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

I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX .   XXXX   has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the  Code  "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ... Transunion has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethese items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remov these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$2000.00} HWARFIELD ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I tried to freeze my credit report - due to recent data breach by calling equifax - they first say they are busy after 1 hour being on line no answer and when I try freezing on thier website- I get server is unavaible message. This is unaccetable while I am left exposed and I can not do anything, I feel like a sitting XXXX  helpless..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Act # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, and XXXX XXXX XXXX Act # 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, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that does not belong to me and need them to be removed this is holding up my process to buy home and here the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My auto draft was turned off by Kia for my last payment and I was not notified. Letters were mailed to my old address after requests were made to update address and phone number on multiple occasions and was never processed throughout all Kia systems. I checked my credit report, as I regularly do, and noticed my score went down by over 100 points. I called Kia and to say that the supervisor was no help would be an understatement, she hung up on me. I was not yelling, cursing or belittling her in anyway. I clearly was just another customer complaining to her that she had no empathy for. I was shocked how I was treated. She mixed her words saying things like " You should submit your request in writing '' but also saying " They will not fix this '' when I asked why submit this request in writing, the supervisor said for " Peace of mind ''. I did not request or authorize the suspension of auto draft on my account and thank God I noticed it within 60 days but that was 60 days too late. II had a 0 % APR with Kia because my credit score was soo good. Now I this late payment will effect my score for 7 years because of a change made by the company I did not authorize. This makes no sense and Kia is apparently not willing to accept any responsibility.
Product: Credit reporting or other personal consumer reports

I have had an EXPERIAN account for many years. When I try to log in, it says I have the wrong password. I try to create a new password and they advise they will send a link to to my email address ( which they acknowledge is on file and the correct username ). But I never receive anything from Experian in my email -- not my inbox, not in spam. I am unable to change my password. 

The only contact information they provide is an address in XXXX, TX. I wrote to them about this problem on XX/XX/year>. They never responded. 

In the meantime I receive alerts in my inbox that there is something going on in my account. But I can't log in to find out what is going on.
Product: Vehicle loan or lease

my car was paid off i was not given the title to my car. my car is a XXXX XXXX and my last payment was sent and they put a charge off onto my credit report which i have no idea to why this was done.
Product: Vehicle loan or lease

My account with mercedes benz financial account number XXXX have been charged an undisclosed amount of {$1500.00}. When I called up they told me it was for some attorney fees. 
The car was in a shady bodyshop who tried to scam me for {$8000.00} to release the car I was going back and forth with the bodyshop trying to get the car out. it took a few month time to finally settle with the bodyshop. Apprently XXXX financial was notify the situation and decided to get their attorney involved and tried to bill me for it. 

my account have always been on time payment and with no lates. When I called and ask them what the additional fee was for they say it was for the attorney fees. 

they never contacted me regarding hiring an attorney in either phone call / mail/ email. 
nor they have my authorization to charge that amount into my finance account. 

Origionally the attorney fee was {$350.00} posted on the account, XXXX month I looked it went to {$1200.00}. And today it jumped to {$1500.00}. 

please help me with this situation while these lenders are adding unauthorized and insane amount of fees to my account
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report. 
Inquiries for Blocking and Deletion : XXXX. XXXX o Inquiry Date : XX/XX/year> XXXX. XXXX XXXX o Inquiry Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I was viewing my credit report and noticed a few accounts and inquiries that I did not notice or recognize. These items are fraudulent and inaccurate and is affecting my ability to obtain credit. These the inquires has no permisable purpose and should be removed immediately. 
Account : XXXX XXXX, XXXX XX/XX/XXXX ; Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card

I ( XXXX ) was seriously injured in an accident on XX/XX/2016. I 'm still recuperating from the resulting below-the-knee amputation and other injuries and have been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when XXXX called directly to try to negotiate, Chase refused to speak to her, and instead referred her to XXXX of their XXXX Counseling XXXX. Although the initial recording said we would hear a list of agencies serving our area code, our call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in Iowa. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where In XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX ACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Product: Mortgage

I was told by Quicken Loans that I could refinance with XXXX closing costs at 4.375 %. I would receive {$4000.00} in Lender Credit to cover all closing costs. 
However, if my house appraisal resulted in an 80 % Loan to Value amount to be financed, the interest rate would drop to under 4 %. 
The Good Faith Estimate was changed to reflect $ 3.999 %, but then the Lender Credit was changed and I was expected to pay almost {$3000.00} at closing to Quicken. The reality was that I had to pay to obtain the lower interest rate. 
I believe this is clearly bait and switch. Quicken should be ashamed. 
In an earlier complaint, filed by me, Quicken also ruined my credit score with their multiple hard inquiries on my credit report. 
I was also forced to forced to deny that I disputed an outstanding balance from XXXX Bank, when in fact, I did dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account XXXX  XXXX was paid in full as of XX/XX/2020 and at this time XXXX  XXXX agreed to remove item from Experian 's report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from XXXX  XXXX and they indeed sent a request for this item to be removed in XX/XX/2020 to Experian which still refuses to remove the item. XXXX  XXXX has instructed me that they would sent another report to Experian as of XX/XX/2020 for this item to be removed. I want to make sure that Experian in fact does comply with this request and delete this item.
Product: Debt collection

I moved into an apartment called XXXX  XXXX XXXX  XXXX, and signed a lease with this apartments, sometime around when I moved out this apartments renamed themselves to XXXX   XXXX XXXX XXXX. after moving out the apartments said that I owed them money, which I don't agree but they say that I owed them a months rent, as well as late fees, and clean up fees. this amount they claim I owed was XXXX At some time after this they sold this debt to IQ Data International and this company repeatedly called me to collect this debt. 

Finally I got a lawyer to try and settle this debt, and they have sent a letter requesting an amount to pay, this amount includes interest, as well as a statement saying I would be charged annual interest at 6 %. 

I had never agreed to pay any interest to the apartment complex or IQ data systems. 

However the amount reflected on my credit report is much higher than the amount the apartment complex has said that I owe them. 

The IQ Data Intonational has apparently decided upon themselves to charge me interest as well as put this on my credit report, which is showing I owe around XXXX dollars which is well over the amount the apartment complex says that I owe as well above any amount this IQ data international company would be able to prove i owe with any debt validation letter or statement. They have just decided they can charge whatever they want without any legal basis. ( see attached files for the " debt validation '' as well as a statement from them ADMITTING they are charging me interest on a debt that's not legal for. also notice on my credit report they have reported an amount higher than the debt validation document that I have attached which is clearly an illegal practice by them ) Also I had disputed this debt with the credit agencies some time ago, and never received any documentation at that time or for months afterwards validating this debt, yet they have not removed the debt and have continued to call me to collect the debt. 

Also when they have called they have been quite rude and sarcastic. 

It is my complaint that they are breaking the law by placing on my credit report, as well as asking me to pay an about well over what they are entitled to, I have a letter from them saying they will charge me interest, which is not legal, and they have no legal basis to do this, yet they have done it. As well they have put on my credit report an amount well over the amount owed, which I can only assume is also some sort of interest penalty which is again not legal, was never agreed to and is a blatant disregard for state and federal laws which show this does not apply to an apartment complex contract.
Product: Checking or savings account

Bank of America put a restriction on my account on XX/XX/XXXX. I was no longer able to use my debit card or make withdrawals. I contacted them on XX/XX/XXXX and they told me that the account was frozen but didnt have any information to provide and that I needed to call back in 48 hours. I called again on XX/XX/XXXX asking about the status for me to access my funds and they told me the account is closed but that it takes 48 hours to process and that I should receive a check in the mail. I called again on XX/XX/XXXX to get information on the status of my funds and they told me the account is not closed but that I have restricted acces and that I need to call back Monday XX/XX/XXXX. After about a week of contacting and receiving no information, I filed a CFPB complaint. The bank only followed up with me then and advised the account was closed and that there were third party checks deposited. I was advised that the funds of the third-party checks remained in the bank 's hold harmless account. 

In XXXX XXXX XXXXXXXX, I purchased a property from the sellers that were the issuers of the checks ( written out {$6000.00} for each ). The attached documents are in support of detailing the contractual requirements of the check issuers having had to mail the checks to my address. The checks were to be provided by me to the contractor issued on the checks, however, it was identified after completion of the work that the contractors completed the work without proper permits and operated under false contractors ' licenses. I attempted to resolve the issue with the XXXX XXXX XXXX ( XXXX ) to hold the contractor liable for operating under a false contractor 's license as well as not having applied for proper building permits. I therefore have no proof if the work was conducted per code. However, the XXXX concluded that they did not have enough evidence to proceed with the claim because there was no written contract between me and the contractor and the Escrow contract attached wasn't sufficient proof. 

I proceeded to ask my realtor to amend Addendum 6 and ask the sellers of the property to reissue the checks to my name so that I could find a different contractor willing to fix the work under permit requirements. My realtor sent the amended addendum to the sellers ' realtors, however, at least one seller 's agent confirmed that the client wasn't allowed to make changes outside the Escrow contract ( this was a divorce case, and each seller had their own real estate agents and divorce attorneys involved ). At this point the property was already signed over to my name and the sellers contract executed/Escrow contract closed. 

I have received a quote from a different contractor that is willing to perform the work under proper permitting conditions. Thus, I deposited the check as it was originally agreed upon in contract with the issuers of the check/sellers of the property for the foundation repair work in the Escrow agreement.
Product: Credit reporting or other personal consumer reports

hereby declare that I am the victim of identity theft and have not, at any time, authorized or participated in the fraudulent activities described in my dispute. I have not benefited in any way from the accounts, transactions, or inquiries that were unlawfully conducted in my name. Furthermore, I have no knowledge of the individual or individuals responsible for these unauthorized actions. All information provided in this matter is truthful and accurate to the best of my knowledge.
Product: Payday loan, title loan, or personal loan

i was under the understanding that i made a agreement to freeze the account back in XXXX and i finally with back to work in XXXX and i made a payment arrangement made a payment and was to start to make payments to have this account paid off and as soon as i made the payment west creek financial started reporting the account 60 days late now i had to pay the account off with money i don't have so my credit report don't have any bad marks on it i believe they lied to me and now they are saying i have to wait 30 days before they can do anything i do believe this may be a violation of the cares act. 

XX/XX/XXXX made a XXXX payment payment arrangement was to pay XXXX per month starting XX/XX/XXXX to have agreement paid off in XXXX XXXX but as of today XX/XX/XXXX i paid it off XXXX i believe they set me up to report this on my credit report and took advantage of me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am filing a complaint against : Experian, XXXX. XXXX XXXX, XXXX, Texas, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Experian and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via Experian Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Experian ) have only said to me that they have as per my credit report We have completed the processing of your dispute : Outcome : XXXX XXXX XXXX XXXX Remains the company that reported the information has certified to Experian that the information is accurate. As of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Experian for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Experian Credit Bureau information about the company in question. Experian has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. I have asked time and time again as you will see in my attached letters to Experian and XXXX XXXX XXXX XXXX to do what is right. So, Please validate this information with ( Experian ) and provide me with copies of any documentation associated with this account. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matter for well over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from XX/XX/XXXX.