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

Experian continue to report incorrect address on my credit report. Following are the incorrect address : 1. XXXX XXXX XXXX, GA XXXX Note : Incorrect address, must be removed 2. XXXX XXXX XXXX XXXX XXXX GA XXXX Note : Never lived at this address, must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act 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 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  ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.
Product: Credit reporting

A family member of mine opened a XXXX credit card In my name and ran up the bill, now my credit score is poor because of it.
Product: Credit reporting or other personal consumer reports

I am a vicim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XX/XX/XXXX I got a Home Equity line of credit from XXXX XXXX XXXXXXXX. The monthly payments were automatically being withdrawn from account. Therefore I was never late nor has I ever missed a payment. Unfortunately I lost my full time employment XX/XX/XXXX. On XX/XX/XXXX I filed XXXX XXXX and was given a monthly payment plan by court ordered Trustee. At that point the XXXX XXXX XXXX automatic payments stopped XX/XX/XXXX. XX/XX/XXXX I completed the repayment plans and got a successful discharge. The XXXX XXXX XXXXXXXX account was included in the payment plan. Immediately after I got my XXXX XXXX  discharge I started receiving numerous notices of payments request from Specializes Loan Services LLC. I had no idea who they were because I had never done business with them. I later learned that XXXX XXXX  XXXX gave or sold them my account after my discharge. Specializes Loan Services LLC has been demanding full payment from XXXX which those payments had been going to my trustee per the Court Order. Now Specialized Loan Services LLC have totally destroyed my credit by reporting to all the major credit bureaus that Im has 34 late payments on my mortgage. My actual primary mortgage is with XXXX XXXX XXXX XXXX which Ive never been late or missed a payment. These actions taken by SLS is now jeopardizing my Top Secret Clearance which Ive had for over 30 years which jeopardizes my meaningful employment capabilities. Ive tried everything to get this matter resolved but SLS operates like an aggressive debt collector demanding {$25000.00} from me. In XXXX I filed XXXX XXXX to help get myself back to financial stability. SLS has now unjustly risk my chances of decent employment and or cash out refinancing. Ive attached 3 documents which verifies what I have outlined in this report. Both XXXX XXXX XXXXXXXX and Specialized loan services are reporting the same account to the credit bureaus. I find it hard to believe that this is a legal action. Right now I dont have the funds to hire an attorney to address these critical matters.
Product: Mortgage

I am refinancing my existing mortgage with Navy Federal Credit Union and I am at the closing stage. My loan agent was pressuring me to schedule a closing date for Tuesday XXXX XX/XX/2020 and I had not received my closing disclosure. I received it Friday XXXX XX/XX/2020 in the afternoon while I was at work so I couldn't look at it until I got home. When I looked at it I sent e-mails to cancel the scheduled closing because my escrow account was grossly excessive. It had listed a cushion for homeowners insurance at 9 months of {$100.00} and property tax cushion of 6 months at {$470.00} per month for a total of {$2800.00}. My total property tax and insurance bill for the year comes to {$5400.00}. The cushion for my escrow should only be listed at 1/6 of that total according to RESPA section 10. They have my monthly escrow payment listed as {$570.00} which is {$120.00} a month over what it should be if you divide {$5400.00} by 12 months which would be {$450.00}. My total escrow cushion of {$2800.00} plus my 12 months of escrow payments at {$570.00} equals {$9700.00} for the year. My total escrow disbursement for the year is {$5400.00}. I asked my loan agent why the payment was so high and she said it was probably because of inflation. She said she has never heard of RESPA and she has been doing this for a long time and this is how Navy Federal Credit Union handles their escrow accounts. On Navy Federal Credit Unions website it lists their procedure for escrow accounts that is in compliance with RESPA section 10 but the employees don't follow it. My existing escrow account on my current mortgage with them has been handled in the same fashion. I have never had a refund in 4 1/2 years and every year I get a bill for triple the amount of my property tax and insurance yearly increase and my monthly escrow payment amount also goes up.
Product: Debt collection

i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I was booking a flight on XXXXXXXX XXXX  website and an offer for the XXXX XXXX XXXX American Express Card popped up during checkout, which offered a {$500.00} statement credit and XXXX miles upon booking the flight and meeting a certain spending threshold ( photos attached outlining the offer ). However, I received a letter saying my application was declined. This was strange because I am pre-approved for this same card in the Amex app ( photo attached ). I called Amex and they said I was rejected due to " incentive control '' even though I am currently pre-approved for this card with similar incentives ( also, I only have one other Amex card - I am not gaming the system ). Additionally, Amex said I had applied too many times between XXXX ( four times ), even though for the first three times I clicked through the application, I withdrew the application after receiving a preliminary rejection. Amex customer service could not explain why I was pre-approved for this card, and yet my application was rejected. Over the phone with customer service and a supervisor, they said my application was rejected because the offer listed on XXXXXXXX XXXX website is not available. I would like them to uphold the offer listed during checkout on XXXXXXXX XXXX website. Otherwise I feel as though the advertising was misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items below to be in error. Pursuant to 15 USC 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. I NEVER gave YOU, XXXX OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and anxiety due to the abusive and unfair practices. You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to me, the consumer. These accounts are listed with late or missed or delinquent payments and that is incorrect. The following accounts were never late and should be listed as PAYS or PAID AS AGREED/CURRENT.. XXXX  XXXX XXXX  XXXX # XXXX I was never late on this account, update the account as paid/current.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX BANK has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

First I would like to say with all honesty why wouldnt I have called sooner if I new it was fraud I would have called the next day to report. I wouldnt have waited 2 an half years an then report because I didnt now until we were trying to buy a house threw your bank an thats is when we found out we were being defraud for the last two years an now you send me a letter saying I am responsible for it. How can I be responsible for sum thing I had no idea was going on until XXXXwe called the government to see if are money was in fact going toward are student loans an they were not an that is when we called immediately to stop payment an report fraud. An now you wan na say it is are fault that we just have to eat it when you bank with a bank for years you would think they would insurance your money for fraud.I even sent you a letter with all the forms you keep having me fill out for nothing because you send one back saying it is my fault for not reporting sooner if I had known it was fraud I would have reported it a lot sooner then XXXX XXXX years later I am out XXXX for the first payment an XXXX a month up until XXXX of this year which you all did get back three months but you arent investigating that good because if you was you would see that cornerstone is fraud an they have stolen millions from millions of people thinking they were paying there student loans but in fact it was fraud all along an we didnt not now until we tried to buy a house an that even messed that up too an now you wont help me get my money back at all. US Bank wont help us get are money back from fraud that we had no idea about if they would investigate it thoroughly to see it is fraud an human error for trying to pay for are debt if I had knowing we would have report it a lot sooner we didnt not now!!!
Product: Credit reporting or other personal consumer reports

The negative rating on my account is deeply troubling due to its potential credit impact. It has already led to a loan rejection and higher interest rates on my current credit accounts. This situation is causing severe financial and emotional strain, which will persist until resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called or messaged Experian, XXXX and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all 3 that was not possible.
Product: Debt collection

The company I.C. System Inc is illegally re-aging an old debt. The original date of last correspondence that my husband received from XXXX, was in XX/XX/XXXX seeking {$1000.00} on past due debt. My credit report shows the last date of payment in XX/XX/XXXX, yet I.C. System Inc continues several times in a month, to update the debt as new which in turn continually TANKS my score each month. This is illegal and I want to file a complaint AND sue this company.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 


XXXX XXXX XXXXXX/XX/2013 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - XX/XX/XXXX My name is XXXX XXXX XXXX and my property ( XXXX XXXX XXXX ; XXXX # XXXX ) has been out of my possession since XXXX XXXX due to a drunk driver hitting me from behind. I have injuries from this accident and was in therapy before my departure to XXXX, XXXX for a family death and to legalize my marriage XX/XX/XXXX. Since I was out of the country to pick up my repaired property COAF took matters on their behalf. ( I have attached vehicle repairs, therapy receipts, arrival & departure tickets, & marriage license ) XX/XX/XXXX According to Capital One Auto Finance ( COAF ) my vehicle was repossessed because I failed to redeem my options to receive my vehicle back or make such payment. I have exercised every right that I had pursuant to 15 United States Code ( U.S.C. ) 1635 ( b ) once I had returned to the United States, but COAF still took the initiative to sell my property without my written consent ( as COAF calls it an INVOLUNTARY REPOSSESSION ). 

XX/XX/XXXX - XX/XX/XXXX I sent a certified mail of a Limited Power of Attorney/Lien Certification to execute all documents. The pay-off balance {$530.00} that was due after the date of sale XX/XX/XXXX has now been issued as a Gap Cancellation Refund but I only received a check of {$190.00} for a Overpayment Refund on XX/XX/XXXX After response to my complaint through the Attorney General of Pennsylvania, COAF denied all allegations and preceded to attach records of transactions of payment history to justify the proceeds of the sale on XX/XX/XXXX. 

According to this XXXX XXXX Report there are transaction types consisting of codes and field translations. There are also definitions listed to help clarify the meaning of each transaction. 

Principal : The portion of the transaction that was applied to the principal. 

Total : The total amount of the transaction There is NO TransCode Action/Field translation available for : XXXX Tr.Code - XXXX, No Action/Field XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - R COAF has committed fraud through false and misleading transactions throughout this contract according to title 15 U.S.C. 1692 ( e ). All of the miscellaneous transactions have no further explanations.The Total amount of the transaction has always been {$0.00} since the first day of the transaction up until the sale and further, unless I made a secured payment of {$370.00}. That is the only TOTAL amount listed, meaning this account has already been paid in full since the first day of the transaction history according to title 15 U.S.C. 1667 ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank - closed 6 of my credit accounts without notice. When I called to discuss why one of my attempted transactions was denied ( I was using my Shell Gas Card ), which I pay off every month. I was so embarrassed that the card was denied. 

When I contacted Citibank, I was told that my account had been closed because I appear to be a credit risk to them based on the number of inquiries on my credit reports based on their recent review. I received no notice of this action. Upon further research on my part, I discovered that all my credit accounts that were issued by Citibank had all been closed. All but one had XXXX balances. 

When last checked, my credit scores were in the 700 's, I have no credit card debt. I have a mortgage and two car loans and a student loan. That's it. Although the mortgage and cars are joint with my spouse. Nonetheless, my credit is dang near perfect. I haven't seen an 800 score since my 20 's. 

I feel they closed my accounts unfairly. I don't see how I can be a credit risk when I have no debt and all my accounts are all paid on time.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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: Vehicle loan or lease

Have no knowledge of what was done due to be just released from jail this year due to being in there on an assault charge for me defending myself.
Product: Debt collection

I do not have any account with this company, have never heard of them and this needs to be deleted.
Product: Credit card or prepaid card

I responded to a solicitation from Paypal to get a Paypal credit card through Synchrony Bank. It has a {$10000.00} credit limit. On XX/XX/2023 I paid the bill from them for {$8400.00}. The money was immediately taken from my checking account. While looking up something about the account, I noticed my credit limit now appears to be about {$1500.00} rather than {$10000.00}. The customer service rep explained " Because you made a large payment, the account is frozen until XX/XX/XXXX. We want to make sure we get the payment. '' I see multiple problems with this situation : 1. I was not given any notice they were freezing the account. I did not know not to use the account. 
2. This appears to be a penalty for paying the bill promptly, rather than accruing interest charges. 
3. They had the money on XX/XX/XXXX. How can they restrict my credit card use until XX/XX/XXXX? 
4. There is something very wrong about discouraging people from paying their bills. 
5. I had planned to pay a large bill online with this credit. Had I done so, it would have been declined and I would have suffered serious penalties for not paying on time
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  was removed on my Transunion Report but is still showing on Transunion Report
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX