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

I was notified by XXXX XXXX XXXX XXXX that there was a credit inquiry on my credit report from Credit Acceptance XXXX in XXXX, Michigan. The applicant submitted the application at XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX. The persons name is XXXX XXXX and they were pre-approved for an auto loan in my name. I dont know this person. I dont live in XXXX any more I have live in XXXX XXXXXXXX XXXX XXXX for nearly 2 years now. This is absolute fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian credit about closed credit accounts from account resolution services in  XXXX / XXXX / XXXX . The company continues to use deceptive practices in order to collect a debts in the amounts of  XXXX  account number  XXXX  which was closed since  XXXX , account  XXXX  amount  XXXX  closed account report dated  XXXX , account  XXXX  account closed  XXXX  amount  XXXX , Account  XXXX  Date  XXXX  amount  XXXX , Account  XXXX  Amount  XXXX   XXXX / XXXX / XXXX .     The accounts all report as closed due to the fact that there was  XXXX  insurance policies to pay the bills from the  XXXX  hospital due to the accidents which was not my fault due to the point i was the passenger in both vehicle crashes. This Derogatory information should Be deleted from my credit report.     The medical billing errors was caused by the hospital for not appropriate billing all three insurance policies. The medical billing errors have been addressed by congress in order to make all credit reporting agencies comply with federal laws of of debt collections due to medical billing errors caused by hospital thus making victims of innocent consumers who was not at fault or liable for vehicle crashes or accidents. The medical information on my account is slander by experian which is harming my financial future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is showing as a inquiry on my credit report. which someone tried to get a card in my name.
Product: Credit card or prepaid card

I have a credit card with Citi Financial and I make my payments on time and in full. The entire time I have had my card my minimum payments have continued to rise and my interest charged has risen as well. I have complained to them but there was no help and they were very rude. If I make my payments on time my payments I should not be penalized with higher payments and since my balance has gone down I should not be charged more interest.
Product: Mortgage

XXXX XXXX, and XXXX XXXX, homeowners, with assistance of the XXXX XXXX XXXX XXXX 's XXXX XXXX, is herein filing complaint against PHH Mortgage Services, our first ( Loan # XXXX ), and second ( Loan # XXXX ) home mortgages lender/representative ( s ). Since XXXX 2014 PHH, its employees, agents, representatives, and/or consigns, on its behalf, is negligent in its conduct and is engaged in a practice of serial omissions and repeated failures, to subvert fair and equitable services rendered in response to a hardship affidavit, submitted for relief through the HAMP, Forbearance or HELOC Refinance Programs. We, along with XXXX XXXX, are complaining PHH is engaging in unfair practices, resulting in preventable injury, financial and personal disparagement ; and PHH is also in violation of the federal programs ' fair standards and practices guidelines, and rules of conduct, by engaging in deliberate acts of harassment, causing undue emotional distress. 

We claim PHH engaged in unfair practices by failing to appreciate or attempting to foresee injurious or harmful events, when informed by us through repeated formal application ( s ) declaring our financial condition, and took no action to mitigate or prevent injury by their refusal and/or negligence in employment of relief available through HAMP or HELOC Refinance Program ( s ) available. Furthermore, we assert PHH omitted application of an accurate Debt Ratio assessment to derive a realistic Modification Trial Plan to mitigate potential loss, against more equitable modifications available, is a denial of due process. PHH 's actions in production of XXXX separate modification offerings are inconsistent with the express federal guideline principles and practices, to facilitate equitable outcomes, and thereby represent a violation. 

We claim PHH is negligent in their assessment of our ability to comply with the terms of progressively unfavorable Modification Trial Plans offered, on XXXX ( XXXX ) separate occasions, along with intent to engender disparagement and emotional distress by consistently employing despicable tactics of delay and harassment : repeatedly phoning our personal contact numbers, remaining silent and unresponsive despite repeated requests for response, then terminating call ( s ) without answer ; and PHH endlessly requests submission of the same documentation we repeatedly send, claim they were not received, or they do not possess them. Then, upon acknowledging receipt of documentation requested, they ignore the content in creating modification trial plans providing no realistic possibility of relief from inevitable foreclosure by the offers.
Product: Credit reporting or other personal consumer reports

I do not owe debt that's reporting to the credit bureau. I have no knowledge of this debt. 



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 {$1800.00} 15 U.S.C. 1681s-2 ( b ) The furnisher must investigate. if the investigation finds the information is inaccurate, it must be corrected or removed. Refrain from furnishing information they know is false. 

15 U.S.C. 1681i Remove any unverifiable or inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because XXXX claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting XXXX by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank XXXX XXXX, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with XXXX XXXX Bank did any XXXX or employee notify me that your bank created money by a journal entry XXXX out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks transactions relating to me lacked XXXX necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States XXXX, XXXX XXXX, XXXX XXXX, Paragraph XXXX confers upon a bank the power to lend its money, not its credit. In XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX S.E. XXXX XXXX XXXX ), the court stated : XXXX T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX Bank XXXX XXXX, XXXX S.C. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. XXXX also XXXX Bank XXXX XXXX v XXXX, XXXX F XXXX ; XXXX Lns XXXX XXXX XXXX ). 
XXXX XXXX did not notify me that it created money by journal entry XXXX out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 

This account with XXXX XXXX was created under fraudulent terms and violates United States XXXX, Title XXXX, Section XXXX, Paragraph XXXX. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.
Product: Debt collection

A very long story short, two checks that were cashed, one two days before said date and one 32 days before said date. 

FROM THE INTERNET Is it illegal to cash a postdated check early? 
A person or a merchant can't cash a post-dated cheque before a certain date. 

Apparently, I have a case to stand on an I want them prosecuted to the full extent of the law. 

In the beginning, I was given unnecessary tests by my Medial Doctor. I contact XXXX XXXX XXXX, of XXXX XXXX XXXX and complained. XXXX XXXX was helpful and reduced my cost to {$76.00}. 

Being a XXXX XXXX on a limited budget/retirement, I sent the RMP collection agency two checks, enclosed because they threatened to violate my Credit Scores. ( Enclosed ) Both checks were cashed predated, a violation of the law. 

I request the following : 1. That this company do a nation wide drug test to prove that none of their employees are on illegal drugs. ( How can you not see, 2 checks, 2 different dates, same amounts? ) 2. That any employees on legal, mind altering drugs should not handle money.

3. That this company, RMP be fined the maximum amount for violation of the law.

4. Because of the hardship I have encountered, all {$76.00} should be returned back to me, with a statement, Paid in Full. Thank You, XXXX XXXX. 

I request an internal investigation into XXXX XXXX XXXX, XXXX XXXX, AR and RMP collection agency in XXXX, OH for illegal payment practices. 

Respectfully Submitted, A XXXX, out Enclosed : Bank Statement showing XX/XX/21, Checks XXXX & XXXX, {$38.00} both checks ; were cashed before due dates, XXXX and XXXX. A complete volition of the law. Please help me!!!
Product: Credit card

The APR on the account prior to the Federal Reserve interest rate decrease was 29.99 % and when the most recent statement cycled on XX/XX/year> the APR on that statement reflected 29.74 % which is only a quarter percentage instead of the actual half percentage so the statement should be refecting 29.49 %
Product: Checking or savings account

I have made MANY transfers between nearly a dozen of banks and the receiving bank always shows a " pending '' of funds until the transfer is complete. For some reason, Fifth Third does not do this and the funds simply disappear for many days, in my case it's been XXXX business days and the funds do not show up in the Fifth Third database ( supposedly ). I don't know if someone has coded this into the software to collect {>= $1,000,000} 's in hidden assets ( and especially interest ) or if their system in just antiquated. Either way, missing money, I would think would be a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a consumer statement included in my credit report that I believe should have been removed years ago. Transunion added a comment beneath the statement saying that " this statement has no expiration date. '' The statement is in reference to an entry that has previously been removed by Transunion in XXXX of XXXX ... removed over 3 years ago, as the result of a complaint filed with the Consumer Financial Protection Bureau. I believe that once an entry has been removed, that all information or statements related to the entry should also be removed at the same time. 
Note : I wrote a letter to Transunion trying to get this issue resolved on XX/XX/XXXX and on XX/XX/XXXX, Transunion responded by sending me a response where they denied my request to remove the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and XXXX i these off my credit old accounts and I have disputed over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information on my credit report
Product: Debt collection

i am writing to file a formal complaint against a third-party debt collector lvnv funding llc who has violated multiple federal laws in their attempts to collect a debt that I do not owe. This matter has been ongoing for over two years, and despite my efforts to dispute the debt, the collector continues to engage in illegal practices, which has caused significant harm to my credit scores.

Details of the Violations : Debt Not Owed : The collector is attempting to collect a debt that I have disputed and have no obligation to pay. I have provided all necessary documentation to dispute this debt multiple times, but they continue to report the debt to all three credit bureaus.

Damage to Credit Reports : Due to the improper collection practices, my credit scores across all three major bureaus have been negatively impacted. These actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal regulations. 
Failure to Cease Collection Efforts : Despite my written disputes and requests for verification of the debt, the collector has failed to provide adequate validation as required by law and continues their attempts to collect this debt unlawfully.

Request for Action : Given that this issue has been ongoing for over two years without resolution and the collector 's failure to abide by federal laws, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold the third-party debt collector accountable. I also request that the damages be assessed, and appropriate penalties of {$1000.00} per violation be applied for the unlawful collection attempts and the impact on my credit. 

Please inform me of any additional information or documentation required to assist with your investigation. 

I look forward to your prompt response and the necessary steps being taken to address this issue. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I received an alert from credit wise that my credit score went down approximately 60 points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, XXXX had reported this month that I had double the student loan accounts than I do to XXXX ( I have 7 XXXX student loans, they are reporting I have 14 and double the student debt. ) XXXX reported to Equifax that all 7 of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to XXXX, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.
Product: Mortgage

I have been current on my 1st mortgage for years. However, my 2nd mortgage, which was initially included in a bankruptcy in XXXX, resurfaced demanding payment. I questioned the lender to no resolve. Eventually it was charged-off and sold to a debt collection agency. They tacked on additional fee 's almost doubling the original {$12000.00} debt. Again, questions and back & forth but no resolve, so the new higher amount was charged-off and sold once again. This new debt grew again, and I questioned and disagreed, so once again it was charged-off and sold yet again. But little did I know, it was also listed as a " Short-sale - with multiple late 's '' on the XXXX Originator database, then charged-off and sold. Finally after this last sale, the debt had reached almost 3 times the original amount. I was finally able to negotiate and the debt to have it settled for less than the original amount paying the final agreed upon amount officially closing out the debt. Now, I discover, that XXXX of the debtors, listed the debt as a " Short-sale Mortgage '' in XXXX XXXX ; only after I had made an offer on a property and in Escrow. This never showed up on any of my credit reports. ( This was extremely disheartening to XXXX, after months of house hunting ). My Realtor informed me that I would have to wait " 2 years '' to be able to purchase a property, and I had to withdraw my offer and cancel the escrow. This feels like unfair practice and deceptive bargaining. I am only requesting that this " Short-sale with multiple late 's! '' be removed from my Escrow investigation XXXX XXXX XXXX XXXX or any other Escrow tool now, rather than me wait for 2 years being penalized for this method of doing business.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXX, XXXX, XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via Transunion, XXXX and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Product: Debt collection

every year i have to dispute the same debts on my credit report i send in the proof they will take it off then i will see it back on there ihave called them have explain twice a year this happens for the same thing have sent proof paid in full this have been happening for about four years have sent papers to all credit bureaus and to the company that keep doing this the companys that i owed was paid in full the company that say they bought the debts is still trying me to pay them i have not sign a contract with them lvnv funding the debts is paid in full ihave paid all the debts that i sign contract with not them i dont have a sign contract or any papers that i owe them it making my credit bad because of this
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy in XXXX of 2024. I have an auto loan with XXXX XXXX that was reaffirmed in the process. My bankruptcy was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with XXXX XXXX they deleted, not charge off or listed as resolved in the bankruptcy, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called XXXX XXXX and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the bankruptcy. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on earth. I never paid my loan late even before the bankruptcy. I was always current. I still am current. I only discharged credit card debt after a divorce. The car was never in danger of being late.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

I am writing to report fraudulent accounts on my credit report validated through XXXX. The banks, accountable for fixing this identity theft issue, must promptly rectify the inaccuracies on my credit report. The banks, acknowledging a system error, committed to removing these entries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two data breaches with experian and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fcc, doj, XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as I have been XXXX over the internet over and over.