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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; GA XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a disputer with experian about an account that XXXX XXXX XXXXXXXX closed XXXX  and wrote off in XXXX but they will not remove this from my credit report despite the debt being from XXXX, XXXX  years later it is still on my account now written off and listed as closed. They refuse to look into this after I filed a dispute last year and they failed to update their credit file.
Product: Credit reporting or other personal consumer reports

This is my 9th 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 records 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX  XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}. 

Please provide documentation as well as check the FDC status.
Product: Payday loan, title loan, personal loan, or advance loan

It was a loan arrangement online that the terms were very unclear. It is a {$750.00} loan with a payback amount of {$3500.00}. With the amount being taken out every single week and I would not have signed for that cause it is too much of a financial hardship. Tribal nations can no longer claim financial sovereignty due to Supreme Court decision XX/XX/XXXX and I believe this loan was in very bad faith, I was rushed through the process, and was not even the original company I contacted for the loan. I never would have signed these terms and the state of Maine gives me a week to contest the loan. This is definitely aggregious and have filed multiple complaints both state and federal.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the unlawful and improper practices of TransUnion, XXXX, and XXXX ( collectively referred to as the " Credit Reporting Agencies '' or " CRAs '' ) related to the illegal reporting of my transaction history. Below, I detail the specific issues and violations of federal law : I am formally opting out of any and all authorizations I may have givenwhether written, verbal, unwritten, or impliedfor the XXXX to share reporting of my transaction history Under XXXX XXXX. XXXX, financial institutions and their agents are bound by an affirmative and continuing obligation to respect the privacy and confidentiality of consumers ' non-public personal information. Reporting transaction history without explicit consent violates this statute. 

Violation : XXXX, XXXX, and XXXX have engaged in the unauthorized reporting of my transaction history, which is illegal without my consent. 

Impact : This unauthorized action directly undermines the Congressional mandate for safeguarding consumer privacy, as outlined in the Gramm-Leach-Bliley Act and its supporting provisions under the FCRA Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 6801 Unlawful Reporting of Charged-Off Debt as Income Under federal law, charged-off debts are considered income for tax purposes when reported to the IRS via a XXXX XXXX. However, income is not a permissible category for reporting on consumer credit reports under the Fair Credit Reporting Act ( FCRA ). The FCRA and related case law establish that consumer credit reports must only contain accurate and permissible information directly related to creditworthiness, not income classifications. 

Violation : TransUnion, XXXX, and XXXX are unlawfully reporting charged-off debts as derogatory trade lines on my credit report despite their reclassification as " income '' under IRS regulations XXXX This constitutes a clear violation of the FCRA because income, especially income derived from forgiven debt, is not authorized for inclusion in consumer credit reporting. 

Supporting Legal Precedents : XXXX XXXX. XXXX ( a ) : Restricts the type of information that can appear on a consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Emphasized that misleading information on credit reports can violate the FCRA. 
XXXX XXXX Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Highlighted the importance of accurate classification of debt in credit reporting. 
Impact : The misreporting of charged-off debt as a derogatory item when it should be classified as income causes severe harm to my credit profile and undermines my creditworthiness. Additionally, it subjects me to undue financial and reputational harm by inaccurately portraying my financial behavior.
Product: Mortgage

Why did your company deny my right to a complete servicing file, in CFPB complaint number XXXX? In your response dated, XX/XX/2016, your company responded ; " Please note, all other items are considered unduly burdensome and will not be provided. '' My house has a set foreclosure sale date, XX/XX/2016, due in part to errors contained within account. How is assisting me, by providing requested documentation, I have rights to under RESPA, in efforts to prevent the foreclosure of my home, " unduly burdensome ''? How is obeying, rules and regulations, set forth by RESPA, in execution of duties as role of servicer, " unduly burdensome ''? Please explain in detail. 

Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome, and should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 

Please cease foreclosure proceedings in relation to this account, and fix all errors, in relation immediately! 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 card or prepaid card

Chase closed all my credit card accounts, checking and saving accounts.in XX/XX/XXXX. I contacted them once before, and asked them why do they close my account. They said they can not see reason behind, but that is their decision. I do not understand what's worng with my account. I have been using Chase over 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there. 
Im not sure if I followed the right steps, but this is the problem that Im having. In XX/XX/XXXX I was involved in a accident with my motorcycle that was bought with a loan trough Volkswagen Credit inc. I was hospitalized but I always been in contact with VW credit to understand better what was the right thing to do. I payed my monthly fee  on XX/XX/XXXX and kept a line of communication with constant phone calls. All of the sudden on XX/XX/XXXX, right after I make my monthly payment, Ive received a letter that was stating notice of our plan to sell the property. I did contact them via phone to figure what exactly was going to happen. An associate of VW credit had reinsured me at the the time and told me to wait until the motorcycle was sold at the auction. The motorcycle was eventually sold and the new numbers where available ( what I howe at the time plus the tow company expenses minus the amount due the motorcycle being sold at the action ) I contacted VW credit to discuss the situation. Tone where different since the beginning ( even the way that normally the number was working before this happened an automated voice system was answering, now a real operator was answering my calls ) and I was asked to pay in full or to contact XXXX XXXX a company that handle those situations for us. I couldnt pay the amount in full so I contacted XXXX XXXX to discuss my options. When I contacted them they didnt have my info in file, they say was a mistake and to check again. So after few calls and days my file popped at XXXX XXXX. I spoke with an operator and found a solution that was beneficial for both parties. For the next year or so I didnt really need my credit score number for any particular reason until last month where I figure that my score was lower  than 600 when I was remembering having over 780. I asked for a credit report and discovered that VW credit had kept file me negatively since XX/XX/XXXX with 4 REPOSSESSIONS in 2 different time ( XXXX/XX/XX/XXXX and XXXX/XX/XX/XXXX ) I didnt even know that they were still involved and I tried to understand with them what they were expecting me to do exactly, I never missed a payment and I was always there for find a solution that could have benefit both parties. Now my credit score is as low as ever I had XXXX agent suggesting me to dispute this, but she was saying that trough them I cant have the cancellation of this record and that will stick on me for 7 years! 
I think there is some macro mistakes here ( the 4 times Repossession of a crashed/ sold motorcycle is one of them ) Im originally from XXXX and I might not be the most knowledgeable person about this matter, what I know is that I never refuse to pay ( unless asked to pay in full ) I never been late with the payments and that I kept a line of communication the all time.
Product: Credit card or prepaid card

I received an invitation directly from Citibank to apply for a credit card. The incentive for applying for the card was XXXX XXXX XXXX frequent flyer miles if approved. I was approved for the card and proceeded to reach -- and far exceed -- the requisite dollar spend within the first 90 days of receiving the card. I called Citibank a month after having paid them more than {$4000.00} inquiring when the XXXX miles would post to my XXXX XXXX account. They informed me at that time that they were not going to give me the miles since I had a credit card open with their company within the past 24 months. At no point during the application process, after I was approved for the card, after receipt of the card, during the first 90 days of using the card and spending more than {$4000.00} did Citibank advise me that I was ineligible for the promotional offer. Citibank targeted my business and presented the offer to me. I did not need or want the card. When I made a complaint with their customer service, they offered to give me XXXX XXXX XXXX miles and said someone would call me within 24 hours. That was two weeks ago and I have heard nothing from them. I informed them that I would be filing a complaint with your agency and they still have refused to work with me or correct the situation. Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX  Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} COAF XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

I purchased my home through NACA 's first time home buyers program and closed last year with XXXX XXXX XXXX. My home is in need of repairs which I was aware of at the time of purchased and added extra funds to my mortgage ( Escrow Hold Back XXXX repair loan ) to cover the home repairs. The contractor they provided and recommended was terminated due to poor communication, work and missing 2 deadlines. NACA 's HAND department only allows you to work with their vendors and currently there are only 2 contracted vendors to complete construction work in the XXXX XXXX area. I requested documents from my lender and was provided amended whited-out information which invalidated my case in court against the terminated contractor and is a violation of public policy. I have requested to have an meeting with the lender, myself and NACA 's HAND department but have only been told by NACA that it's their information and they don't have to share the lenders contact information or inform them of my requested meeting and I can write the lender but NACA 's HAND department will give them the letter. NACA 's HAND department and refusal to provide me the lender 's lenders contact information has caused delayed work on my home and finical hardship. Throughout my time working with NACA 's HAND department they have displayed poor communication, missed requested meetings, phone calls, unanswered questions regarding my home repair, and told that I am not being honest regarding my home repairs. I have tried to have my voice heard by those in leadership only to be sent an XXXX link with 2000 people discussing the NACA program and no one offering to help resolve the issues with the company, you aren't even allowed to file and complaint with the NACA program. When contacting XXXX XXXX  XXXX I've been directed to communicate with NACA regarding any issues but when speaking with NACA HAND department I am directed to talk to XXXX XXXX  XXXX regarding all issues. XXXX XXXX  XXXX stated that NACA would be able to setup and meeting between the lender and myself but I have yet to get an response back from NACA 's HAND department. Emails dating back to XXXX regarding complaints and requesting meetings.
Product: Debt collection

On Saturday XX/XX/2021 we were notified that our account with XXXX XXXX XXXX XXXX XXXX was closed. After inquiring with the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, we were notified that, although we were set up on a payment plan and making monthly automatic payments as agreed up until XX/XX/2021, the account had been turned over to collections. On XX/XX/XXXX, I contacted the business by phone and was told that the account had accidentally been placed with collections and that their system sometimes does not recognize payment plans if they are set up online. I was also told that the error had been corrected and I would receive a call to re-set up the payment plan and that I would not need to do anything further. We never received a phone call. On XX/XX/2021 we received a letter from a collections agency, AMCOL Systems, letting us know that the account has been turned over to them and we have 30 days to dispute the validity of the debt in writing or judgment will be taken.
Product: Credit card

I just started using care credit this year for pet expenses. I recently maxed out the credit limit on the card. My first payment was due on XX/XX/XXXX so I paid the minimum payment due plus {$1000.00}. I used a rep to make the payment so I could apply the excess amount to specific promotional balances. I was told XXXX XXXX  to post and then my account would have credit available. My purpose was to pay down on a XXXX month deferred promotional balance so that I could use the card to pay for upcoming expenses at a vet who offers XXXX  months deferred interest. On XX/XX/XXXX I tried to use the card and the available credit had not been updated to reflect the {$1400.00} payment. I called care credit and was told that anything payment over {$1000.00} may cause the entire payment to be held for several days. So I could not use the card for the vet bill as I intended, nor can I use it for the vet charges that will be incurred on XX/XX/XXXX because I was told by a second rep at care credit that the available credit will not be updated until midnight Monday night so Tuesday, XX/XX/XXXX, it will be available. That's XXXX days after I made the payment. He said if I had made XXXX {$700.00} payments on different days, there would have been no problem. And, he said this holding of payments is done randomly. So I paid {$1000.00} extra on the payment to care credit for no reason and still have to pay more money for the vet bills that had to go on a different card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over XXXX00 points because Experian is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open