23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I received a letter stating my request for my interest rate to be reduced per state SCRA law was denied. This came after I provided a copy of my military orders. XXXX  state law dictates that scra applies to debts incurred before XXXX after entering XXXX XXXX service. The explanation given by XXXX ( mortgage company ) was that my home loan was not a service and therefore did not qualify for the XXXX benefit for XXXX XXXX XXXX. This letter I received was delivered almost a whole month after I first started the process. I find this ruling to be complete nonsense, because a mortgage companys only product or service is home loans but they can claim that is not a service when asked to apply military scra.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$680.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$680.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity. 
Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

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. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX  account # XXXX, has violated my rights because the date of last active is inaccurate, and the date opened is inaccurate. 

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 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.

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 

I have been trying endlessly to log in to equifax to obtain a credit freeze. The website states I have an existing account, in which I do, but have forgotten my password. 
So it then tells me to click need help signing in if you forgot your password. 
I do this and it asks me for my information over and over again, and keeps telling me to contact them, So I do this, via the automated system. This system also wont allow me to gain access, even though Ive answered many security questions. 
Then, after many attempts, I get a live person on the phone, sounds like hes in XXXX. Hes asking for my social security # and other identifying means, in which I reluctantly give him. 
He then asks me to upload my drivers license and a selfie to him in order to verify my identity. No way do I feel comfortable with that. I cant believe a credit bureau is asking me to send all this to a man over the phone in a foreign country!! 
There is a flaw in their website that does not allow you to reset a password or identify yourself via online. 
The other two credit bureaus took me two minutes to freeze my credit. Why is it that I have to mail or send personal information that could be stolen or accessed by people I do not know to this credit bureau? 
Please help
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Citi via the web chat function and spoke with a representative. I was laid off in XXXX and just returned to work last month so I needed some additional time to get caught up. I was allegedly enrolled in a COVID-19 forbearance program and was told my next payment would be due XX/XX/XXXX, and that I would receive written confirmation of this in the mail within 7 to 10 business days. No such confirmation occurred and I began receiving internal collection calls from Citi. Today, XX/XX/XXXX, I called and after an hour on the phone and having been hung up on several times, got to a manager in the " resolutions '' department who more or less told me I was lied to and there is nothing that she can do. I have the ability to make the XX/XX/XXXX payment that is due, so that is not the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal information
Product: Debt collection

Unwanted calls from this company numerous times. Company calls from different phone numbers throughout the day by using local phone numbers. Company calls close relatives numerous times when asked not to or to be removed from call list.
Product: Student loan

Servicer has failed to : Perform court edicts Respond to information requests in a timely order Continues to try to collect on loans that have been discharged Failed to refund amounts due
Product: Mortgage

I fell behind and submitted a application for mortgage assistance due to burial fees of my mother passing away XXXX XXXX I completed the application and its still in review for 3 months now and i submitted all documents and finished all my paperwork through XXXX which assisted me as well with the application. Its in the underwriting stage but its taking a toll on my credit and it also is taking a very long time for repayment or any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for a credit card recently and there was an inquiry done in my credit report. XXXX  and equifax low my credit score for an inquiry that was made under my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently went to get a credit report for all three credit reports and two or three of them have me with zero establish credit and being I never ever had my license I cant of had an auto loan like it says I do an auto mortgage a house mortgage in a repossession Ive never owned a house nor have I had a card nor my license and Im not deceased this is a really bad time to have a horrible mixup or a breach or something you guys did wrong I also never had a bank account get close on me I still have the same exact account and I paid the balance to keep that account everything is wrong and you guys are doing the worst please get back to me ASAP Im starting school my masters program in less than a week and I cant get a loan or anything because you guys messed everything up and its wrong and I need a loan for school and a card to build credit and you guys have me with things I never even had or done Please I have nobody or anyone my child though and I need credit everything is wrong and I need a school loan this isnt right I start in a week and all of it is terribly wrong I cant believe you people XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,, 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX. Accounts : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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, credit repair services, or other personal consumer reports

I have sent the company Experian and email twice within the last 3 months requesting to cancel my membership with them. I have not received a response from them and they continue top charge my card for said membership. I've tried contacting them through their phone number and as of XXXX XX/XX/2020 i am still on hold. It is almost XXXX on the same day. This is absolutely frustrating, they don't want to help you. They don't have a way to cancel your membership yourself so you are forced to call them and wait long hours just to get to a human. I am fed up with this company and will NEVER recommend them to ANYONE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX XXXX XXXX XXXXXXXX XXXX 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXP XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

I have called each fraud inquiry and they have stated that my information is not in the system. They stated that they have no record of my name DOB, SSN or signature of authorization on file so stated by the Fair Credit Act any unauthorized and fraudulent inquiry must be removed immediately.

Please Remove Hard Inquiries listed Name of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Name of Inquiry : XXXX XXXX Date of Inquiry XXXX
Product: Debt collection

Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; Portfolio Recovery Associate, known as collections. XXXX XXXX XXXX, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. Portfolio Recovery Associate, for the amount of {$500.00}, merchant XXXX XXXX and XXXX XXXX XXXX, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.
Product: Vehicle loan or lease

The company calls at least 5 times a day and now is calling my daughter daily. They tell her in the phone that they know she is my daughter. They also have started calling my son in laws phone daily and he wasnt even a reference. We are unsure how they got his number. 
We block the number and they call from another number. 
I have a lawyer and bankruptcy paperwork is in the final stages. I am on the back half of my loan so all interest has been paid. 

Company is Flagship Financing..
Product: Debt collection

THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated they removed a fraud alert without my consent. To my knowledge, this never happened, nor did I give permission, consent, or authorize a fraud alert to be removed.
Product: Credit card or prepaid card

My due date for my XXXX XXXX  issued XXXX credit card monthly payment was XX/XX/18. On the evening of XXXX, approximately XXXX, I logged on to make my payment. Although I did not know this at the time, the company has an XXXX EST cutoff to schedule same day payments, so I was forced to pick the following day as my date, so I was charged a late fee. When I called the company, they admitted that I have an excellent payment history with them, so they said they would take off {$15.00} of the {$27.00} fee. I replied back that the entire fee should be removed as I was not late with my payment- they said their policy was to " never remove late fees. '' This is a deceptive and fraudulent practice- by removing any portion of my fee, they are admitting fault. Why aren't they able to remove the entire fee? They are able to, they just don't want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX  XXXX Balance : {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I got a cashiers cheque with the funds that was in my account from my former bank before closing XXXX XXXX XXXX  I was told by the teller that I have up to 5 years to cash the Cheque  a year later I took it to my new bank Citi bank and deposited it. A few days later, citi bank closed my account and said that the Cheque was stale dated. Its been almost 90 days and citi bank have been going back to back with me about getting my funds. The issuing bank told me that the Cheque was cleared by citi bank but citi bank have been holding my Cheque. They investigated and told me that after 60 days they would rekease it and open my account but its been almost 90 days and still nothing. 

Cheque Valued XXXX {$25000.00} Date Deposited XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am enrolled and have been enrolled for the current academic semester. Although, I am taking eight week courses, instead of the traditional sixteen week courses.

Any time I take eight week courses it creates a loop that effects me and my cosigners credit score drastically. The Clearing House letter is not received until classes have started for the student. For the first two months of the semester, it does not show I am enrolled which causes my loans to be taken out of default for " not '' being a part time student. Even though I am, my classes just begin later in the semester. It is the same amount of credits and full course just condensed to a shorter period of time. This falling out of deferment period greatly effects my credit score as well as the cosigner on my student loans. There doesn't seem to be a root fix for this issue currently since it's " just how the system works, '' I was told. For now, I can file for correction here, once I have my Clearing House letter, I was also told. So I spent time writing this out more thoroughly since I may have to do this very thing again in the future when I take eight week courses.

Please see the letter from the Clearing House I had to special request to get before my classes started. A letter that they may not be able to get to me any earlier in the furture. I have attached this document to remedy my credit score and put it back in good standing. I have three loans that should show as in deferment with no missed or late payments via the start of this school semester. There are two under Discover Student Loans and one for XXXX XXXX. 

Discover Student Loans ACCT # : XXXX Discover Student Loans ACCT # : XXXX XXXX XXXX ACCT # : XXXX Please make sure this information is updated and reflected on the cosigners credit report as well, that is also associated on these accounts. Thank you and have a great day!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Unauthorized inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent MULITPLE Letters to Equifax and they have failed to respond within 30 days. I sent a XXXX XXXX Letter on XX/XX/XXXX, a No Response Letter on XX/XX/XXXX, an additional No Response Letter on XX/XX/XXXX. I have sent a FTC report 5 times to Equifax and nothing has been done. I also sent an Intent To File FTC Complaint Letter on XX/XX/XXXX and Equifax has yet to respond to any of my letters. Equifax is violating Fair Credit Reporting, Section 611 ( a ) ( 5 ). They have failed to verify information within the 30-45 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX & XX/XX/XXXX prior to doing a voluntary repo for my XXXX XXXX XXXX, I had several telephone conversations with XXXX XXXX department discussing the pros & cons in returning my car. 

I was told this return would be listed as a voluntary as long as I return the car to a local Nissan dealer, also incurring NO additional charges or fees. And any balance due would be written off as a loss. 

Nissan is reporting this on my credit bureaus as a charge-off ... not a voluntary repo/ loss which affects my credit tremendously. I have a decent score ... but each month the supposedly balance written off as a loss is showing as a charge-off monthly. 

I currently will be homeless in 3 weeks because no one will accept my credit showing a charge-off. 

Nissan refuses to list my voluntary repo as so or as a total loss written off. I have submitted several disputes with the credit bureaus & Nissan refuses to remove the wording Charge Off. 

Can you please help me to have them correct the reporting issue? 

They have refused so far.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I applied for a personal loan with XXXX since they stated they were going to pull my Transunion credit report. Every time I have pulled my transunion credit report it shows a score of XXXX with no delinquencies which is consistent with what was ruled by an elected Texas Judge last month. When I got the response from XXXX they stated my transunion score was showing delinquencies and a score at XXXX because of defaulted debt. I filed a complaint over a month ago to make sure they information I was receiving was the same they were sending to lending companies. This shows that is NOT the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing an account with Equifax Information Services, XXXX XXXX XXXX Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. Equifax has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!