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

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report
Product: Credit card

Comenity bank calls me from XXXX to XXXX everyday from regular number to private numbers through out the day. I haven't spoken to them as the last time I picked up I informed the lady i couldn't talk as i was at work and would have to call back she repeatedly said well then I will have to say we haven't reached an agreement and you you refused to pay and I informed her no I'm aware these phone calls are recorded and they is not what I said. It all began when I paid off my credit card and went to get my hair done with my XXXX XXXX XXXX when I entered the building I had approx XXXX XXXX {$500.00} on credit available. When i left the building ( which BTW my payment went through for services ) it said my credit was only {$200.00} and now I was over my credit limit by over {$200.00} which made no sense because it would have never went through if the credit wasn't there. Ever since they tacked on fees and all that I refuse to pay because none of that should have happened. And now they constantly call my phone everyday from XXXX to XXXX.
Product: Mortgage

I have called Freedom Mortgage multiple times to get my PMI removed from my mortgage loan and i keep being told it is not possible. I am above the 78 % equity and do not understand why it is not possible to remove this pmi insurance from my mortgage payment.
Product: Credit reporting

I have a duplicate account on my Experian Credit file and I have disputed this information with Experian on more than one occassion yet they continue to report XXXX the accounts. I do n't understand how XXXX different collection agencies can even own the same debt much less XXXX them report it on my credit report. I have attached a copy of my Experian credit report showing that XXXX the accounts say XXXX XXXX XXXX XXXX as well as attached documentation from both of the companies that they sent to me when I requested validation. Whether I owe the debt or not is not the point in this situation. The fact is that this account has been misreporting for years now and affected interest rates etc. for anything I have purchased. I 've spent hours disputing the accounts and following up and I 've done my part to get the issue resolved and seems as though noone can get their ducks in a row pertaining to these XXXX accounts being duplicates and both of them reporting. This is illegal.
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 15 USC 1681.

Experian Report Number XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 seven 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, credit repair services, or other personal consumer reports

This is my 5th Complaint informing the Credit Bureaus that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy XXXX
Product: Credit card or prepaid card

I informed XXXX about a transaction of {$240.00} charged on some traveling website. XXXX with in 10 minutes they declined my transaction. I worry they have not even tried to verify transaction of the person who the ticket is under name of. What is going on?
Product: Debt collection

Midland Funding sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted Midland several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CASE NUMBER : XXXX is still on my consumers credit profile it was confirmed fraud and identity theft XXXX of the main reasons for my fraud alert thats active for XXXX years unless I say otherwise. EXPERIAN you are still reporting inaccurate information on my consumers credit profile after XXXX  days to update. Remove inquiry immediately. XXXX XXXX CASE : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is showing XXXXXXXX XXXX XXXX which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.
Product: Debt collection

According to the FCRA section 605B it is illegal to report information on my credit report without my permission.
Product: Checking or savings account

I filed a fraud report with Bank of America after someone cashed two checks in my name. They sent a letter stating that they are pleased to confirm that report is taken care of. Since then, they took money out of my mothers account and left her with XXXX because they said I am not a victim.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I pulled my free annual credit report because i was in the market to buy a home and my family when I received my report i was shocked to see what was on it. It caused me great stress because i hade no idea that the accounts on my credit report was not mine so i filed a identy report to have those items removed from my credit report and I notified my bank and had them to freeze all my accounts until further notice
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card balance reported for XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I had an Mortgage with XXXX XXXX  from XXXX XX/XX/XXXX and the mortgage has been transferred over to LoanCare , LLC XXXX We made our last payment on XX/XX/2021. We made our first payment with Loancare LLC on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of XXXX pts. Loan Care LLC is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of Loan Care LLC. 


I can be reached at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.
Product: Debt collection

XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX XXXX and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

These accounts were charged off. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. They failed to investigate this account properly and there neglect has violated my rights. I am demanding a deletion of the following accounts described herein : XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX I have repeatedly requested an investigation on these account with the investigations concluding accounts reporting accurately. I have also requested method of verification with no response or proof of verification.
Product: Money transfer, virtual currency, or money service

Coinbase is locking selling options for people. Customer service is not responding to people. If customer service does respond, it is a spam email thats sent to everyone who has the same issue. It can take 30 days to get the spam email. People are being locked out of their accounts. We can not use our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to XXXX because the reporting of these late payments are not supposed to appear on a consumers report. 
According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2. 
This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the 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 XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I check my credit report on XXXX XXXX every XXXX days, I noticed on XX/XX/year>, that there was a hard inquiry from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX In XXXX XXXX, for a personal loan, I did not apply for any loan through this company. Due to prior identity theft, it is noted to call me to approve any loans or applications, I received no call. Please investigate and assist in deleting the ding on my credit report Thank you
Product: Debt collection

I am not sure exactly when I started receiving calls from portfolio recovery company. I have perfect credit I have not received any letters in the mail I have not received anything online telling me that I owe anything to anybody. 
I am able to check my credit report through XXXX XXXX  anytime I want and it doesnt show that I owe anybody anything. this portfolio recovery calls from all different numbers and luckily my phone silences them but Im very tired of seeing this on my phone there is no reason for it since I do not owe them or anybody any money. I want this to stop. I have screen prints if needed for all the times they have called and from where. Thank you they all come in as portfoliorecov I will show you a few theres just too many. 
XX/XX/22 XXXX XXXX - XXXX l XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rest I dont know because I was just deleting them. thanks
Product: Mortgage

Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. 
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. 
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. 
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. 
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. 
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. 
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number:XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : Highest reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and Experian report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and Experian indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation. 

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card or prepaid card

Today XX/XX/XXXX XXXX XXXX  notified me that care credit had closed my account. I called spoke to a woman who said sorry I don't know the problem you will get a letter in up to 20 days, I said no I want to know why now. She said it was closed due to none payment. I said how is that when I am never late and sometimes pay twice a month. She said she was not sure it's just what it is. I said I want to speak to a manager. Manager said the account is closed do to late payments on other cards ( not true, I have 100 % good payment history ) and one returned payment. I told her this was the first time, something came out of my bank unexpectedly and also that it was not a regular payment for this month it was a second. I said also I can not pay my card because I can't get on the website or app to pay, she said it was to bad because interest fees will accumulate and credit will get ruined further for non payment. 
She said the account is closed nothing she can do. I told her I will report this. They ruined my hard work on bringing up my credit. This should not be allowed.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a paypal user. now my paypal account was closed by paypal and they frozen my money. It has been 180days and according to their policy, they should send the money to me.please help
Product: Credit reporting or other personal consumer reports

I didn't authorize these credit inquiries and would like them removed from my credit INQUIRIES XX/XX/XXXX XXXX via Dealer, XX/XX/XXXX XXXX, XX/XX/XXXXXX/XX/XXXXXXXX via Dealer, XX/XX/XXXX AXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXX/XX/XXXX