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

Car financial has been harassing me, causing mental and physical problems since they stole my information and claimed they own my car I bought through XXXX XXXX. They are hurting me financially and want more money for a vehicle that is already paid off. All documents have been submitted and NO ONE is listening. There are over XXXX complaints on them for this exact thing. They never held my title to my car. I have provide all documents and they repeat the same documents that have been provide by ME!!! They have not provide any contacts between them and I with their letter head and my signature.
Product: Vehicle loan or lease

I paid my car off XX/XX/2021 I paid the principal balance to XXXX I close on a house in XX/XX/2021 and the principal balance had to be at a XXXX for FHA to even approve and find the loan JP Morgan Chase auto finance because they lied and said they would negotiate the late fees and did not want to do it at the end I was waiting until they were ready to negotiate the fees as they originally stated. 
In the month of XXXX all of a sudden it showed on my XXXX over {$110.00} principal balance which I had already paid off I called to find out why they said this is a maturity fee one time fee I paid it and that shouldve been the end of it but no due to the fact that they wanted to close out my account but not negotiate the late fees it reappeared in XXXX which I once again repaid it they cancel my payments two times and then lied and said they didnt do it just to have a reason to try to charge the account off for {$110.00} this is fraudulent when Ive done everything Im supposed to do I have my payment history I have a paid in full letter for the principal balance So the fact that they were doing fraudulent activity to try to close that account is unacceptable Im on my credit report fixed and I want something to be done about this company and the way that they handle their business
Product: Credit card

was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.
Product: Credit card

Its already 2 years since I opened my bank of america credit card account and the inquiry doesnt disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Product: Mortgage

We are behind on payments due to forbearance period, we want to pay it over long term, mortgage company give us one option to pay back {$39000.00} over 6 month period plus regular mortgage monthly which comes to about XXXX a month which is unreasonable and cruel to us. We would like to make our regular monthly plus a reasonable amount over long period.
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from or authorize any of the following Account : XXXX XXXX XXXX XXXX : Account # : XXXX - Amount : {$1600.00} 15 U.S. Code 1681s2 Says you " XXXX XXXX XXXX XXXX '' are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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.

You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Credit card or prepaid card

I purchased 4 utility vest from XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. The order arrived in the middle of XX/XX/2020. I called customer service on the date the items were received and reported that it was my first time ordering from them and that every item I received was damaged or used. The customer service told me to return the items and use the return label provided in the packaging. I informed the customer service person that there is a fee for returns and that my order was damaged before I received it and she said that she would credit the full amount of the purchase but I must return all of the items. I returned them on the day I spoke with customer service. XXXX XXXX received the return on XX/XX/2020 and the return was processed on XX/XX/2020. I checked my credit card account and all of the funds were refunded and that resulted in a XXXX balance on my credit card with XXXX XXXX. Shortly after that my account was closed and then I started receiving a bill. I called several phone numbers provided by XXXX XXXX and the credit card stating that my account was closed. I could not log in to check anything because my credit card statement said the account was closed. I have spoken with all of the people necessary to correct this and all they do is send me a bill. Now my credit report states that I owe them and I do not have a single thing from them. I never paid them anything because the products were received damaged or defective. I received a call today/XX/XX/2020 from an unknown number and it was XXXX XXXX Comenity asking for payment. I refused and stated they need to check their records and not contact me again.
Product: Bank account or service

I opened a Citigold checking account in response to a bonus offer of XXXX XXXX XXXX miles for doing so. When calling to apply for my account on XXXX XXXX, I spoke to a Citi representative named XXXX who explicitly confirmed my eligibility for this XXXX miles offer. On XXXX XXXX around XXXX, I spoke to a New Account Services Supervisor named XXXX because I was upset about changes in the methods available to me for funding this new account. XXXX convinced to continue with opening this Citi account and provide Citi my funds and business by confirming that I was eligible for this offer and would be receiving the XXXX XXXX bonus miles upon completion of certain bill pay criteria. In XXXX, upon completing the account requirements described in the initial offer and confirmed by XXXX, I sent a message to Citi through their online banking site to confirm I had completed the requirements for this offer and asking when I should expect to receive my miles. A Citi representative responded by confirming I had completed the steps and I should expect to receive the bonus after several statement cycles. In the meantime, a {$30.00} account monthly maintenance fee started being charged to my account. After several cycles, I contacted Citi about the delay in receiving my miles bonus. The eventual reply was I would not be receiving the bonus because I was not actually eligible. So I was informed multiple times that I was eligible for the offer in order to get my business and until Citi started receiving a significant fee from my account, only to now be informed that I am not eligible after getting my business and my money. Citi should honor the promises made by their representatives on multiple occasions and provide the XXXX XXXX signup bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my XXXX report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies ( XXXX, XXXX, Experian ) to show me the original contract in agreement to a XXXX XXXX. I wanted the original contract with my name on it yet I haven't received anything besides letters telling me the account was validated. I have attempted this 3 times over the past 6 months.
Product: Credit reporting or other personal consumer reports

My vehicle was involved in an accident on XX/XX/XXXX. On XX/XX/XXXX, my insurance company deemed it a total loss and notified the lender the same day. Although there was confusion on part of the insurance company of sending the payout check to the lender, once the check payment was received by the lender but before the GAP waiver amount was applied to my balance, the lender refused to update the balance on my credit report and charged it off. The account was charged off before the total loss claim was completed. I received a final letter from my GAP insurance company today, XX/XX/XXXX providing the final payment amount made to the lender. The charge off status reported to the bureaus has made a significant ( negative ) impact to my credit score. I attempted to log into my account ( lender ) online but it is nowhere to be found. Had the lender allowed the adequate time for the total loss process to be completed, the listing would be reported as paid. 
I also did not receive any notification from the lender indicating this would occur. There were fully aware of the total loss claim and even provided me information for the GAP waiver claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00}
Product: Mortgage

The mortgage is in my deceased Mothers trust ; XXXX XXXX Trust. I am one of 4 executors of the trust and have been living on the premises and making payments on the property since purchase. 

Out loan was sold by XXXX XXXX XXXX  to RUSHMORE LOAN MANAGEMENT SERVICES for a profit last summer ( XXXX ) and since then I have been : 1. Falsely accused of missing one whole month payment 2. Falsely charged interest and Fees 3. Subject to late Fees 4. Advised I may be subject to Foreclosure 5. Subject to increased unnecessary Stress due to not being able to contact the Mortgage Company to resolve the nightmare of their  mistake. 

I continued to make my monthly payments to XXXX XXXX XXXX until I received a new loan payment statement from RUSHMORE LOAN MANAGEMENT SERVICES and then started and continue to make my payments to RUSHMORE LOAN MANAGEMENT SERVICES Since I had not missed any payments In XX/XX/XXXX I noticed that a payment was missing on my RUSHMORE LOAN MANAGEMENT SERVICES statement. 
Since I had not missed any payments I assumed that RUSHMORE LOAN MANAGEMENT and/or XXXX  XXXX XXXX had an error in sending over my payments. 
As the XXXX statement from RUSHMORE LOAN MANAGEMENT SERVICES showed the same error that I was missing a payment. I called XXXX XXXX XXXX  and was told they had closed their mortgage dept. in XX/XX/XXXX. I dtried to find out who to contact and was sent in circles until I gave up. 

This whole scenario is very stressful for me. I am a XXXX XXXX XXXX woman with health issues .which have been amplified due to their predatory actions and now worry about being foreclosed upon. 

When I reached out to RUSHMORE LOAN MANAGEMENT SERVICES i never got to someone who could help They want me to prove that they are wrong. 
I would like a forensic accountant to go through the paperwork and find the banks error. have gone through all of my statements and found every payment made. 

RUSHMORE LOAN MANAGEMENT SERVICES has increased my payments a few times this past year whether or not interest rates have gone up or down. while they only increased once a year while with XXXX  XXXX XXXX. 

I am not the only victim in this process of selling my Mortgage from XXXX company to another for profit. I am sure there are millions of other home owners who have been victimized by XXXX XXXX XXXX or RUSHMORE LOAN MANAGEMENT SERVICES when selling their mortgages to another company for a profit. I would love to hear how they feel. 

To me it feels like another shakedown happening like the shakedown in XXXX and XXXX. 

I need the help of the CFPB to help me resolve this issue and find the missing payment, reverse the FALSE, MIS-LEADING and PREDICTORY FEES I am being charge. 

In conclusion, I am asking for a complete forensic accounting to reverse the false interest and fees I have being charged and a call from whoever is responsible for this mess as I have proof of all payments.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERICOLLECT INC for committing identity theft. I have never given AMERICOLLECT INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from AMERICOLLECT INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AMERICOLLECT INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AMERICOLLECT INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERICOLLECT INC continues its collection efforts, I will file for litigation for actual damages caused and AMERICOLLECT INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report a Credit Builder Plus loan  XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$100.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$800.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$2500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I received a call from XXXX claiming an amount own to Chase Bank, no further details on the account and caller claimed to set up a payment plan, but the info to call back give was a different phone number XXXX with no extension or caller name to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX  - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX  - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ Experian, XXXX, and XXXX XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
Product: Credit card or prepaid card

I got a email stating I was denied but when I was in the bank the banker told me I was approved for a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification on XX/XX/23 of a negative account being reported to my XXXX credit file. I spoke with XXXX XXXX at CREDIT MANAGEMENT XXXX, who stated that they sent over notification to remove the account from my file due to the original creditor pulling the account back on XX/XX/23. That still do not correct the negative impact to my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I am a victim of identity theft I found numerous accounts on my credit report that I did not open. this has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent account as soon as possible.
Product: Credit reporting or other personal consumer reports

I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my credit score and my ability to obtain credit on fair terms.

Pursuant to the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only incorrect but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any incorrect or fraudulent information on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : EXPERIAN : 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 EQUIFAX 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 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

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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.

1. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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 card or prepaid card

chase has reported several inquires on my experian credit report that is not mine