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

Approx XX/XX/2021 my ONLY mortgage from XXXX XXXX  was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called XXXX to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
Experians details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... .. 

Well obviously so! My credit score has dropped by XXXX points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points. 

Credit bureau tips always suggest not to close accounts. More importantly the XXXX XXXX XXXX ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO XXXX XXXX NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, XXXX and XXXX have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, Phoenix, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
Product: Debt collection

XX/XX/2018, CCI together with XXXX XXXX placed a collection in my name for {$68.00}. I did not have utilities with this company. I am unable to validate this debt & have reason to believe it is FRAUDULENT. This debt does not belong to me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute with two other credit reporting agencies in which the dispute was resolved in my favor. I tried to log onto experian.com to check my credit report and file a dispute if necessary, however I forgot my password. I then proceeded to reset my password. Experian would not let me reset my password and gain access. I tried calling them and could not get through. I finally was able to reset password and gain access to my report today, on XX/XX/2021. I then tried to file disputes against XXXX XXXX. Experian would not let me file a dispute. I received a message to call for assistance for that matter. All that I got was a recording that did not give me a prompt to resolve my problem or even connect me with a customer service representative who could assist me. This issue not fair. This is unfair credit reporting and it has adversely affected my credit score and my life as the reporting business split a bill up into three charges to report as 3 separate bills on my credit report. And then Experian caused further damage due to their lack of following the Fair Credit Reporting Act by violating in multiple ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Synchrony Bank regarding my XXXX account, they advised that my credit limit was being lowered from {$1300.00} to {$320.00}. I emailed the companys president, XXXX XXXX, to advise of my unblemished payment history with the synchrony account and to see if my credit limit could be restored. 

My personal research revealed that the company will lower your credit limit if your credit score drops, to mitigate risk. I am currently in debt consolidation, and it was imperative that I have the positive reporting items on my credit profile. When Synchrony dropped the credit limit on the sweetwater account, the credit usage went from 20 % to 100 % usage, therefore exacerbating my credit issue. On XX/XX/2022, I received a response from XXXX XXXX, a representative of the company. She advised that they would take a look into whats going on. Approximately two weeks later, I received notification that the synchrony sweetwater account was now closed. In XX/XX/2022, the company reported to the credit bureaus that the card was actually over the credit limit. It was reported that the limit was {$300.00} even though the mailed correspondence said the new limit was {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of the XXXX XXXX XXXX account ( Account # XXXX ) under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This account is listed as charged off and closed, yet it continues to be updated with a balance of {$30000.00} as of XX/XX/year>. This constitutes willful misrepresentation and fraudulent reporting in violation of federal law. 

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, under 15 U.S.C. 1681b ( f ), unauthorized or deceptive reporting of a debt that has been legally written off is an impermissible use of my consumer report. Since XXXX XXXX XXXX has charged off the account and written off {$27000.00}, it can not lawfully update a balance as if the debt remains actively due. This is an attempt to manipulate my creditworthiness and constitutes continued collection activity on a discharged debt. 

Furthermore, 26 U.S.C. 6050P requires a 1099-C form for cancellation of debt, which I have not received. If the debt was truly charged off, XXXX XXXX XXXX must cease all further reporting. If not, this is a violation of FCRA and FDCPA provisions prohibiting deceptive trade practices. 

I demand the immediate deletion of this account from my credit file. Failure to correct this fraudulent reporting may result in legal action under 15 U.S.C. 1681n for willful noncompliance. Please complete this investigation within 30 days and provide written confirmation of your actions.
Product: Debt collection

Amerassist added two collections accounts on my credit report in XX/XX/2020. Both of the accounts were in dispute with the company XXXX XXXX XXXX, for faulty product. I had been in dispute with XXXX  for over a year. They were suppose to have stopped any payments from needing to be paid, while we were in dispute. They randomly one day added two accounts onto my credit report. This completely damaged my credit! I contacted both companies, Amerassist and XXXX XXXX XXXX, about the collections accounts and could not get any answer or resolution. There was a ton of back and forth for months, I was able to dispute one of the accounts and it was removed but the last account has not been removed. I have emailed and called multiple times and I have disputed the account on my credit report 12 times, without any resolution. I have provided Amerassist proof that the accounts are closed and should have never been reported and they still refuse to make any change.
Product: Mortgage

We have been clients of   XXXX   XXXX   XXXX   for years. We had both our business accounts as well as our personal accounts with them and in all the years we had been with them we never had any problems, until they were bought out b y Key Bank. Upon the transition we have experienced nothing b  ut one  problem after another. Our first problem was with a pre-approval for a second home in Florida. The original documents dated  XXXX  In the amount as {$350000.00} for 60 days. We contacted Key bank and requested an up dated letter because we were heading back to Florida to look for a home. We have emails and text messages to back up the request. Never heard back from the lender. We came home after a week I conta cted the Lender  in  XXXX  and requested an update pr-approval becuase I was heading back to Florida. I received it on  XXXX  and noticed it expired on  XXXX   XXXX  Contacted them again received the correct  XXXX  on  XXXX  with a much lesser amount. I was told that was based on a Mortgage being paid off and it was a rental property mortgage was paid but now they said it needed to be our first mortgage at  XXXX . Again I have supporting emails and text message that clearly states just  XXXX  rental mortgage needed to be paid off. After this situation with the Mortgage and several other erros that were made my husband and I decided to go to another bank. We were approved by this other bank and requested pay-off on the home equity line of credit  XXXX  received pay-off on  XXXX . Next issue a commercial appraisal was done  XXXX  we request a copy because it was withi n a one  year period that request was made approximately  XXXX  said it would tak e two da ys. called numerous times on  XXXX  we were told it was emailed to our new lender at  XXXX  on  XXXX . Found out that was not the truth there was no appraisal it was an in house appraisal that was on  XXXX  on  XXXX  a request was made for commercial loan pay-offs on  XXXX  we received a payoff good through  XXXX . Called request a correct pay-off  XXXX  received the correct pay-off. On  XXXX  received a pay-off on second commercial loan showing a pre-payment penalty amount of {$16000.00}. there is a 1.25 % penalty for early pay-off contact my branch to find out what was going on. said they would get back to me there is an error I have called numerous times, emails still do not have a correct payoff as of  XXXX . My closing has been held up for weeks.
Product: Debt collection

{$360.00} americollect. 
ive disputed wit them several times and its still on my credit report. 
they cant validate it was me. 
this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Product: Debt collection

Since being contacted by I.Q. Data International, I have repeatedly asked for a breakdown of how they got to the amount in which they claim I owe. When I get a representative that agrees to look into why the amounts are n't adding up, as soon as they realize there is something wrong with their math they forward me to a manager who then yells at me and becomes completely uncooperative. I 've attempted to contact the original creditor and no one returns my calls. And the credit bureaus are only checking that the collection agency has my name and contact information correct, NOT the details for how they are calculating what is stated I owe. The original creditor and the collection agency are both on my credit reports and neither are willing to give me the information I have a right to in order to take responsibility for a debt I may owe. Most recently I received a letter from someone named XXXX that stated they needed proof of identity fraud from me since I was stating that my identity had been stolen. I have made NO SUCH claim to them and I feel like since they knew that they had exceeded the response time to my last account verification request they were trying to buy themselves more time to collect information. I 've written them a letter responding to their request for identity fraud verification and reiterated that I am requesting itemization of what they state I owe and how they, on behalf of their client, came to that amount. I also informed them that I would be forwarding my letter to them to the CFPB and submitting a complaint. And that is what I am doing now. At this point I.Q. Data has exceeded the response time on all of my requests for this information and I want the negative entries removed from my credit reports since they can not show proof. I need help.
Product: Checking or savings account

I needed to create a stop-payment. The bank representative stated they do not allow for a stop payment based on the check being " vendor initiated '' This violates my right to stop check payments. I spoke to numerous representatives and finally XXXX employee id XXXX
Product: Credit card or prepaid card

Citi makes verifying your card unnecessarily difficult by requiring a second number to send a verification code to. You tell a representative the verification code which also feels less secure because I can not be sure that they are not scamming me.
Product: Debt collection

I have debt collection on my credit report I do not authorize I would to get it removed from my credit report immediately it do not belong to me I want it to get remove from all 3 credit bureaus immediately Collection agency name : AMSHER COLLECTION SERV Amount : {$930.00} Account Info XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Student loan

I was contacted by XXXX last year to pay my student loans. I followed the steps and I have been paying {$100.00} a month since XXXX XXXX, 2021. I just logged to my XXXX and there are no records of my payments. I found that none of my payments had been going towards my loan payment but towards someone else. When I try to log into the TrueAccord website with the account number I was given it asks if I am XXXX XXXX XXXX. I am not even able to delete my banking documents or log into the account now. I have been receiving emails each month letting me know I was paying the loan and how much I have left. They have received {$1200.00} from me so far that was supposed to be towards my student loans.
Product: Checking or savings account

was ill for a few months ive been on my job 10 years they closed the account because i was unable to pay the fees the account was closed
Product: Student loan

I submitted my student loan forgiveness application in XX/XX/XXXX. They did not confirm receipt of the processing of that application until XX/XX/XXXX. Despite repeated outreach attempts and complaints in XXXX and XXXX of this year, they have still not finished processing the application. Instead of providing valuable information, they continuously send repeated responses citing an unprecedented amount of applications that they have to process. It has been over 6 months in which they have had the necessary information to process my application and they have not. I am already nearing the point of having to recertify again without the original request being processed because of the duration they've had these materials. Payments are to resume in a month and without accurate information as a result of the processed application I am still expected to make payments and failure to do so will result in a penalty. This student loan servicer is not new to processing these applications and should have been well aware of what to expect when they took over the service of these loans from the US Dept of Education. They are ill-prepared and ill-equipped to handle these applications and do a disservice to their customers with a lack of efficiency and lack of effective communication.
Product: Money transfer, virtual currency, or money service

Someone used my account in Georgia I live in Maryland. Money was sent to wrong account reported no resolve. Money doesnt always go to right account
Product: Credit reporting or other personal consumer reports

I do not have dates. 

This matter has all transpired in the last several months. I had XXXX student loans with the Dept. of EducationXXXX. I consolidated those loans, and they were paid off by the Dept. of EducationXXXX. The loans with XXXX totaled a little over {$15000.00}. The loans with XXXX have been paid off. All my credit reports : XXXX, Experian and XXXX still show my XXXX XXXX accounts with balances. I just recently refiled a dispute with all three credit bureaus and none of them have reduced the balances to XXXX. So now, in addition to the $ XXXX from XXXX XXXX I now have the additional {$15000.00} on XXXX. That is over {$30000.00} in student loans. 

I have contacted XXXX who said it was XXXX that is supposed to remove this. I contacted XXXX who essentially said it's not their job. I have contacted the credit bureaus at least twice. Today, Monday, XX/XX/XXXX, XXXX suggested I file another dispute. I am trying to get business funding and can not go forward until this matter is resolved. Each of these bureaus had detailed information and the phone number for XXXX. There is absolutely no reason why they should not have resolved this matter by now.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered a few fraudulent hard inquiries, the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection account from I.C. SYSTEM, INC with account # XXXX and a balance of {$4300.00}. 
The original creditor is XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. " I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to 15 USC 6802. F
inancial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY CXXXX XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX XXXX FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Equifax in response to a dispute of said Bankruptcy that Equifax verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, La, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Equifax to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately. 
Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

XXXX XXXX XXXX
Product: Debt collection

ABILITY RECOVERY SERVICE has reported that I opened an account on XXXX XXXX, 2022 and have defaulted on a loan in the amount of {$310.00}. I do not have an account with this company or the originator XXXX  that was opened on XXXX XXXX, 2022, and do not have a debt related to this date and amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I applied for a Wells Fargo loan that was $ XXXX by accident, I didnt mean to since thats too much money and my credit lowered ten points then last month for XXXX my credit score lowered by eighteen points because I couldnt log into my Wells Fargo account on the mobile app so I thought they closed my account and I opened up four more accounts by accident so I had now in total six accounts and I had to go to my bank in XXXX to close four account each checking and savings and keep my original checking and savings, it was just an accident so may my main XXXX credit score go back up eighteen or ten or both,
Product: Debt collection

XXXX ( XXXX ) has taken XXXX  of dollars ( XXXX ) out of my bank account and over ( XXXX ) off of my Discover credit card. Saying it for ad on XXXX. Why would anybody pay that type of money for ads? It makes no sense. If a ad was advised as XXXX or XXXX and they are fraudulent and scamming using people credit cards to increase the amount against their knowledge and not their consent.