action. As advised by TransUnion, I filed a report with the Federal Trade Commission ( FTC ) and submitted the necessary documentation in hopes of resolving the issue. However, despite these efforts, the fraudulent entries remain on my credit report, continuing to cause frustration, anxiety, and harm to my financial standing.
Product: Vehicle loan or lease

Hello, So we have had many problems with the financing company with whom we have the vehicles under. We have been making payments on time and have maybe them on time and they fail to process the payments. We have tried many times to reschedule the payments and still they can not process them. Now my credit is showing negative impact due to their failure to process payments correctly. I need my credit score back up, I have worked very hard to bring it back up for them to bring it down by their mistakes. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act " UNKNOWN '' ACCOUNT # XXXX has violated my rights. 

15 U.S.C. 1681 602 A States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Tried to use my personal checking account With XXXX. 
XXXX uses Telecheck. 
They avoided all questions-Poor. 
I am XXXX years old. This happen a few years back. 
My Credit is over XXXX. 
I pay my bills!! Even with the XXXX  not asking for handouts. 
It's time for Telecheck to remove what ever they have. 
Been with XXXX XXXX XXXX for over 35 year, XXXX over 10. 
They are willng to give a letter on my accounts. 
Telecheck this is Unjust. 
Do the right thing and remove this! 
Way to long!!
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX when things started to get bad for Americans Westlake Financial offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my XXXX these companies waste no time then send incorrect information.
Product: Credit reporting or other personal consumer reports

I filed previous CFPB complaint XXXX. That complaint was closed with NO REAL REPLY FROM BOFA and certainly not within an acceptable time frame. 
Instead, I received correspondence directly from them indicating they were having trouble finding my account file. 
Then, purportedly after they finally found the account file, they replied directly indicating they had fixed the problem. 
THAT WAS AND REMAINS A LIE! Not only did they NOT FIX the problem, they insured that incorrect address was propagated with EVERY OTHER CREDIT BUREAU in the business. 
The real reason they could not find my account file is because they have resurrected an old illegal scheme they got caught in which turned XXXX a HUGE CLASS ACTION suit against them which they lost! That suit against them was regarding account sequencing which they have also done to my account. When they do account secquencing not only are normal account filing practices NOT followed but since they can not find the account, they insure NO REGULATOR CAN! This way if they ever prevail in collecting the account they do not report that additional income. 
CFPB NEEDS TO THOROUGHLY INVESTIGATE THIS ADDITIONAL CLAIM AS WELL AS FORCE THEM TO REMOVE THE KNOWN IMPROPER ADDRESS THEY HAVE INSERTED INTO MY ACCOUNT WITH ALL KNOWN CREDIT BUREAUS! 
This constitutes an ongoing form of illegal harrassment. I continually receive phone calls from people wanting to purchase the property in XXXX, OK that I DO NOT OWN AND NEVER HAVE!