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

On XX/XX/2022, I tried to get my Equifax credit report from the annual free credit report site. I get to the point where it wants to send you an email with a verification code. It sends you an email with no code and you can not proceed any further. I contacted Equifax and they tried to send me a code while I was on the phone with the agent. I told the agent that I received the same email with no code. You can not get your report without that code to proceed. The agent wanted me to send them more information and id 's to get a code. I asked to speak to a supervisor and was told they were too busy and so I asked to be put on hold and the agent hung up on me. They just want to collect more information on you for their data records and not give you your report but will sell the information to others.
Product: Credit card or prepaid card

I am writing today in regards to my account with XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are incorrectly reporting payment history for my mortgage with XXXX XXXX. The mortgage was paid in full. I have never been late with payments. I want this corrected because they have negatively impacted my credit. They reported late payments and dropped my score nearly XXXX points. Once the load was paid in full my score went up only XXXX points. The credit bureaus are purposely keeping scores low in order to help companies charge higher interest rates to consumers especially XXXX XXXX XXXX. The game is rigged. Its sickening and I plan to sue them.
Product: Payday loan, title loan, or personal loan

After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. 

In accordance with fair credit Reporting act XXXX. XXXX have violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. 

I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. 

I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. 

XXXX and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.
Product: Credit reporting

It was brought to my attention that my credit report contains items went into collections that I did not know about when I applied for a credit card with my bank. The credit report was obtained from Transunion and I have subsequently obtained a copy from them. The credit report that matches my SIN turned out had a lot of mix-ups including : - name : the name does not match- address : address does not match. All the address in the history is in XXXX and I have never lived there. 
- employment history : none of the employment history is mine- items went into collections : not mine- credit card : not all of the credit card history is mineI phoned and disputed with Transunion and did not receive any confirmation. Here are the few things I want : - correct my credit report and credit score. I was denied credit because of this mix-up. 
- explain how the mix-up happened- take actions as a company to improve processes so no one else need to go through this again and we consumers can trust that credit information is protected.
Product: Debt collection

This company is collecting a debt on behalf of XXXX XXXX XXXX XXXX. The date of service was XX/XX/XXXX at XXXX XXXX. The XXXX Associates fail to resubmit a medical claim to XXXX and XXXX for XXXX, which is both my insurance companies. The claim they originally submitted had the wrong social security numbers associated with the medical coverage. XXXX belong me to and XXXX for XXXX to my sponsor. We are both veterans. This CSA refuses to contact their client XXXX XXXX XXXX XXXX after I contacted XXXX about the errors in the submitted claim and rejected claim, and was told to tell XXXX XXXX XXXX XXXX to re-submit the claim even though it is very late. Under the circumstances of the wrong social security numbers used XXXX is only asking the medical provider to resubmit the claim for processing for payment. This CSA wants " money '', my money! I have 100 % health care coverage from the government and this CSA will not ask their client to resubmit, give me the client 's phone number or contact information. They are abrasive, rude and totally unprofessional with their service to a consumer. They told me that they could not verity my insurance with the government, and that was a total lie, the government never closes and I have had the same insurance for since my husband 's retirement in XX/XX/XXXX and I went on XXXX in XX/XX/XXXX, and nothing has change with my coverage. They just want cash money and I refuse to pay a collection agency that sent my name and this account to all three credit bureaus because they will not bill XXXX or XXXX for XXXX. They also refuse to send all three credit bureau a letter stating they falsely reported this debt. This is a violation of my consumer rights!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Department XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. I have also attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency.I did not do business with the following companies. Accounts as listed : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account number : XXXX. I have never done business with this company. According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission.My information was used without my knowledge or authorization.
Product: Debt collection

I received a call from XXXX XXXX from Premier Portfolio and she stated to me that I owe a payday loan which I opened back XX/XX/XXXX. However, I never applied for a payday loan from this company and I was enrolled with Payday consoldation company which everything was paid off. When I asked her for a letter showing me what I owe, she gave me a hard way to go. I then asked her to email me this information to my email address which I provided to her. I asked her will it be within the hour. I also informed her that I have also contacted my attorney and the attorney general 's office. She asked me for the last XXXX digits of my social security number which I did not provide for her. She stated to me that information was sent to my home and it is showing that I received it back on XX/XX/XXXX. I then asked her for the company name and she then told me that they would not have my information because this company forward to this company. I told her that within Maryland law, if any consumer owes a debt, then a disclaimer is read before a conversation. I told her that I believe that this is a scam and I am contacting my attorney with this information. She told me that she wanted my attorney 's phone number and I asked her if you are willing to provide this information to my attorney then why would you deny me the right to have this information in front of me. I told her that I would like to have this in my email. I still have not received this information through my email. I want to file a compliant and ask that this company not call me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I got an alert on my email regarding the change in my credit report because some of the companies were using my credit report without my concent. XXXX are as follow : - XXXX. XXXX XXXX XXXX XXXX. Wells Fargo
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address an ongoing and pressing issue concerning my credit report. Despite my numerous attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. 

I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity.

Despite my diligent efforts, these items remain on my credit report, negatively impacting my credit score and financial stability. It is imperative that these fraudulent items be removed promptly to ensure the accuracy of my credit report. 

I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score.

I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. 

Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. 

Upon the successful removal of these fraudulent items, please provide written confirmation of their deletion from my credit report. 

I understand that the process of investigating and resolving such matters may take some time, but I request your assurance that it will be handled diligently and efficiently. Failure to address these fraudulent items can have severe consequences on my financial well-being, and I may have no choice but to pursue legal action if this matter is not resolved satisfactorily. I am asking for your assistance to remove the following fraudulent items : 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 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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 2 TIMES 3 DAY PAYMENT : XX/XX/2016 ; XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against XXXX, XXXX, and TransUnion to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct on XX/XX/23. XXXX responded stating that all information was removed and requested XXXX, XXXX, and TransUnion to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Mortgage

I received this loan in 2007 and was unaware that I had a negative amortization loan that would adjust and grow a balance every month. I am XXXX and needed the funds to repair my home to accommodate my illness. I fell behind as soon as the loan adjusted and have been unable to get help with keeping my home. I can afford to pay my old payment based off of that loan. I was recently under review for a modification and was denied, they say I do not make enough money to keep my home and will not work with me to give me a payment close to my old payment. I do not agree that my income is insufficient, I can afford to make a payment but I can not seem to get the assistance that I need from SPS to keep or even short sale my home. They have advised me that they will proceed with foreclosure instead. I do not want to be homeless and the very least I would like the option to short sale under the XXXX program.
Product: Checking or savings account

On XX/XX/XXXX I used the bill pay feature on my checking account. I set up the bill pay by entering the name of the institution ( XXXX XXXX XXXX ), the address, the phone number and the account number. I sent {$700.00} for a car loan. On XX/XX/XXXX XXXX XXXXXXXX XXXX reached out to let us know that they had not received our payment even though is had posted on XX/XX/XXXX as sent. We thought that maybe it needed more time but they called again on XX/XX/XXXX and we asked out bank for proof that the transaction had occurred. They sent the proof of transaction to us and we shared that information with XXXX XXXX XXXX. They noticed that the correct routing number was not used. The routing number that was used was to XXXX XXXX XXXX in Missouri. We call Capital One and filed a claim. It was denied and they stated that they dis as we instructed and sent the payment. We spent hours talking to supervisors at Capital One and filed an appeal with their notes and again it was denied today. We call again and were told that we need to find the money ourselves and that there is nothing they can do to help us. When we filled out the information for the bill pay we were not asked for a routing number, it was automatically generated by the bank and was sent to the incorrect institution. There was not an error on our part and the bank is refusing to help recover our money that they sent to the wrong institution.
Product: Mortgage

Approximately XX/XX/XXXX of XXXX, I closed on a house that I was going to live in while re-habbing. The initial purchase ( down payment and all finance fee 's ) took all of the money that I had saved towards retirement ( I'm almost XXXX ). The XXXX  however, would not give me an occupancy permit until several things were brought into code. Fast forward to 1 week before XXXX XXXX  when XXXX  finally grants my permit for occupancy. Less than a week later, I receive a letter from my mortgage company stating that my current monthly mortgage of {$1100.00} would now be just under {$3000.00} per month! Considering I barely qualified for my initial XXXX payment, there would be no way I could pay XXXX XXXX a month, nor would I ever consider it for a re-hab inn my local hood. 
I contacted the closing attorney and he started looking into the problem. I was told that an assessment was done on the house, along with the fact that all 3 exemptions had fallen off. Those exemptions were homeowners, senior exemption and senior freeze exemption. 
I had contacted Chase several times as thisa whole thing had left a nasty pit in my stomach. It has been a ride from hell that nobody can seem to figure out. I since involved a realtor to try to do a last minute sale, the place sold immediately and the new owners to be asked if I could move out by next weekend, I told them no problem. A month later, the deal fell through due to their lack of financing. 
I moved out of that house on XX/XX/XXXX of this year, and have been sleeping on a friends couch. I then sold the house again but now I needed to bring XXXX dollars to the closing to pay up the tax debt and last 2 months payments. 
My credit score has already dropped XXXX points and Im supposed to retire in a few years. I now will have to work until I die. 
I was left with an absolute mess to deal with, except nobody had the instructions on how to deal with it. Please help! 

House was located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, IL My realtors name at purchase was XXXX XXXX, XXXX banker real estate group XXXX. 
My closing attorneys name is XXXX XXXX at XXXX, XXXX and XXXX. XXXX. 
My initial lender was XXXX XXXX at XXXX XXXX, XXXX. 
The lender they sold the loan to is Chase mortgage at XXXX. Account number XXXX XXXX XXXX tax assessors office XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from Equifax, XXXX, and XXXX  each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.
Product: Vehicle loan or lease

On XX/XX/2023 My daughter and myself went to purchased her a vehicle from XXXX XXXX. We specifically ask for payments to be from XXXX dollars, the sales stated he can make it happen. He asked how much of a down payment did we have we stated XXXX dollars he stated the bank Ally are asking for more at least {$1000.00} dollars to help get our payments in that range. As we brought the {$1000.00} dollars the payment and interest rate changed. My credit score at this time was above XXXX. The dealership claimed to have put new tires and oil change on vehicle upon sale. The dealership also stated that it would be no out of pocket cost for the repairs for ac not being able to turn off. The dealership also didnt state that the car transmission problems. The car was sold without being properly inspected. The contract itself is breaking federal codes.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX, Equifax and XXXX function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( XXXX, Equifax and XXXX ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. XXXX, Equifax and XXXX are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.
Product: Credit card

I filed a claim for trip delay reimbursement as offered by my credit card on XX/XX/XXXX. I received notice that additional documents were required by the claim examiners and uploaded those documents to the claim portal the same day. I then received notice that further documentation was required and uploaded these additional documents on XX/XX/XXXX. Shortly thereafter, I received another request for documents that I had already provided, with the assertion that they were needed to process my claim. I uploaded all of the documents to the portal again on XX/XX/XXXX. Since that time, I have received repeated requests for the same documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Following each notification, I have provided the documentation requested, and every time, I receive a response claiming that they are still needed. I have called and spoken to representatives of the company on XXXX separate occasions and they have asserted that they will add notes to my file for the claim XXXX to review. To date, I have not been able to resolve the issue.
Product: Credit reporting

XXXX not accurately and fully reported. 
Original Amount Unknown High Balance Missing Recent Balance Missing Recent Payment Missing CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.