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

In XXXX XXXX 2023 I had a XXXX XXXX of XXXX. During that same month I refinanced my student loan from XXXX to XXXX XXXX XXXX XXXX. The loan amount owed to XXXX was XXXX and the new loan with XXXX XXXX XXXX XXXX was also XXXX. 

Once loan companies changed my XXXX XXXX dropped drastically over XXXX points. I had no late payments as I pay timely, I keep my credit usage less than 20 % and my balances are all under 50 % or less. So, if the loan amounts were the same, why would my XXXX XXXX drop XXXX points. 

I have reached out to each bureau for answers however ; I get no response. I think something is not right and would like it corrected or an explanation of why the drastic change when no amounts changed. 

Any help will be greatly appreciated. 

Thanks! 

XXXX
Product: Credit reporting or other personal consumer reports

Over XXXX XXXX is being reported on my eviction report XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, XXXX and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with Prestige.
Is Prestige in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My Prestige Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.
Product: Debt or credit management

I am a victim of Identity Theft since 2019 and I have paper work to show.
Product: Credit reporting or other personal consumer reports

Immediate Dispute of Accounts Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. The details of the fraudulent account are as follows : XXXX Account # XXXX XXXX. XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.
Product: Credit reporting or other personal consumer reports

Lexington law firm was paid to fix my credit an did nothing no letters were sent out to creditors an no change was made
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by XXXX XXXX XXXX The inquiry was initiated without my authorization, and it has negatively impacted my credit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX My Social SecurityXXXX XXXX XXXX My Address at the Time of Inquiry : XXXXXXXX XXXX XXXXXXXX XXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX XXXXXXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX
Product: Mortgage

I am currently being considered for a loan modification and have provided all my paperwork to my mortgage company ( America 's Servicing Company ). They are telling me I am in the final stages of review but that I have a foreclosure sale scheduled on XXXX/XXXX/15. I need help getting the sale postponed so they can complete the modification review.
Product: Checking or savings account

I Buy a service to XXXX XXXX through My Bank debit card of Bank of America, XXXX  XXXX Didnt bring me the service that i bought, so i call the Airline and they didnt solve me nothing so i calles Bank of America and start a Investigation for that transaction, the representative who attended me va phone call told me that in the next 24 max 48 hours the Bank Was going to Put in my account a temporary credit while the investigation is complete, after 48 hours i called again to Bank of America and the representative told me that in the next day ( 3 ) Days the temporary credit was going to be my account, today is the five days i called again today to the bank and told me that my temporary credit can not be placed until after 10 days because my account is a New account, my complaint is for false information to the client from Bank of America, if they dont place temporary credits before 10 days to News accounts, why the firts representative cheat me saying me that my temporary credit was going to be accredited in 24-48 hours, and why the Second representative told me that my temporary credit was going to be accredited in the next day? And the third representative told me something completly diferent to what the firts two representatives told me? Diffusion of false information? Cheating the client? Manipulation of policies for the convenience of the bank? I want that my problem be resolved now, that the XXXX XXXX  return my money, the bank make firts word that gave me when the investigation began, and compensation too for this horrible moment what happened to me and the credibility that i had with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 )  Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 )  Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 )  Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 )  Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 )  Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}
Product: Credit card or prepaid card

On the XX/XX/2023 i called bank of America in regards to my card i was told told my card is closed and i called XXXX in order to rectify the problem they told me the card is not closed that i should contact bank of America in order to receive my benefit card kindly help me get in touch with bank of America so that i can be able to receive my card total funds on the card is {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with capital XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance XXXX, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance XXXX ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX  XXXX, Wells Fargo ( XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I started out with no credit but im working my credit profile up. my credit hasnt been shown for a few months now
Product: Debt or credit management

Using unfair credit practices while youre trying to repair my credit with advanced payments
Product: Debt collection

I told the company years ago that this is not my debt. I didn't approve an ambulance. I was drugged by the hospital without my consent. I didn't authorize, they made a decision for me this is notify debt. they could not show proof that I authorized this. I dont owe the debt. 

I never received any correspondence from this new company. I dont know of this company.
Product: Credit card

On XXXX XXXX my XXXX XXXX credit card issued by Citibank was XXXX used for a total of XXXX purchases. XXXX of those purchases ( XXXX XXXX XXXX ) was reversed and a permanent credit was issued. Another XXXX at Been Verified in the amount of {$1.00} and {$4.00} were listed as being withdrawn by me. I did not withdraw those charges. That being said, after contacting the company, they are reversing the charges. There are XXXX remaining disputed charges. There were XXXX purchases made at XXXX ( whom I have a monthly cell phone service with ) for {$90.00} and {$300.00}. Another was for XXXX XXXX in the amount of {$140.00}. Those XXXX amounts were initially credited back to my account and then they were reversed with Citibank advising me that I was responsible. I believe the XXXX charges were because I told them I have a relationship with that company. That being said, the monthly invoice is deducted directly from my XXXX checking account and has never exceeded {$54.00}. I contacted XXXX and XXXX XXXX and using the credit card number that has since been replaced, they were unable to locate those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

this fraudulent was opened using my personal information according to the 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any info that a consumer identifies as the results of identity theft within 4 business days you are in violation- remove immediately.
Product: Student loan

My student loans were both subsidized & unsubsidized with Sallie Mae with very low or no interest. Then Navient took them over & they were all consolidated at a much higher interest rate. Is that legal? I was originally told my subsidized loans interest could never be raised.
Product: Mortgage

I/we bought a home which was financed through US BANK XX/XX/XXXX as a 30 year mortgage through the American Dream Down payment program. Over the years, payments were made to US BANK and often placed in a " suspense account '' which I/we weren't aware of. I/we were making many payments which they accepted, and failed to apply toward the mortgage loan. As a result, not only did they have the funds in their hands, I/we received no credit for it and therefore were forced to pay late payments and damaged credit. For the last couple of years, I/we attempted to make extra principle payments and found out that they too went to a suspense account which I/we knew nothing about. As a result, I/we attempted to remove the escrow ( which I was told multiple times could be done since there is quite a bit more than 20 % equity in our home, only to find out we had been misinformed multiple times. They are now saying that because this is an " American Dream '' loan, It can not ever be removed from escrow. This was in complete contrast to what was being told throughout this process. My regular mortgage payment is only {$500.00} and is now going to about {$1000.00} which is unaffordable. The way this mortgage has been handled ( whether is legal or not ) has been very costly with SEEMINGLY late payments and fees and they have offered no relief. I offered to prepay my taxes ( which the county allows ) and pay my mortgage premium in full for the year and was informed that if that even if that was done, they would still require that I/we pay the XXXX dollar a month. Refinancing would probably be a problem since payments " appear '' to be late. If they weren't going to apply the payments to the loan they should have been returned not held for the benefit of the bank. All I'm asking is to be allowed to pay my own taxes and insurance so that my money can work for me and not US Bank. This bank claims that they waived a couple of late fees which they should have done because THEY posted a payment to their " suspense '' account which was clearly a mortgage payment and caused a domino effect. After proving it, they went back and made adjustments ( still affecting my payment history ). This is an attempt to do some damage control and get my mortgage under control. There is no risk to this loan by allowing me to pay my own taxes and insurance. That's all I'm asking as it would be a great relief. A look at the history of payments that went to their " suspense account '' would tell a lot. I/we also requested a history of the payments that were processed since this loan began and got one only since XX/XX/XXXX. I will request another one from the beginning of the loan. Any assistance will be greatly appreciated. Thank You!
Product: Credit card or prepaid card

I applied for a XXXX Visa Signature credit card and was rejected. The reference number is XXXX. That card has some XXXX free miles offer. After I was rejected, I applied for a credit card from another company and was successful. 

Then out of the blue, I received a credit card from XXXX Chase, even though I have been rejected and had not reapply. I feel that my data privacy is compromised since I have not applied for a new card ; my data has been used for a purpose I did not give permission to. Also, it appears that Visa wanted to give me a credit card but is depriving me of the opportunity to get the free miles when I first applied. 

I had called them to ask for a full explanation of what happened. I spoke to XXXX from security and fraud ( I Believe ) at XXXX because I was not able to validate an account I did not apply for. It has been a couple of weeks and I have not receive any correspondence from Visa. This is very disappointing because they do not seem to take this issue of personal and data privacy seriously.
Product: Credit reporting or other personal consumer reports

I have un authorized inquires that need to be deleted per USC 1681 B XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXXXXXX two account XXXX XXXX XXXX and a XXXX reward card account I have no statements as to where or what was used the XXXX XXXX  is showing XXXX and the XXXX reward is showing XXXX which both are over credit limit ..midland doesnt have all the statements or purchases and XXXX XXXX refuses to get the documentation Im requesting and are demanding payment on these account that I havent used in over three years and should not owe any balance on
Product: Mortgage

Vanderbilt Mortgage and Finance Inc will not remove the PMI from my house payment. The law is clear. at 78 percent they have to remove it. 
The orginial loan was for XXXX. 
the original contract date was XX/XX/2013 outstanding balance is Principal Balance {$120000.00} i have email them asking them to remove the PMI They say it is only at 80 percent. Not according to the precentage I have. it is currently at 78 percent not the 80percent they claim. 78 percent of XXXX is XXXX if you take the XXXX from the orginial amount of XXXX that equals XXXX. 
the only reason they are trying to not remove the pmi is because it benfits them. AND vanderbilt keeps all of that money {$90.00} a month then sends it to federal at the end of the year. I have not been behind my mortgage I am current, and never been 30 days late. They dont have a solid reason not to remove it. 
They sent me a letter telling me that I had to have a appraisal. The law is clear at 78 percent they have to remove it ..
Product: Credit card or prepaid card

PAYPAL WOULD NOT LET ME CANCEL SOME MONEY I SENT THAT AN ASSISTANT XXXX XXXX COULDN'T ACCESS so i canceled that online account so it would revert back to my card AND THEY STOLE IT AND WON'T ALLOW ME TO ADD MY PAYPAL CARD TO retrieve my information even OF MY PAYPAL ACCOUNT LIKE IT'S SOME actual financial rule OF LAW IN FACT I AM A XXXX WIDOW VETERAN AND THEFT FROM ME IS GOVERNMENT WASTE FRAUD AND ABUSE EXACTLY
Product: Credit card or prepaid card

My wife and I had credit through Wells Fargo for XXXX purchased through XXXX XXXX. The credit loan was {$6000.00} and our balance was {$1200.00} at the time my XXXX XXXX XXXX XXXX. I was not aware of the payments issues until I tried to use my credit card and found out it was on hold. I went to the bank to inquire about the credit card and found that the bank suspended my credit card because of a separate issue. I asked the banker how can I fix this issue with the XXXX XXXX account and get back in good standings with the bank and release the hold on my credit card? the XXXX XXXX Department name : ( XXXX XXXX ) associate account resolution representative, denied given me an option to get back in good standing. Please note my history with Wells Fargo Bank during the last XXXX  years. 
*Opened a checking account in XXXX and took advantage of Bill Pay which I've paid off XXXX car loans and I'm currently paying my Mortgage through Wells Fargo Bank Bill Pay * Opened a credit Card account in XXXX that is also on bill pay recurrence. I had/have a {$6000.00} credit limit with a {$2300.00} balance. This bank could have worked with me so, I could move the XXXX XXXX  balance to the credit card. 
* Wells Fargo offered me a {$10000.00} Signature Loan in XXXX which is also on bill pay recurrence. I have enough history with this bank to be treated fairly when I have shown a history of responsible banking payments. I would like to work-out the XXXX XXXX account as well as regain my credit card status of {$6000.00} limit.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # 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.