23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXXXXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Collection/Charge Off 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  - Tied to an open account ( Auto Loan )
Product: Credit card or prepaid card

I've held a couple of credit cards with Chase for a total of about 4 years. 

After making a big payment made to my cards card Chase responded by reducing my credit rating on two cards down to within {$500.00} of the balance on the card. My credit rating suffered a XXXX point drop as a result and Chase is using my lowered credit score as the justification for lowering my limit, even though they're the ones who did it. 

Throughout my history with Chase, I've never missed a payment, and I've always paid more than the minimum monthly balance. I've been the perfect customer, since this particular card is a rewards card so I used the card instead of letting it sit. 

After getting sick over the summer with XXXX, my credit card use increased for a while but the extra use was paid off when my XXXX check came in. Chase says my increase in utilization was the reason for their cut in my credit limit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account from XXXX with a balance of {$20000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Equitable Acceptance Corporation charged me illegal upfront fees to perform document-preparation services consumers could do themselves through the U.S. Department of Education. 

The corporation advertised that they were a loan forgiveness program approved by the federal government ; that I would have to pay a certain percentage of my income for 10 years and the remainder of my student loans would be forgiven. 

On XX/XX/2016 I was telephoned by XXXX XXXX, Implementation Specialist. He said that I would pay a percentage of my income towards my loans and after ten years it would be forgiven. He then said there would be a fee collected for the loan forgiveness service. On the same day I was asked for proof of income. 

On the same day, XX/XX/2016, I signed the contract with Equitable Acceptance Corporation. 

On XX/XX/2016 my account with XXXX was opened. Since that time I have made XXXX payments of {$49.00} a month.
Product: Credit card

I was promised 18 month 0 % interest financing, however, the company Barclaycard is charging me interest and refuses to correct or refund me for the interest they 've charged.
Product: Mortgage

My loan was purchased by Freedom Mortgage. During the process I had several payments that were sent to the old servicer and were not forwarded according to RESPA guidelines. During this time I had defaulted on my mortgage due to failure to forward the payments which has since been resolved. However, Freedom Mortgage inappropriately reported late payments on my credit report during such time. My loan is current and the issue has been corrected however XXXX has not corrected my credit reports as I was informed. In fact all three of my major credit reports reflect different information. XXXX did acknowledge and take responsibility for this issue and reversed all late payment fees but has not updated my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from XXXX  in XXXX XXXX XXXX  XXXX.Me my wife fell down got XXXXShe fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX  Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX  to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.Workmen Comp of XXXX  refused to pay us any compensatation because we dont work for XXXX.That is Stupid law to keep working for same Company you get hurt at.XXXX  employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX  and XXXX  for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26  % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
Product: Debt collection

Midland Funding LLC left court papers on my XXXX year old grandmother 's front door. My grandfather and father are both deceased. We share the same first and last names. The collection agency used unauthorized and incorrect information to file a complaint with the court in XXXX County - where I do not reside - over a debt over 6 years old. I have no recollection of this debt. I wrote all XXXX credit bureaus to have old debt removed 4 years ago. To my knowledge this account was removed. It appears to have been opened again in 2015 AFTER it was originally removed from my account. The collection agency will not stop leaving documents at my grandmother 's address - which is leaving her visibly shaken and upset - and calling repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

Dear All, It is more than a year that I have been asking for a partial release from BSI, have tried reaching to supervisors and even the president but have received no reply. 

Our mortgage with BSI is against the XXXX XXXX XXXX ( XXXX XXXX, XXXX # XXXX ) ; our Home Mortgage number is XXXX. However, perhaps in an error, the adjacent land next to this property ( which also belongs to us ), XXXX XXXX, is also included in the load documents including a lean of the bank, which is why I have requested ta partial release of XXXX XXXX. I made this request frequently since XXXX of XXXX ( below the start date ). However, there has not be even a single reply from BSI. Since we now have a new construction on the lot of XXXX XXXX XXXX, I have again frequently requested by phones and emails that XXXX conducts this partial release. 

This XXXX XXXX XXXX is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage and we request to be released ( as a partial release ). 

Example of email communication dates : " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX XXXX ISSUED '' " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Fw : Attention- XXXX XXXX Per our call today-Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX/ XXXX ISSUED '' " XXXX XXXX XXXX Dear All, I would like to request a partial release of XXXX XXXX XXXX. Our mortgage number is XXXX Mortgage number XXXX. 

This is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage. 

After several calls, one of BSI customer service agents indicated that I need to fill a form and that I will receive this form. I never received it, I searched online and found the attached form, which I filled to the best of my knowledge. 

I have also attached a survey and a few other related documents that clearly show the adjacent land is not part of XXXX XXXX, and may be removed / released. "
Product: Debt collection

I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report from XXXX and XXXX after a recent dispute and saw an item reflecting adverse information from Credit Acceptance Corporation. I am 100 % sure that Credit Acceptance Corporation did not follow federal procedure in validating the alleged debt on the account in Question. The transferring of my information to the Credit agencies listed is not lawfully transferred. Credit Acceptance Corporation has not lawfully verified a contract agreement between the consumer and Credit Acceptance Corporation bearing two wet ink signatures by Consumer XXXX XXXX and Credit Acceptance Corporation in which a contract shall be made valid per contract law. Credit Acceptance Corporation has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, Credit Acceptance Corporation has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and XXXX nor XXXX did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.
Product: Credit reporting

On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get the free credit report but the bureau says the information provided is wrong.
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my consumer reports from XXXX, TransUnion, and XXXX, resulting from identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I did not authorize the inclusion of these transactions on my reports. This is my official request that this account be permanently blocked and removed, as it is reporting adverse 30-day or more late payments. This is inconsistent with the record, which shows a payment made in the prior month. Additionally, there are discrepancies between the account numbers and account names. This incorrect information is harming my ability to obtain new credit. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XXXX of 2016, Midland Funding/Midland Credit Management added a collection to my credit report for {$2600.00}. This alleged debt did not originate with Midland Funding and they have failed to provide me with any documentation with my signature on it stating I owe this debt. It is a violation of The Fair Debt Collection Practices Act and I demand this action be removed from my credit report and all threats of litigation and any pending litigation be halted immediately.
Product: Debt collection

I called and XXXX  told me it was comenity capital bank. I tried to contact Comenity because I do not have a contract with XXXX and wanted to know the actual balance. I talked to XXXX at XXXX ext XXXX explained the situation to him. He said even if sold it should show something. XXXX has dates as open XX/XX/XXXX which is incorrect I never signed any contract or talked with them for them to put that as the date opened. they also have updated last report day on a regular basis. The original date opened with Comenity was XX/XX/XXXX.
Product: Credit card or prepaid card

I filed an SDI claim with the State of California EDD office. The State of California EDD office issued the payments to my Bank of America EDD debit Visa card and I set up automatic transfers of the full amounts to my bank account ( checking ), however, none of the payments were transferred to my checking account. The payments were supposed to be transferred as follows : XX/XX/2020 - {$89.00} XX/XX/2020 - {$620.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$400.00} XX/XX/2020 - {$620.00} All of these transactions appear on my B of A EDD card account as transferred however the amounts never ended up in my bank account.
Product: Consumer Loan

I applied to Citizens Bank to take advantage of their Citizens Bank Education Refinance Loan I have never missed a payment on any credit issued in my credit history. I am up to date on all credits issued. I have a credit score of XXXX and I was denied an Education Refinance Loan. I feel that Citizens bank has violated the regulations of the Unfair and Deceptive Acts and Abusive Practices I feel they have Bait and Switched what they claimed would be a chance to repay my student loan in a timely matter. When I called to ask questions I was told by the person on the phone " Well it looks like you have XXXX options to repay your loan, borrow the money from a family member, win the lottery, or die '' I feel this was a way of them saying that they do not think that my life or my wanting to better my financial situation is worth the time to actually look at my credit report and see that I should have been approved for this loan, and with out a shadow of a doubt that repayment would be fulfilled according to the terms of the loan. I find the way that I was spoken to on the phone and the way that my application was denied with my great credit history and payment history again is violating the Unfair and Deceptive Acts and Abusive Practices regulations and a Bait and Switch scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these accounts multiple times ive sent multiple CFPB complaints my rights have been violated under FEDERAL LAW 15 U.S. Code 1681b ( a ) ( 2 ) attached is my FTC report and my letter of instruction that was both sent certified mail. There are also two POLICE AND FCU accounts reporting with the same account number that needs to be deleted immediately
Product: Credit reporting or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX XXXX XXXX XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX XXXX XXXX which is incorrect- I have never missed any payment on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.
Product: Vehicle loan or lease

Navy federal credit union. In XX/XX/XXXXmy auto loan thru navy federal was total loss. The auto was totaled and I filled and signed out all paperwork to claim as auto complete loss. I even went into a navy federal branch ans signed the title as a complete loss. I financed thru another credit union and nothing came up as a repo and was approved loan. After many years I leased an auto thru a credit union, nothing came as repo. Then in XXXX I am trying to lease another car and repo of the total loss pop up from XX/XX/XXXXand can not get approved for loan. I called navy federal and nobody seemed to care at all and talked to 7 or so people to help me but no help at all. Left 2 voicemails to have issue investigated by navy federal and no call backs at all. I called navy federal the next day and they did not have any info about my calling or anything. Finally talked to someone and they are finally taking a look at the issue. Very unprofessional of a credit union not caring about an error they made. The auto loan was closed in XXXX Of {$2200.00} and some how reopened as a repo and would like this matter taken care of due to navy federal not caring about it. Thanks so much for the help best number to reach me at is XXXX XXXX XXXX or email XXXX. 

Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX and Experian Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what XXXX  is reporting. XXXX  is Reporting my account over 180 days late as is Experian. XXXX   says they verified it, but there is no way. the same is true of Experian. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with XXXX  3 times online always getting answer verified. And 2 times written to XXXX  with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$490000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00}