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

I've been a loyal customer with GM financial for years. 

Upon reviewing my XXXX, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with GM Financial and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt and did not have the opportunity to dispute this account XXXX XXXX XXXX XXXX # XXXX! They should have provided me with proper notification about this account for before they placed it on my credit report! 

If XXXX XXXX XXXX XXXX has provided this information, please provide the CERTIFIED MAIL RECEIPT WITH MY SIGNATURE, DATE AND TIME supporting I received proper notification as required! 

I had Excellent Credit Score XXXX plus! I was in the process of buying a house this account appeared on my credit report! PLEASE REMOVE AND ASAP OR I WILL TAKE LEGAL ACTION!!! As XXXX XXXX XXXX  are in violation!!!
Product: Payday loan

I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!
Product: Mortgage

Received a bill saying that our escrow account was short {$3000.00} and that we would need to either pay that in full or be added onto our monthly payments making our new payments {$430.00} more a month than what we currently pay. Call the mortgage company to find out what was going on they said there had been a mistake or glitch in their computer that caused this to have this shortage that we need to pay we have called and expressed our frustrations with the mortgage company that we do not feel like we should have to pay for a mistake they made but they do not agree there is no way we can afford this kind of a mistake on our monthly payments
Product: Credit reporting or other personal consumer reports

I AM A NATRUAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERNED BY 15 USC 1681. AND THE HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCOUDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE TRANSUNION WRITTEN OR VERBAL PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XX/XX/year> XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking to refinance my home, and during the application they reviewed all three credit reporting agencies. They advised me of collection accounts on my credit and after careful review, I can confirm I have never done business with any of these companies. I cant get any info from the company because there is a password placed on each account. I have listed the accounts below and what I do know about them. 

XXXX ) XXXX XXXX XXXX {$3500.00} XXXX ) XXXX XXXX XXXX {$920.00} XXXX ) XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX ) XXXX XXXX  {$9000.00} XXXX ) XXXX XXXX  {$14000.00} I have never done business with these company this is keeping me for refinancing my home and pulling equity out to fix up my home. I had a tree fall on my house and i need to get a new roof, so thats the reason i applied for a heloc on my home but because of these accounts above, I cant.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX  XXXX - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX XXXX account ( Account # : XXXX ) from my credit report. This account is inaccurate and is causing harm to my credit score. 

The account was charged off as bad debt, but I dispute this claim. I request that the CFPB take immediate action to mandate the deletion of this account from my credit report. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

5. _15 U.S.C . 1681c ( a ) ( 4 ) _ : This law prohibits the reporting of a closed account with an ending balance, as it is considered inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed.
Product: Debt collection

XXXX XXXX 2017 I was threatened with contempt by XXXX XXXX XXXX XXXX 2017 I was served with a Garnishment and Demand for personal Information From XXXX XXXX XXXX to My employer XXXX XXXX XXXX  XXXX XXXX  Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied XXXX XXXX XXXX XXXX XXXX  Demands admission From My employer and threatens Litigation
Product: Credit card

Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of XXXX XXXXXXXX data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX XXXX XXXX and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXXXXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX Account XXXX Balance Owed : {$900.00}
Product: Debt collection

XXXXXXXX XXXX sent the Medical - Dental - account to Allied Collection Services, the Collection Agency. 
Prior, I did not receive notice of the debt being forwarded. On many occasions, Id requested that XXXX XXXX the original creditor validate the debt i.e original contract if any or services received accompanied by the actual charges but never received any response from the Dental Office. 
The Creditor is unable to validate the debt and I do not recall the charges or the amount. 
Since reporting with Allied Collection Services that amount had escalated in comparison to letter Id received from XXXX XXXX. These false statements and representations are adverse to my credit, in addition to the company 's inability to verify the debt and prove they are trying to collect an amount not owed or the wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection amount rereported by ( Original creditor ) : XXXX XXXX is fraudulent. I am being charged after my lease was legally terminated at the end of XX/XX/2018. This is not a loan nor back rent owed. No lease agreement with my authorization follows XX/XX/2018. 
This company files a false claim after I legally vacated the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Owcen mortgage continue to report information to credit bureaus past legal reporting period as per New York State.
Product: Money transfer, virtual currency, or money service

We were solicited by a company called XXXX XXXX XXXX. They called us and told us that they would be able to lower our monthly payments by restructuring our debt. We were told that they had an attorney on board for our protection. We signed up on a Friday. Things went very fast and they were very persistent and aggressive. They asked us if we could wire them our down payment for the program. We decided not to do that and knew that if things went sour we would never be able to recover our funds via a wire transfer. I should have known then something seemed shady. After doing our research about the program over the weekend we decided the program really wasn't for us. They told us on our confirmation call on Monday that we were not able to speak to their supposed attorney and we were coached to stop paying our bills and default on our loans. In addition we were told to stop picking up our creditors ' phone calls. That is exactly what my partner and I did NOT want to do. We were told a lot of things on that Friday to get us to sign up that just didn't turn out to be the case. We never wanted to stop paying our bills and not pick up the phone when our creditors ' called. In the state of NJ, you have 72 hours to rescind a contract. On that Monday, after our confirmation call we realized the program was not what they said it was so I immediately e-mailed them asking them to cancel the contract and refund our down payment immediately. They were then very defensive and stated that they would not allow a refund. The law is the law, I am requesting a full refund of the money I put down for services not rendered. These people are extremely shady and the public needs to know to stay far away from them at all costs!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the XXXX XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at Transunion and XXXX XXXX, Vice President, Consumer Protection, XXXX, XXXX XXXX, Chief Customer Officer, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent information.
Product: Credit reporting or other personal consumer reports

I have not been able to receive an updated copy of my XXXX and XXXX credit report via XXXX, XXXX or XXXX XXXX because my XXXX XXXX was changed with out my request or authorization. I am extremely concerned because I am not able to retrieve an updated report to double check its accuracy and this is affecting my chance of receiving a home loan in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX or XX/XX/XXXX Ditech Mortgage Co increased my monthly payment. I was never notified of this, they had a wrong address on file, but they did have my correct telephone number and no one tried to call. The mortgage company process will not post a lesser amount as a payment, they just hold on to it, by XXXX, they sent a report to the credit bureaus for 30 days delinquent. As soon as I was aware of the situation I called and made a payment and ask them to work with me and reconsider the credit report, I was unaware of the increase and I sent in a payment every month since XX/XX/XXXX. The contact on the phone stated they could not help me. I requested to speak with a supervisor and after a long wait I was transferred to a recording. I left contact information, but no one every returned my calls. Please help me work with the mortgage company to remove the delinquency from my account, I never missed a payment and I know have lost over 100 point from my Credit Score and it will remain on my account till XX/XX/XXXX. THis just is not right please help me.
Product: Credit card or prepaid card

There was a large payment made on the account and shortly after this the account was closed. Its very sketchy that discover card took this payment and then determined the account closed.
Product: Debt collection

Debt collector falsely represent that they are attorneys and continues to harass and take illegal actions to force payment of an alleged debt. 
Debt collector is a replacement of a previous debt collector who withdrew from an illegal court action, after being demanded to validate the alleged debt in which they could not. 
Present debt collector has not validated or verified the debt. I have repeatedly demanded validation and verification to no avail.. 
Debt collector has been demanded to cease and desist but continues to use private information, nonjudicial action to dispossess consumer of personal property, communicate harassing letters threatening to evict and take property, and mail communication with envelopes printed with law firms return address. 
Debt collectors has been demanded and noticed of a lawsuit to compensate consumer for violation of FDCPA, till today I have not receive a response or any communication in regards to matter.
Product: Debt collection

They continuously call my phone various time of the day and evening. Leaving harassing voice mails
Product: Student loan

Navient will not take the time to research my loan history. XXXX XXXX for Navient says " you have satisfied 25 months of your repayment terms, meaning we received 25 satisfactory payments towards the loan while in a Repayment status. '' This information is inaccurate. I have never been in default and I have made more than 25 payments on this loan, I've been paying on it for over 10 years. How can she say only 25 payments when for 3 years my Chapter XXXX paid {$500.00} a month for 3 years which equates to 36 months. After my BK was discharged, I took the payments over in XXXX or XXXX of XXXX, that in itself is almost 30 payments. Those two scenarios equals 55 payments so how can she say only 25 payments have applied to my loan. I don't understand how Navient is applying payments other than ripping people off so loans never get paid. I could understand if I was behind or not making payments but I have been paying on my loan and am not getting the credit and the respect for being responsible. Help me understand how they only show 25 payments when payments have been made since XXXX? If this was to be a 20 year loan, 10 years have passed, why is Navient asking me to make 17 more years of payments. What happened with the payments from XXXX to XXXX? I have documentation from my Trustee showing over {$7000.00} paid on my loan, why isn't this showing up in my payment history? I have documentation showing {$15000.00} was paid to XXXX for my student loan. Why hasn't this been communicated to Navient and what is the relationship of XXXX to Navient?
Product: Credit card

If I never miss a payment and most of the time pay more than minimum and I stopped using the card, how is it possible that balance increases and interest also grow. rep I talked to could not explained to me, said something that made no sense. Interest is against ( a percentage ) of the balance, so mathematically talking interest charge before a payment should not be bigger that interest charged after payment because balance diminished, Right? I told them I do not want them to authorized any charge, told them to freeze it, so no new charges. Situation continues, I received no statements on paper. If I don't use it and pay always without delay how is it possible that balance grows???????
Product: Mortgage

Carrington mortgage refused to accept my payment stating account number error despite my bank never returning a payment. Them refusing to accept my payment through no fault of my own caused my account to become 30 days past due. Although I attempted on several occasions to make my payment. I submitted to them a voided check and letter from my bank proving my account number was valid and they accepted my payment after speaking with agents on the phone but they are still trying to say I was 30 days past due on my credit report. How can I be penalized when I attempted to make my payment but they refused. And I proved my account number was correct. I attempted to rectify with them but they claim its not their fault and they intend to maintain that I was 30 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax reporting account incorrectly XXXX XXXX credit card being reported incorrectly
Product: Credit reporting

I checked my credit on XX/XX/2017 and I had only XXXX accounts listed on my credit report. All the other information and history was gone. I called and asked what happened and the rep could n't answer why this happened. He finally did some digging and said the report has been split and was missing information. Well long story short my information was pieced back together and put back on the report. The negative items had been deleted were gone and now back on. Along with the inquiries that had been previously deleted. I want to know why this information was removed then put back on. My score went from XXXX to XXXX.
Product: Credit card

1. I PURCHASED A PACKAGE TRAVEL WITH EXPEDIA.COM USING MY CITIZENS CARD. 
2. AFTER BOOKING MY PACKAGE WITH 2 HOURS. I WAS TOLD EXPOSED TO XXXX. WITHIN 4 HOURS. I CALLED XXXX REQUESTING A CANCELLATION DUE XXXX 3. XXXX HAS A 24 HOURS CANCELLATION POLICY FOR THE FULL REFUNDS 4. AFTER SPEAKING TO A REPRESENTATIVE. I WAS TOLD THEY ARE UNABLE TO CANCEL MY TRAVEL PLANS... I WAS INFORMED TO CALLED THE HOTEL AND AIRLINES DIRECTLY FOR ANY CANCELLATIONS. 
5. AFTER CALL THE HOTEL AND AIRLINES. I WAS TOLD THEY ARE UNABLE TO CANCEL MY SERVICES SINCE I HAD BOOKED IT ONLINE THROUGH A ( THIRD PARTY. 
6. I IMMEDIATELY CALLED BACK XXXX EXPLAINING MY OUTCOME FROM THE HOTEL AND AIRLINES. SAYING THE HOTEL AND AIRLINES DID MADE MY RESERVATIONS. AND I REQUESTING MY CANCELLATION. 
7 XXXX IS MISLEADING AND DISHONEST. MY TRAVEL PLANS WAS CANCELLED WITHIN 4 HOURS. XXXX HAS 24 HOURS TRAVEL POLICY FOR THE FULL REFUND CITIZENS BANK IS ( UNACCOMMODATING ) I AM UNABLE TO COMMUNICATION WITH THE DISPUTE DEPARTMENT. THEY ARE NEVER RETURNED MY CALLS. 
8. I KEPT CALLING CUSTOMER SERVICE TO ESCALATE MY FRUSTRATIONS. THEY ARE NOT HELPFUL. 
CITIZENS WROTE A LETTER SAYING WHAT IS XXXX POLICY IS AND THEY ARE NOT TRYING TO BE FAIR WITH MY RIGHTS.. AND RETURNING MY FULL FUND