23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Macy 's credit card profile was changed. My mailing address was changed without my permission. The fraudulent address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX XXXX {$1500.00} on XX/XX/XXXX before the closing date. It needed to be paid by XXXXXXXX XXXX eastern time and I paid it XXXX hours before that time. The XXXX transactions area shows I paid it XX/XX/XXXX, however their payment area shows I paid it XX/XX/XXXX. My bank statement also recorded it as a XX/XX/XXXX payment. This caused my balance at closing to reflect much higher which dropped my scores significantly at all 3 credit bureaus XXXX, XXXX, and Trans Union. This was incorrect reporting by the credit bureaus and incorrect reporting by XXXX. XXXX account services stated they sent the dispute info asking for a correction to all 3 credit bureaus but the bureaus are not showing an update to reflect the balance to be about {$250.00} versus {$1700.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates.

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in my credit report.
Product: Debt collection

XX/XX/XXXX Di tech financial is trying to collect old bad debt on a home that I lost 17 years ago to foreclosure. 

XX/XX/XXXX I wrote them back certified return receipt that the debt was no longer valid. 

XX/XX/XXXXToday I receive a letter with no description of what they are trying to collect on. Included was a ditech account number and only that they were trying to collect a debt? 

I want these people to stop and to close my account number.
Product: Mortgage

I applied for a modification and was approved. I made the payments as instructed and and agreed upon. I was not late and XXXX transferred servicing to ocwen and then to phh mortgage both companies refuse to honor my modification that was in place. I paid the modified amount for 10 months and have the receipt. I am under a confidential settlement agreement from court action settled in 2017, which clearly states both parties will bear their own cost of litigation, I am being charged for attorneys fees and foreclosure fees which is a direct breach of the settlement. The bill I received from PHH Mortgage Corporation contains erroneous charges as well as no payments applied. I requested by phone and in writing a validation of debt and correction to no avail. It is my understanding that any company claiming to service a loan where a modification is in place is required to honor the modification or they may not service the loan even if they do not offer that specific product. I have asked phh mortgage To produce any and all documents showing they have to be right to service and or foreclose on said note. I need to be sure of several things before making any arrangements with anyone regarding payment such as the right to foreclose, and is phh the correct entity to make payments to, as well as being billed the correct amount. I was offered and accepted a modification from XXXX  and I expect it to be honored. I have made several attempts by phone to speak with my single point of contact to no avail. I am being told my account has been referred to an attorney for foreclosure rather than getting my payments applied and correcting the errors in the account. I have spent hours on hold to speak with single point of contact and have never been able to speak with him. Please help phh respond and correct. Thank you for your attention regarding this matter. Sincerely XXXX XXXX.
Product: Credit card or prepaid card

My credit card with US Bank was suspended because of suspicious charges. Before being notified, I noticed the- charges and attempted to contact bank on XX/XX/21. I could not be connected to fraud specialist at the bank. I sat on hold for XXXX minutes+. I called daily several times a day until XX/XX/21. I waited for 30 minutes+ and was never connected to a person. I went to the physical bank in XXXX XXXX, il and talked to them there. I was told that I had to call fraud prevention to remedy my problem. I tried calling again.and was never connected to a person. This is the XXXX time my credit card has been hacked this bank. I fear that there may larger data breaches happening that put consumers at risk. Also, I am not sure how to try to remedy this situation if there is no way to contact US Bank. Any help would be greatly appreciated! Thank you.
Product: Credit reporting

On XXXX/XXXX/2015. I opened a dispute with Transunion due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the XXXX. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Transunion is legally required to conduct a " reasonable investigation '' of this matter. 4 days later on XXXX/XXXX/2015 Transunion " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Transunion did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Transunion to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and im disputing this for the second time.I will be filing a civil lawsuit. Why hasn't this been taken care of already this is unfair. Lives are being put down to fraudulent activities being on the profile. I have look on different forums and have talk to my lawyer and you are violating the rights of the consumers that you swore to protect. I have filed a FTC report and I request that all the information be blocked from my report. Under 1681r-2 of the FCRA, I meet the exact requirements for the account listed in the FTC report to be blocked. Im attaching proof of identity id and my social. I am also attaching a notarized letter that's signed by me to let you know im disputing. This account should be blocked within 4 days of receiving this from the CFPB. This is unfair and a mistreatment of the law.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries on my credit profile 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 TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I sent letters to Transunion and XXXX, regarding this account and they keep rejecting my dispute letters. 

The account below is in question of its inaccuracy. 

Company : XXXX Account # : XXXX Inaccurate information on account : ( dates ) -Date Opened -Last Reported -Date Last Active - Verify date of last payment All the information is wrong and according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly or delete them. 

XXXX deleted this account from my report because of the inaccurate and unverifiable information on my credit report. 

I provided proof of the mismatch information. 

Thank you for your time.
Product: Debt collection

On XX/XX/ I have received a phone call from a debt collector from Florida ( Enhance Recovery Company ( XXXX ) XXXX XXXX ) in regards of an XXXX account with a total balance of {$610.00} that was opened under my personal identity without my consent. I have never opened an account under my XXXX XXXX XXXX cause my current XXXX XXXX XXXX  Plan is still under my parents. Its also the same company contacted me from last year XXXX month of XXXX with the same issue. I payed the previous one with the amount of XXXX $ knowing that i have never opened an account on XXXX XXXX XXXX just to avoid any stress due to the collection that was showing on my Credit Report. I also tried to contact XXXX XXXX XXXX but they weren't cooperating. I hope this time somebody will help me cause i have been stressing out of these fraud and scammers. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-comply.
Product: Credit reporting or other personal consumer reports

Telling me that I had insufficient funds when what happened was I switch my auto dates from the first of the month to the last of the month. And the company is saying I did not have sufficient funds to pay my car note. I have bought 2 cars from this company trying to purchase another one and they are telling me that I am not qualified for the loaned, because of insufficient funds. Getting the information from someone. They will not tell me where this information is coming from. But I know it's not true.I pay my car payments every month.On time.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. XXXX, XXXX, and XXXX are all consumer reporting agencies. 15 USC 6801 says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition under this title GLOBAL LENDING SERVICES is a financial institution. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution GLOBAL LENDING SERVICES and consumer reporting agencies XXXX, XXXX, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from GLOBAL LENDING SERVICES and XXXX, XXXX, and XXXX. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, GLOBAL LENDING SERVICES ( The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquiry is an adverse item on my consumer report being reported without my permission, which is XXXX the XXXX. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

Tesla offered {$3700.00} referral credit and XXXX miles of supercharging for delivery of vehicle in XXXX to encourage buyers who placed holds on their delivery until XXXX to take advantage of the {$7500.00} XXXX tax credit. Due to this incentive I removed the hold from my order and I took delivery of my vehicle on XX/XX/XXXX. On XX/XX/XXXX XXXX increased the amount to {$7500.00}, double what was initially offered to take delivery between XXXX XXXX XXXX. How is that fair? 4 days later to increase the amount of referral credit. I would have waited to take delivery until the following Saturday. I reached out to the customer service in which I was communicating with throughout the purchase process, and was unable to reach a settlement and was told I was given the best offer at the time. They mislead me to believe that I was getting the best deal in exchange for waiting till XXXX to take advantage of the full XXXX tax credit of {$7500.00}.
Product: Student loan

- In XXXX, I called Nelnet to let them know I was going to take one class in the summer and would go half time in the fall. They advised me that they would " place my payments on hold '' and that would keep my payments on hold but accumulating interest until my I went back to school at least half time. 

- During the summer, I took 1 class. 

- In XXXX, I called them back to let them know I had started classes again in the fall just as I told them in XXXX. I started classes half of the time on XX/XX/19. To my surprise, they told me I had been delinquent for over 90 days as the school had reported in the summer that I was attending less than half of the time. I explained this was correct but in XXXX when I called I had been placed " on hold '' accumulating interest ( forbearance ) until the fall that when I was going to enrolled in a half of the time status. So pretty much what they did is that the 1 class I took over the summer had overridden the " forbearance '' they argued back and forth and explained what all the " hold '' terms meant. They blamed the school for providing wrong information. I explained the information was not wrong but Nelnets failure to proceed as they should, caused this confusion. 

- The reported a 90 day past due to the credit bureaus for all 15 accounts and ruined my credit from the high 700s to the lows 500s! 

- The provided me erroneous information in XXXX, they ignored and bypassed this request despite my call. They did have record of the call but no " enough '' documentation.
Product: Debt collection

I lost my wallet in XXXX someone was using my ID I also went to XXXX because they had bills in my name in debt in my name they have all the phone and use my name for XXXX XXXX and other stuff
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Report act XXXX  Account # XXXX ( XXXXXXXX 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.

16 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: Debt collection

I utilized XXXX XXXX 's services during a trip to New York during the dates of XX/XX/XXXX to XX/XX/XXXX. During the trip, I incurred an additional cost due to tolls, when I did not opt-in to their toll program. However, during the vehicle drop off, I was told that no such costs were incurred and I did not owe any additional money other than what was originally agreed upon. I received a receipt for the agreed upon amount that I paid. 

2 months later I received a bill from a debt collection agency for those tolls costs. XXXX XXXX never attempted to reach out to me to get me to pay the fee. It was immediately sent to debt collection with Viking Debt Collections, and because of it I took a serious hit to my credit score. My contact information was available to XXXX.
Product: Credit reporting or other personal consumer reports

Final Legal Demand : Permanent Deletion of Unauthorized Inquiries and Accounts
Product: Vehicle loan or lease

The XXXX XXXX XXXX dealer, on behalf of its General Sales Manager, asked me to take my XXXX XXXX XXXX and that they would pay me {$10000.00} more than the owed or residual value and XXXX months free of payments. To complete the deception, they did not give me a paper copy of the contract but rather a memory stick that, since I do not have a personal computer, was not opened until they began to fail to fulfill what was promised. Then I was able to verify that none of what was promised was taken into account in the contract ( neither the {$10000.00} nor the XXXX months free of payments ). I made this known to the dealer and XXXX and XXXX XXXX in front of grad sales promised to take care of the matter and apparently did nothing because XXXX continued demanding late payments so I paid them the late payment and returned the XXXX XXXX that they contracted me with deception, in one or two months they informed me that they had sold it for XXXX XXXX and so many dollars, therefore I estimate that I am not responsible for XXXX dollars that they report to the credit for : factory value : price factory XXXX set XXXX starting from XXXX? 
XXXX - XXXX paid : XXXX. 
for XXXX. XXXX upon delivery used auctioned. XXXX. 
Total : XXXX first payment is scheduled for XX/XX/XXXX violating what was agreed and offered by XXXX XXXX XXXX XXXX of XXXX
Product: Debt collection

On Friday, XX/XX/2021, at XXXX XXXX I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.
Product: Student loan

On XX/XX/2018 I received an e-letter from Nelnet regarding my income-driven repayment plan. The letter had relevant typos and incomplete/inaccurate information -- namely, the amount in which my monthly payments would be, the date they would begin at that level, and the date on which any interest would be capitalized into the principal. 

I called the customer service line on XX/XX/2018 to find out the information above. The agent read through the letter with me and said " I think what they mean is X. '' This explanation did not make sense to me and still didn't give me the information I was asking for. Regarding the date of capitalization, the agent put me on hold to ask someone else and said neither of them knew the date it would happen. 

I responded by saying those answers weren't helpful and she said " we work for the government, this is from them. '' I said, " the federal government wrote this letter? '' she said, " no, but this is coming from the Department of Education, that's just how they operate. '' It is not helpful whatsoever to 1 ) not be able to obtain the dates necessary to make payments on my loans or 2 ) hear the servicer blame " the government '' for their own mistakes or lack of competency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5300.00}
Product: Consumer Loan

After a serious automobile accident in XX/XX/XXXX, I went to a dealership I had dealt with at least XXXX other times. I was not in a frame of mind to make a decision since I was suffering from a XXXX and had taken off walking XXXX miles due to my condition. the same salesman I had done business with in the past handled the account. He financed my vehicle through a bank VNB. not sure if it was in XXXX or XXXX, since I received harassing phone calls, telling me they had not received payments. Also, my vehicle and another XXXX have same VIN #. I was proud of my credit history until this bank ruined it.