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

I have a subscription to Experian XXXX. In XXXXXXXX XXXX, I received an alert that my XXXX XXXX XXXX daughter 's social security number was found on the dark web and was associated with the name of a person unknown to me. I decided that my first action would be to find out if there is a credit report associated with my daughter 's social security number. I consulted the Experian website for information on how to make this request. On XX/XX/year>, I sent a packet of information to Experian by XXXX. The packet was sent to the following address : Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The packet was received at XXXX XXXX  on XX/XX/year>, and was signed for by XXXX XXXX. The packet included the completed " Check if a minor has a credit report '' form, along with photocopies of my daughter 's birth certificate and social security card. I also included a photocopy of my driver 's license, along with a copy of an insurance statement as proof of address. I also included a very brief note explaining why I was making this request. As of XX/XX/year>, I had not received any response. On that day, I called Experian to try to find out about the status of my request. My call was forwarded by the first two people with whom I spoke. The third person I spoke to was in the fraud department. He said that he could not answer any questions of any kind regarding a minor 's credit report. In fact, I was not asking anything about the potential credit report. I just wanted to know what had happened to my paperwork and my request. He did not have any suggestions for any course of action for me. I asked if I should just send the whole packet again, and he said yes. I think this answer is unacceptable, given the fact that this packet of personal information had already been received by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the despites with the credit bureaus regarding my Macys account. the account was charged off in XXXX of XXXX the account continues to report as a NEW charge off every month. I called and explained that to both XXXX and Macys. the account should not continue to report every month as a charge-off. It should only report as charged-off in the month that the charge-off actually happened. They have refused to remove the monthly history of the charge off and continue to report every month. I need these deleted from my account. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 13th time I have brought this matter to your attention, and yet, it remains unresolved, which is utterly unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a serious threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX 30 days, XXXX XXXX  30 days, XXXX XXXX  60 days and XXXX XXXX 90 days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

My ex husband took my son to the hospital. He put me down as the responsible party. I was not present and was not aware until I received a bill in the mail. I tried working this our with the doctor which was unsuccessful. I have disputed with all credit bureaus and XXXX XXXX is the only one that has removed this charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 opened at XXXX XXXX XXXX  on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXXXXXX  on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; ) ; a personal loan account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a line of credit account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a bankruptcy account opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX account XXXX ( XXXX ) ; an inquire from XXXX XXXX  on XX/XX/XXXX ; an inquire from XXXX XXXX XXXX on XX/XX/XXXX ; an inquire from XXXX XXXX XXXX on XXXX XXXX I have never lived at nor have I ever been associated with the following addresses listed on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this telephone number ( XXXX ) is not and has never been mine. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 addresses, telephone number, credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

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. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY ; THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$1100.00} THE BUREAUS ( Original Creditor : XXXX XXXX XXXX  ) -XXXX-Balance {$270.00}
Product: Mortgage

I paid my servicer, CitiMortgage, until I paid off my mortgage # XXXX, XXXX # XXXX last summer. I have no idea who actually owned the mortgage. An undated Release of Mortgage by XXXX XXXX XXXX XXXX , XXXX recites that it " does hereby acknowledge that it has received full payment and satisfaction ... and in consideration thereof, does hereby cancel and discharge such Mortgage. '' If CitiMortgage gave my payments to XXXX , XXXX, it misapplied them. XXXX, XXXX does not lend money ; can not hold legal title ; or be a mortgagee under XXXX. law. XXXX. General Laws c. 183, s.65B. I asked Citimortgage repeatedly to return my promissory note. It did not. On XX/XX/XXXX, I sent Citimortgage a Qualified RESPA Request, Notice of Error, & Request for Information for, inter alia, ( 1 ) whatever instrument assertedly authorized " XXXX XXXX, Assistant Secretary '' to execute the purported release of my mortgage on behalf of XXXX XXXX XXXX ; ( 2 ) if my loan was securitized, the complete name of each specific Trust in which it was supposedly securitized ; ( 3 ) the XXXX number for each Trust ; ( 4 ) the Trust 's opening and closing dates ; ( 5 ) the date that my mortgage loan was assertedly sold into the Trust. 
If the Trust 's Pooling and Servicing Agreement or equivalent instrument is not on the public record, provide a certified copy. 
Provide my original, wet-ink promissory note executed in respect of this mortgage, IN ITS CURRENT CONDITION, showing all indorsements or allonges ; Identify the principal ( XXXX ) for whom XXXX XXXX XXXX purported to act as of XX/XX/XXXX and XX/XX/XXXX, with written proof of any authorization for XXXX, XXXX. 
( a ) to act as of those dates for the lender, or the lender 's then-current successor or assignee, with respect to my mortgage, and/or ( b ) to receive my mortgage payments. 
I also asked whether my mortgage was ever assigned, & if so, certified copies of all assignments ; andTo confirm or deny whether my promissory note was ever sold separately from my mortgage. 
And some other things, including the Servicing File. 
Citimortgage received my request on XX/XX/XXXX, per USPS Domestic Return Receipt # XXXX XXXX XXXX XXXX. A XXXX XXXX signed for it. 
I have not received a reply.
Product: Debt collection

As required by the City of XXXX Fair Notice Ordinance ( attached ), The XXXX failed to provide me with the required 60 days notice prior to my lease ending to raise the rent on the following contract ( copy of lease and renewal communication attached ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX My lease was to run from XX/XX/XXXX - XX/XX/XXXX. The renewal terms with significantly higher and unaffordable rates were not extended until XX/XX/XXXX XXXX days prior to our lease ending. 

At the time, I contacted the manager and let him know that we planned to stay had the lease terms not gone up over 30 % plus an increase in utilities from my original terms. The month to month would be over 70 % increase. I let him know it was simply not affordable for a college student. I also informed him that we were now outside of the 60 day notice period to vacate since these terms were not shared timely. Therefore, the property chose to exercise the 30 day notice to vacate option in my lease terms ( see attached lease section 3 ) I provided a written notice to vacate on Thursday XX/XX/XXXX to the front office ( attached copy ) in accordance with the cut-off time indicated by the manager. I referenced that cut-off time in a subsequent email to the property manager ( no longer with the company ). Subsequently on XX/XX/XXXX I received a request to complete a notice of intent to move with my forwarding address which I completed and submitted immediately. I indicated a move-out date of XXXX on the original request but subsequently moved out on the last day of the lease XXXX/XXXX, completed the move-out inspection, and dropped off the keys. 

To my surprise, at the end of XXXX I received an email that at first glance appeared to be phish. It was a bill for over {$2000.00} with no explanation. I requested info and was told it was due failure to provide proper notice. In addition the property logged a move-out day of XX/XX/XXXX. This is totally false as the keys have been in their possession since XX/XX/XXXX which is the same day that I moved into my new apartment. The address was provided to them ( see attached ). When asked for a copy of move out records including record of receipt of keys, I was informed that the previous site manager was no longer employed. I did everything that I was supposed to and deem this collections effort to be fraudulent and at a minimum a gross oversight by their administration team. 

On XX/XX/XXXX I received an adverse action to my credit on behalf of a collections agency Columbia Debt Recovery DBA Genesis that did not notify me until Tuesday XX/XX/XXXX via email ( not mail ) that they have the debt. I have attached a screenshot of the email which appeared like spam. I had to look the business up and was in the process of reading reports of unfair collections practices.
Product: Mortgage

Today is XXXX XXXX My mortgage server is Select Portfolio. In the last 6 months I have followed there direction and listened to them tell me that my Loan status is in review. I have faithfully spoken to them every week to see if they needed any additional documents or just to give me an update on the status. Every week its the same answer that I am in review they have all necessary documents and I just need to be patient. All I wanted is to save my home and I believed that the representatives from SPS wanted to really help me. Today I was served with foreclosure documents in the complaint it says that SPS forwarded my account to there attorneys office on XXXX XXXX, which means they never had intentions to help me. I called the law firm that represents them they told me there client never had intentions of helping me and laughed. I called the bank this evening and Spoke with a representative and he said to me that he felt terrible and after reading the notes on my account he cant believe that SPS did this to me.The he asked me if I could up load my legal documents to him so he could see them. I know what this bank has done is deceitful, they mislead me for months so that they could turn around and take the home away from me. What I did wrong was to trust Select Portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

We understand that the credit bureaus are supposed to conduct investigations and respond with the results within 30 days. We submitted investigation requests back on XX/XX/XXXX, but we still have not received our results.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has all 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 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

On the XXXX XX/XX/year> I received a report that I was trying to apply for a credit card with XXXX XXXX of which it was rejected. But even on that day I was out of the country, I was in XXXX preparing for my wedding. This created a hard inquiry on my credit report at Transunion and am filing for a dispute.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX is the complainant against One Main Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, Ph : ( XXXX ) XXXX. I borrowed {$10000.00} personal loan, I knew the interest rate was about 25 %. I began paying {$300.00} a month for 4 years. 

I switched the payment pattern to pay twice a month that lowered the time I would be paying. Then I discovered half my payment is going to the loan and half is going towards interest. 

To further understand, I asked for a payoff figure and I was told about XXXX, which would be principal and interest which makes this business practice USERY. I was tricked as a not so savvy consumer into paying 50 % interest and I am here to request an investigation into the alleged USERY PRACTICES OF ONE MAIN FINANCIAL.
Product: Debt collection

I got an email a few months ago from the risk collections department of Western Union that somehow I had got a money refund twice from a lost money order. Its been a good year or over but I have been getting emails I could almost call threatening from the getgo from them. I was unable to use their system from credit or debit cards so I sent 2 checks from 2 instituions as I was not in a great spot financially at the time. One from my XXXX XXXX. One through XXXX as to use a credit card for a fee as I was financially strapped. I believe one went to the address for the risk collections department, And the other to Western Union Corporate headquarters. after a few more emails and a phone call i was assured both checks would be cashed and debt settled. a few months later I got an email saying I owed the amount again. The full amount. I asked why and were my checks sent not deposited. They said both were returned. I never got any email or call or info from my credit union or plastiq or charged a fee for returned checks. I believe either the risk collections departments employees are either to incompetent or inconvenienced to deal with depositing checks and or kept the checks hoping I'd pay this debt again and then deposit those checks in a fraudulent manner.
Product: Vehicle loan or lease

On XX/XX/XXXX I have purchased a vehicle through XXXX XXXX  XXXX dealership located at XXXX XXXX XXXX, XXXX, CA XXXX. The vehicle sold to me is XXXX XXXX XXXX ( VIN # XXXX ) in used condition for the total price of {$11000.00}. I have also traded in my previously owned vehicle, XXXX XXXX XXXX, worth {$2100.00} for {$1200.00} value that the dealership has set for it. Despite the lack of credit I had at the time of purchase & my young age, XXXX XXXX XXXX dealership locked me into a loan agreement with Santander Consumer USA, the only finance bank that has approved me for the loan. Santander Consumer USA has utilized their own internal score generated to approve customers that were at high risk to default on their loan, such as myself. Specifically, XXXX XXXX   XXXX has attempted to approve me for multiple different finance banks during the sale process, all of which have denied me in return due to my lack of credit & no option of cosigning, except for Santander Consumer USA. Although I was approved for the loan, I was locked at an outrageously high interest rate of 25.81 %, resulting in a finance charge totaling {$11000.00} over the 6 year course of my loan repayment. 
I firmly stand by the fact that this is a perfect example of predatory lending. Both parties - XXXX XXXX XXXX XXXX & Santander Consumer USA were completely aware that I was absolutely ineligible for the loan approval & was at an extremely high risk of defaulting on my loan, yet I was approved with the help of an internal score ( that I was unaware of ) that Santander Consumer USA has generated as was mentioned. The unscrupulous sale tactics performed by both parties have led to the ending result of me being stuck in a lengthy contract with a shockingly high interest rate & an overall potential risk of defaulting on my first loan ever. 
At the time of my vehicle purchase & contract signing, the finance department of XXXX XXXX XXXX dealership has advised me to refinance my car after 6 months of purchase. This was one of the many deceits that were utilized to persuade me into the purchase because when I have applied for refinancing, I was firmly denied due to my low credit score. 
Since I wasnt able to refinance, I have attempted to seek other options with Santander Consumer USA to which they havent been able to assist me with. Their response to my dire financial situation was once again utilizing fear tactics to ensure I remain on the loan & maintain my payments somehow, without a concern of how that would be managed on my end.
Product: Debt collection

My car loan company calls me up to XXXX 7 times per day. I have asked them twice to stop calling me. It is excessive and unnecessary and a hindrance to my life. I pay my payments online and pay extra just to avoid any telephone communication with them. I have asked them twice by phone and once by email to stop calling me.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX