23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a credit score as high as XXXX. I have been working hard to maintain my credit bureau reports; making sure that there are as few inquiries as possible. I rarely use my credit. For some terrible reason there were a number of fraudulent inquiries put on my credit report when I was in the market for a car. It took a lot or work to remove those inquiries so that in XXXX, there were only two inquiries on XXXX & XXXX on XXXX and XXXX. My credit scores were in the mid-700 range. Shortly after that in XXXX, I applied for two credit cards ; I should have been approved for both cards, but was only approved for the Citibank Mastercard. In XXXX, XXXX I decided to apply for a credit line increase so I could buy the futon. I called Citibank & was transferred to the voice activated system which told me they could handle the request w/out putting a hard inquiry on my credit reports. I hung up & called again. I decided to go through the voice activated system. I never spoke to a human. My request to increase the credit line was denied. Ten days later, I received a text message from XXXX stating they had received my request to increase my credit line and that it was denied and that was not supposed to have gone to the credit bureaus. I checked the credit report : sure enough, XXXX did a hard pull inquiry on my credit report and made the date retroactive to XXXX XXXX XXXX I called Citibank and complained vehemently. I spoke to a woman in the banking division who told me that all creditors have a form called a Letter of Deletion used to remove such things as hard pull inquiries. She took the information and promised she would forward the Letter of Deletion to the proper people to have the hard pull inquiry removed. They never removed the inquiry. I also have written two long letters to XXXX and the other credit bureaus explaining what happened asking them to remove the hard pull inquiry from Citibank and they have not. When I called the credit bureaus, I was told that Citibank is the one who has to remove the inquiry - which is actually not true ; because the live agents at XXXX, XXXX & XXXX were the ones who removed the plethora of hard inquiries when I attempted to buy a car in XXXX. Citibank has fraudulent & deceptive practices & I am extremely angry with them for lying and fouling me up as they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints against Diversified Due to them ignoring my requests of validation to this alleged account they are reporting on my credit report and keep saying to contact XXXX when they are reporting on my credit report with no documents but an itemized bill which is hearsay no signature of any kind to back up their claim so I have send them letters also certified keeping track of every letter and correspondence the letter tracking number XXXX I have send them requesting proper validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspondence local state laws. I have requested " validation '' that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay but they still have refused to and all they send is an itemized bill which is not proper validation. Instead they keep ignoring my request and refuse to properly validate. An itemized bill is hearsay. Please note that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I was signed up for experian credit reporting as a result of a data breach, at the end of the free year i began being automatically billed by experian. I have repeatedly asked and emailed to have this service turned off but i keep getting billed for it. 
I first noticed the charges on my account in XXXX, I called on XX/XX/XXXX and was advised to also send an email, I also submitted an email that day and recieved verification of cancellation, I am still recieving these charges.
Product: Credit reporting or other personal consumer reports

THE HOME DEPOT/CITIBANK is furnishing incorrect information to XXXX that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The Home Depot received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The Home Depot and Citibank owe the estate.
Product: Student loan

Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has so much false information on it and when I checked all three bureaus all the information across the board is inaccurate. I need this to be resolved immediately. I called multiple times to resolve the issue and I sent in a ton of dispute letters. I also asked them to send me proof of some of these accounts and they have yet to do do. Please get these negative items removed immediately. Not to mention when they do remove some of these items and correct the problem, they add them back on under a different account number and I am tired of this. I know somewhere this is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX  XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX  XXXX  v. XXXX  XXXX XXXX  XXXX  : XXXX  v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected.

XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX, XXXX  XXXX XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX  XXXX, XXXX XXXX  XXXX
Product: Mortgage

I requested a 6 month forbearance for my government backed FHA loan in compliance with the federal CARE act. My loan servicer, Dovenmuehle Mortgage, refused to comply with federal law. They will only offer 3 months, and at the end of those 3 months will require a lump sum payment. They refuse to restructure the loan in anyway to assist with the lump sum. 

I requested 5+ weeks ago to relocate for my job. I have called multiple times and they state there is no one in the Research Department that will take phone calls to update me. I have asked for permission to relocate because I am required to do so since this is an FHA loan with occupancy requirements. I have updated them weeks ago that this is now more urgent due to Corona virus and losing my full time job. They refuse to answer me. 

I got a notice that due to my forbearance, they will be requested a new appraisal of my property as part of Loss Mitigation and I will be responsible for this appraisal. I did not agree to this nor is it necessary, since they have agreed to at least 3 months forbearence and payment was only just due for 1 month as of today. 

I have spoken to HUD, and they have agreed my mortgage servicer is in violation of FHA and federal law.
Product: Credit reporting or other personal consumer reports

You are reporting the wrong balance and collection agency for account XXXX. My credit report shows a balance of {$200.00} when the creditor informed me that the balance is incorrect. I have attached the last statement from the creditor to show that you are in violation for reporting inaccurate information. XXXX has removed this account due to misleading and false reporting. Remove this account for inaccurate payment history and for reporting the incorrect balance.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 

XXXX XXXX XXXX XXXX : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and Transunion
Product: Mortgage

My wife sent our home mortgage payment to our lender on time ( first of the month ) but had written the incorrect amount in the numerical box but the correct amount on the written line of the check she had sent. The mortgage company held the check and did n't inform us of the error until the payment was considered late ( last of the month ). Had they contacted us with the error we could have corrected it and the payment would not have been considered late. When we contacted our lender they said they had done everything " by law '' and were unwilling to remove the late pay entry on our credit report.We would like to re-finance our loan but are unable to do so, because of the late pay entry on our credit report.
Product: Checking or savings account

On XX/XX/2022 i went to a chase ATM and deposited {$300.00} total in XXXX bills of {$10.00}. The ATM shutdown and malfunctioned resulting in eating the {$300.00} i deposited into the machine. I immediately called chase customer support as advised on the machine. They issued me a temporary reimbursement the same day. Today XX/XX/2022 Chase issued a claim reversal and the amount of {$300.00} which was reimbursed, was taken from my account again. I called Chase and they told me my claim was denied as they did not find the {$300.00} in the ATM. I find this impossible as i did insert {$300.00} and was never deposited into my account due to ATM shutting down. There must be video footage in the ATM that can show me inserting the money.
Product: Credit reporting or other personal consumer reports

It has been 10 years since my bankruptcy and I wanted to have it removed from my credit report. I was successful with XXXX as they did remove it but Experian and XXXX are playing XXXX and pretending it is not their job to update those records. They claim they go through a third party for that information but both refused to give me that third partys information. I found out online who XXXX uses and their customer service said that it really is up to the credit agencies to update what they report and not report. 

I just need some help getting this removed, I have been patient and the fact that one agency decided to remove it shows that my request has merit. 

It seems like both Experian and XXXX and just trying to make it harder for people to rebuild their credit even 10 years after a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent mulitple letters to Transunion about these accounts. The last time I spoke with a manager/supervisor who told me what the problem was and what I needed to do to fix the issue. The letters I have now are proof that these accounts are inaccurate and should not be reported on my credit report at all. XXXX XXXX was deleted from XXXX because the account was opened under someone else. 's name. XXXX XXXX has asked for me to send information regarding to the fraudaluent charges which I have no issue with but Transunion needs to delete the account before proceeding. The proof that I sent to XXXX was enough to delete so I am not sure why Transunion is requiring me to go through hoops and hurdles when it is their responsibility to make sure that a consumers report is accurate. According to the FCRA ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In refards to XXXX again according to the FCRA ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. With that being said the proof is that I have receipts, letters, emails, texts, etc that shows different amounts that I alleged owe. I am not sure how they came up with the amount they came up with but I know that it is incorrect. I owe nothing. The account should be closed with 100 % payment history in good standing. I never missed a payment and this is causing damage to my character which is a violation of the FCRA. There were no missed payments. Account was closed. Please fix proof attached. It is Transunions responsibility to make sure that everything is accurate before allowing it to be posted on a consumer 's profile. Seeing that dates and amount are listed on receipts, emails, etc please do your due diligence and fix account. XXXX ALSO NEEDS TO VALIDATE THE ACCOUNT AT THIS POINT. THESE ITEMS ARE INNACURATE, IT is a violation/ against the law to keep invalid information on a consumers report for any reason. The proof is here in the attachments. If more proof is needed, I can prove but these items are inaccurate and should not continue to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed : XXXX XXXX  XXXX  XXXX Balance Owed : {$90000.00} XXXX XXXX XXXX Balance Owed : {$32.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer credit report and I noticed an unauthorized accounts from ACIMA DIGITAL FKA SIMP account under 15 USC 1681 number 3. XXXX assumed this role without permission not only that you did not have my consent. XXXX did not respect my privacy pursuant to 15 USC 1681 a number 4. XXXX did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. XXXX also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see attached.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where a transaction settled with insufficient balances despite initially having adequate funds, I believe these practices are deceptive and unfair.
Product: Debt collection

It Is very hard to pay anything when you are laid off ( which i contacted XXXX because Eaton is very unreasonable ) I called Eaton to make arrangements after I found employment but was not contacted back at all! Its really sad how the physical does people. When i became back employed my mother fell ill so i barely was working and i had to take over her bills and my own. Unfortunately, my mothers condition isnt getting any better and have been told i need to make funeral arrangements in the near future. Life is happening and people are going through a lot in life. I wish there were more human beings that actually care about people instead of money. I would sign promissory note in order to stop the garnishment and will make payments until i can give a lump sum to complete payment. At this point i will have to try to come up with money for my mothers finally business. Its very sad tho that i have to even ask for grace at this hard time in my life my kids and my mom is all i have and now i may become homeless as well as not be able to put my mother away properly. I also have a situation where i am in the process of suing a bad mechanic on top of all this! All i want was to try and establish another settlement because how can u expect someone to pay a settlement if they lost their job and then i contacted them and they never called or answered the calls. They have been ignoring me and that is the reason i have had to go through the company that sold them the debt XXXX XXXX but now XXXX XXXX have anything to do with this anymore and Eaton Group had yet to contact me or anything even after i called left messages and all! This company has done this to so many people and its sad! Im struggling financial mentally spiritually and physically! Its sad how this company doesnt care! And also unfair how this company sued sure the pandemic. I had a XXXX  XXXX  then and of course they didnt care about that either. Some one has stolen my credit card info several times, the bad mechanic has all my money that i was suppose to use to pay the debt i got laid off got a new job and now they are garnishing with no word no letter in the mail or any other communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author if this complaint and while checking my credit report today I found some fraudulent, inaccurate and incomplete information. Please conduct a reasonable investigation ( 15 USC 1681a ) and DELETE these accounts from my credit report 1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX ( Original Creditor : XXXX XXXX ) 5. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) 7. ( Original Creditor : XXXX XXXX ) 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX Late Payments ; ( update to 100 % paid on time ) 1. XXXX 2. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX balance {$0.00}.