23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed bankruptcy chapter XXXX in XX/XX/2016 - at the time of filing a tax lien showed up out of no where.. I received no bills or documentation about this debt. i contact the credit reporting agency for info. they referred me to XXXX XXXX XXXX XXXX XXXX in XXXX -stated the phone number to contact the original creditor was XXXX. I requested a dispute .the credit reporting agency Equifax stated the information was verified. i went on to contact the creditor myself, at the number listed on my credit report, talked to multiple people they stated they do n't handle taxes at the number XXXX -and could n't understand how the credit reporting agency was passing out their number for such taxes. according to the FCRP they must provide correct contact information for the creditor which they have not which is a violation. additionally the creditor did n't provide any validation notice ( XXXX dunnying notice ) to all me to validate the debt prior to credit reporting. i have contacted them .but only can talk to collections department which act like pit bulls. Stating I know I owe the money and pay. they are not above the law because they are state agency .they have since added another tax debt mind you I did n't get a notice for this one either. showing recorded XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX {$260.00} phone number XXXX .. which they also state tax. they are again reporting incorrect information for the creditor which means there is n't any way to verify the debt w/ the creditor. how is the data finisher verifying these debts if the information listed on my credit reporting is incorrect please verify. i have disputed these items multiple times which have never been verified because the contact information is incorrect.. the credit reporting agency is could n't verify the debt w/ the wrong contact information listed
Product: Student loan

I was on hold with NelNet for just shy of 2 hours. Someone answered the phone, took my name and social security number, and then disconnected the call. All I need is the account number so I can make a payment. I do not have another 2 hours to wait to get this information. I can not log into the online system because I am the co-signer and the student borrower has defaulted on their loan, thus leaving it to mess with my credit.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, it's essential that we eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate, and it's causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated my rights. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I made Experian aware of incorrect information on my credit report filing a dispute, although I sent physical evidence supporting my position Experian still continue to report adverse information, the disputes continue to this day. XX/XX/XXXX Experian claimed to reinvestigate the matter and reported as accurate and verified, I asked for physical proof fcra 609 for my own records which Experian has not responded I asked them to reinvestigate which they decline fcra 611, Experian continue to place itself above the Law.
Product: Checking or savings account

PNC does not permit me to link my landlord account to the online property management system " XXXX XXXX '' and I am unable to make deposits of incoming rent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized XXXX XXXX to inquire about credit. XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was the victim of fraud that caused a delinquent account to appear on my credit report. I corrected the issue and the fraud has been removed from my credit report. 

However, this fraud is continuing to affect my credit score, because Chase decreased all of my credit lines. For example, I had a credit line of over {$30000.00} and it has been decreased to {$5000.00}. 

This is as a result of the fraud, and I need to have that credit decrease decision that was made solely due to fraud reversed. I have never had a late payment or a delinquent account, and I have been a customer for about a decade. 

However, they have no mechanism in place to reverse their decision although they are fully aware of the fraud This is creating a feedback loop, because my high credit utilization is decreasing my credit score. But when I ask to have my credit limits re-instated so that my utilization returns to normal I am told that they refuse to do so because my utilization is too high. But it is their decision, based on fraud -- and they KNOW it to be fraud -- that has made my utilization appear so high. 

It was previously about 3 % across ALL of my credit lines. Now it is over 70 %.
Product: Credit card or prepaid card

On XX/XX/XXXX a fraudulent purchase was made on my Bank of America credit card in the amount of {$500.00} at a XXXX grocery store in XXXX MI. At no time were the credit cards ( 2 ) out of my possesion. This charge was also accompanied by 2 fraudulent claims on the same day that were caught by Bank of America and reported to me, where I informed them that it was not me making the purchases. On XX/XX/XXXX when I received my bill, I noticed the charge and immediately reported it to Bank of America fraud department. They removed the charge pending investigation. On XX/XX/XXXX I received a letter informing me that my fraud claim was denied and I was liable for the {$500.00} fraudulent charge. I did not make the charge, nor was I in XXXX on that day. I would not grocery shop that far from home and the presence of 2 other attempted fraudulent charges on the same day should be enough of a red flag to uphold my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2018 I began working on cleaning up my credit. After sending in my driver 's license, social security and proof of address to TransUnion they mailed me a copy of my credit report. After reviewing it I noticed incorrect names, addresses, accounts etc listed on my report. I filed disputes with TransUnion requesting that they remove the inaccurate information from my record. I continued to notice that TransUnion was not correcting my personal information. So after mailing them at least 4 times, I decided to call. I contacted TransUnion on XX/XX/2018 and spoke with a rep who stated that they had corrected my name and I requested that they mail me an updated report with my name corrected. Unfortunately when I received my report my name was still incorrect. I am not sure how I can trust TransUnion to accurately report my credit history if they can't even get my name right. So that is why I am filing this complaint. I just want them to have my correct name on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my report regarding the account XXXX from XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 I deposited XXXX by wire transfer to Sallie Mae for a one year cd. 
On XXXX/XXXX/16 I received an email which said my statement was available. copy attached. 
They gave me no previous warning that they were imposing onerous conditions on me that were unnecessary since they had my money. I then told them I did n't want to do business with them and to refund my money. they propose to charge me a fee that they call early withdrawal. and I feel is wrong and due to their fumbling.
Product: Credit reporting or other personal consumer reports

Im truly baffled by how inaccurate accounts ended up on my credit report today, and I dont know what went wrong. I checked it like I normally do, but this time, these errors just appeared out of nowhere. I tried refreshing my browser, thinking it was just a mistake, but nothing changed. These errors are still there, and I really need the documents Ive provided to be thoroughly reviewed, so I wont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud
Product: Vehicle loan or lease

I am stuck in an extremely high loan for a used and 10year old vehicle. The Company is not willing to refinance the vehicle cause me financial hardships.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my account from XXXX XXXX XXXX XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the same way that XXXX  and XXXX  has done on their end.
Product: Money transfer, virtual currency, or money service

My bank account was hacked and when I contacted U.S Bank about it they claim that no error has occurred, which is incorrect. Whomever hacked my account put their phone number on my profile so I was not notified of the transactions happening. The phone number put on my account is XXXX. I have also filed a police report on XX/XX/2022. 
These are the transactions I am disputing. 

XX/XX/2022 {$1900.00} Account number XXXX XX/XX/2022 - {$2000.00} Account number XXXX XX/XX/2022 - XXXX Account number XXXX XX/XX/2022 - XXXX Account number XXXX XX/XX/2022 - XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with Transunion 's credit reporting as their investigations have not fixed errors on my report yet. I believe Transunion is taking their sweet time only to then not fix my report from the errors. Im a big victim of I.D THEFT, i've had issues in the past with fraud accounts on my report due to a incident in the past and all 3 bureaus fixed the errors quick fast in a timely manner pursuant to FCRA 605B law. But for some odd reason now, these accounts that are fraudulent are still lingering on my report even after an appropriate time frame for Transunion to have removed them by now. Whats going on? I need this handled as its affecting my livelihood, smh I WENT AND GOT A NOTARY FOR PROOF IT IS ME DIRECTING THIS DISPUTE AND INVESTIGATION THAT YALL MUST NOW HANDLE! 

Please do your jobs and block these fraud accounts i have listed on both the extra sheet and FTC affidavit
Product: Debt collection

XXXX XXXX, XXXX has been attempting to collect an unknown debt from me in the name of a XXXX XXXX XXXX  in the amount of {$430.00}. XXXX XXXX, XXXX is not licensed to operate in California under sec XXXX.
Product: Credit reporting or other personal consumer reports

Account name : XXXX Account number : XXXX Date opened : XX/XX/year>. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> This account was opened and furnished as the result of a data beach/identity theft. This account is reporting without any active balance. Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. This account is reported in accurately there is no balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. 

1692GB proof of chain of title of honor This charged off account must provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely.

10 usc 1692GB proof of chain of title of honor Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX 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 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 on those accounts 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 XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

In XX/XX/XXXX, I applied for and obtained a credit card for XXXX XXXX through Comenity Bank with an initial credit line of {$4000.00} bearing a regular purchase interest rate of 24.99 % and promotional purchase rates from 0.00 % - 2.99 % dependent upon the repayment period, from 12 months - 36 months. The account was maintained in good standing and paid according to terms and as a result in XX/XX/XXXX the account 's credit line/limit was increased to {$5200.00}. Further, the account was maintained in good standing through XX/XX/XXXX. In XX/XX/XXXX, I inadvertently missed a payment on the account and was immediately subjected to credit review and a reduced credit line at {$4600.00} imposed. Thereafter, although the account was brought current by XX/XX/XXXX ; Comenity Bank engaged in balance chasing and systematically lowered the account 's credit limit as follows : XX/XX/XXXX - {$3800.00} ; XX/XX/XXXX - {$3600.00} ; XX/XX/XXXX - {$3400.00} ; XX/XX/XXXX - {$3200.00} ; XX/XX/XXXX - {$3100.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; and XX/XX/XXXX - {$2700.00}. But, on or about XX/XX/XXXX, I telephoned the ComenityXXXX XXXX representatives, expressed my objections to the practice of balance chasing and requested my account be closed. Notwithstanding, although the account was closed, bank management or its approved systematic programs reopened the account to lower the credit line from the XX/XX/XXXX credit line of {$2900.00} to the XX/XX/XXXX of {$2700.00}. I recently telephoned the Comenity-XXXX XXXX representatives and inquired upon whose authority did the last change of the credit line/limit of the account closed XX/XX/XXXX occur? The supervisory response was because the account experienced a returned item it was allowable or warranted. The account as of this writing is current with a balance of {$2300.00} comprised of promotional purchases with interest rates of 0.00 % - 2.99 % with extended payment terms. I do not believe management 's most recent action of lowering the credit line after the account closure is warranted nor allowable within current consumer credit rules, regulations or law.
Product: Mortgage

The day after filing CFPB complaint XXXX, I received a call from Select Portfolios indicating that my account had been sent to the attorneys for legal action and forclosure. 

This action by Select Portfolios is in retaliation and has been conducted with malice for my filing a formal complaint with the CFPB.
Product: Debt collection

My names XXXX XXXX, and today my husband received a phone call from a debt calculator regarding me. I do not own any debts. The person had all my information even the last 4 of my ssn # and she was talking with my husband about it. She stated that she was calling from Orchard Bank that now is a Capitol one household bank. She give him an amount of {$2000.00} and to pay of somewhere in {$1800.00}. That they mail me a letter on XXXX, XXXX of this year and that I need to pay it off. I do not have any credit cards with this bank, nor I do not own any debts. Dont know where they got my information from. They number the person called was XXXX. I googled it and there is plenty of complaints about that number that they are scamming people. She give the name XXXX XXXX. She even give my XXXX  an account number XXXX.