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

On XX/XX/XXXX I started receiving text messages stating that my account was due for amount of from concora credit. I called the XXXX inquiry about the message and provided my mail address and phone number. The repersentive of XXXX stated that XXXX was no longer in business and that the company sent all account connections with XXXX furniture to them and that I had a balance of {$130.00} due on the account. I mention to the representative that I had already paid out the balance on the account in stores did not have any remaining balance left over and ask that the representative prove information of the remaining balance. I confirmed my mailing address as well as email and the representative stated that they would provide the information months past no mail of phone calls only text message stating a balance due. I contact the company again requesting the information as well as dispute with XXXX. No documents were provide and received I submitted another dispute with experinan XX/XX/XXXX awaiting response as well as contact the company requesting the documents.
Product: Debt collection

In 2019 is the year I was charged {$2000.00}, on my Capital One Credit Card Which is false If anything at least it should be XXXX there was fraud on my account. I have called in more then 3 times each time no one could help me they said I owed and have to pay it back.
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX are reporting information that I did not authorize them to on my consumer report Please remove these items in 4 business days
Product: Debt collection

i found an unknown credit card in my credit report on XX/XX/XXXX company : US bank national association d/b/a elan financial service amount XXXX XXXX usd and i call the bank and would like to dispute the charge and they told me they will look into it but on XX/XX/XXXX i got a mail from them and they told me that i owe XXXX usd which from the credit card i never apply the unknown credit card had several unpaid balance on XX/XX/XXXX and XX/XX/XXXX in california but i do not live in XXXX since XXXX
Product: Checking or savings account

XX/XX/scrub>XXXX  {$660.00} I have called and spoke with multiple representatives and supervisors. They are refusing to give me my money. They are also claiming that they do not see it. I have proof from my employer that my deposit was made to the right account. They are just trying to force me to make a claim that it is missing and refusing to provide documentation of the issue they claim to be experiencing. There has not been any reports of delays made for deposits ; however, they have done this to others before.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is blatant credit discrimination, harassment, XXXX discrimination, and retaliation against myself as a human being. Totally against public policy. I want XXXX XXXX XXXX to correct my credit report ASAP. A bank can not do any of what they are doing to me as a human being. It is against many federal and state laws and they are getting away with it. 

Please take a look at the reports? 
The various reports are getting worse and worse. 
COMPARE THE ACCOUNT BALANCES AT ON THE PAGES. LOOK AT THE DISCREPANCIES. THE RECENT BALANCE IS {$150000.00} AS OF XX/XX/XXXX. THE RECENT BALANCE AS OF XX/XX/XXXX IS {$170000.00}. SOMETHING IS WRONG. MY ACCOUNT NEEDS TO BE AUDITED. 


XXXX XXXXXXXX XXXX has me in court and also working out a Deferment Plan with me at the same time. The underwriters have the documents. The contact name with XXXX XXXXXXXX XXXX is XXXX. I am the guardian of a child with a XXXX XXXX  I am not trying to stop the foreclosure by making these requests these are factual requests that can be supported by documents. 

I should have never been in court. XXXX XXXXXXXX XXXX did not follow the government 's instructions or recommendations to roll the late payments back into the loan. I would not be in foreclosure if they would have done what the government requested. Now XXXX is working on the case to get the mortgage up to date and I am still in court. 

I have a small business XXXX XXXX XXXX XXXX. I am almost out of business completely. I am unable to obtain inventory because of the Status of Foreclosure Proceedings started {$43000.00} past due is appearing on my credit. This should not be on my credit report at all. 

I CAN NOT WORK. I HAVE A CHILD THAT HAS A XXXX XXXX. I HAVE BEEN WAITING FOR A YEAR TO GET PAID/OBTAIN BENEFITS FROM THE STATE OF ILLINOIS TO ASSIST ME WITH THE CHILD SO I CAN WORK OR BECOME HER CAREGIVER. 

I am not supposed to be in court and mitigation at the same time. XXXX XXXXXXXX XXXX  is not doing this to all of its customers. I am sure of this. Why can't anyone help me to get this all straightened out? BLATANT DISCRIMINATION, HARASSMENT, CREDIT DISCRIMINATION, AND XXXX DISCRIMINATION EXIST. 


I WAS NOT LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, Nor XX/XX/XXXX. Stay-at-home restrictions went into effect in XX/XX/XXXX. I WAS ON A FORBEARANCE. IF THE BANK RELEASES THE DOCUMENTS IT WILL SHOW I WAS ON A FORBEARANCE. THE FORBEARANCE RAN RIGHT INTO THE STAY-AT-HOME RESTRICTION ORDERED BY THE GOVERNMENT. 

NOTICE ON THE CREDIT REPORT FOR XXXX THAT IT READS OKAY THEN LATER CHANGES TO ND WHEN I SHOWED UP TO COURT TO FIGHT THE FORECLOSURE. NOW WE ARE UP TO XX/XX/XXXX AND XXXX XXXX XXXX HAS FILED FOR FORECLOSURE WHILE ALSO MITIGATING WITH ME. ONE MONTH AFTER THE DECLARED NATURAL DISASTER WAS OVER THEY TRY TO TAKE MY HOME FROM ME. 

THE BANK WILL NOT PROVIDE THE DOCUMENTS FOR THE FORBEARANCE. I HAVE DOCUMENTS AND LETTERS AND TELEPHONE CONVERSATIONS TO SUPPORT MY CLAIM. I HAVE REQUESTED THE DOCUMENTS MULTIPLE TIMES. I AM NOT GETTING THEM.
Product: Vehicle loan or lease

PNC is the company I am having a dispute with. I sent in a form to change my payment date. They did not process the payment date change in time. I went online and paid my bill last month, for some reason the payment was reversed even though funds were available in the account selected and the only reason I set up online bill pay was because I would be charged if I continued to pay over the phone. I was contacted by the company saying i was 37 days past dude 10 days of my payment was reversed and I was not aware of the reversal. I made a payment on the phone today with the rep and asked to have the late charges removed and the info removed from my credit report to avoid it lowering my credit score since I attempted to pay, they said they can not help me even though she apologized on behalf of PNC for the inconvenience regarding the payment date change, payment reversal, and incorrect processing of the payment due date change.
Product: Debt collection

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. on XX/XX/XXXX and XX/XX/XXXX a debt validation letter was sent This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, In XXXX through XX/XX/XXXX Select Portfolio Servicing ( SPS ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

SPS then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
SPS Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for SPS 's XXXX Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from XXXX that indicated SPS Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, SPS has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, SPS has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect SPS listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my SPS Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have PMI and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that SPS is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are SPS 's error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of SPS not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by SPS. 

Additionally, I have made several complaints with the CFPB against SPS in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by SPS. 

Thank you for your help. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Initially, I had a {$10000.00} credit line, which Juniper/Barclays kept raising due to my excellent credit history. At the time, my credit score was much lower. In the past 18 months, my credit score has gone up to over XXXX, and was XXXX, and yet, Juniper ( barclay ) Credit card has lowered my credit limit from {$10000.00} to {$8400.00}, and now it stands at {$4400.00}. I mean, I have not been late and have an excellent payment history with them and all other creditors on file in with the credit bureau. 
First, they had mentioned something about me having outstanding loans. Well, I paid the personal loan off a little earlier and my car will be paid off in 15 months. Despite this, they see fit to keep reducing my credit line. 
Personally, I feel it is discrimination. I had talked with them about a year ago, or so when they reduced my credit line to {$8400.00} ( from {$10000.00} ). I spoke with a XXXX  lady on the phone who was very rude and mean at the time. 
Reducing someone 's credit line, which puts them close to their limit is derogatory and goes against my credit score. So far they have reduced it by - {$5600.00}, I do not feel this is ethical, but discriminatory. Thanks for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX  Date : XX/XX/year> To : Human Trafficking Victims XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Immediate Blocking and Deletion of Accounts under FCRA Section 605C Dear Sir/Madam, I am writing to formally request the blocking and deletion of certain accounts on my credit report due to my status as a victim of XXXX XXXX, specifically debt bondage. As a result of this exploitation, several fraudulent accounts were opened in my name without my consent. I have attached a Trafficking Victim Determination Letter, an FTC Identity Theft Report, and my proper identification to substantiate my claims. 

In accordance with th

e Consumer Financial Protection Bureaus guidance and the Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) of the Trafficking-Debt regulations, these accounts must be blocked and deleted within four business days as stipulated by section 605C of the Fair Credit Reporting Act ( FCRA ). Please delete the following accoun
ts from my credit report immediately : XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXXl Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX These accounts were fraudulently established and are a direct result of my victimization. I trust that you will process this request promptly and in full compliance with the law to mitigate the damage to my credit history caused by these illegal activities. 

Please confirm in writing once these accounts have been removed from my credit report. I appreciate your prompt attention to this urgent matter and your cooperation in helping me reclaim my financial identity. 

Sincerely, XXXX XXXX
Product: Debt collection

On or around XXXX/2015 received call from this company ERC stating I owed XXXX on a XXXX XXXX cable bill. I thought company sounded suspicious so I told them that I would not pay over the phone with them but I would call XXXX XXXX and pay them.
I was later told by rep. for ERC that I should have paid ERC. and so now it reflex derogatory mark on my report and score which I 'm trying to repair. Can you help get this mark of report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND XXXX  XXXX are being reported late ( 2 months behind ), XXXX CLAIMED IT WAS VERIFIED, but failed to disclose physical proof of the verification, which is why im infuriated because the accounts are either up to date and current no missed payments and one is paid off, reflects no balance which iv included the screen shots from the actual accounts from my affirm client portal, thats how i know XXXX DID NOT VERIFY THESE ACCOUNTS AND IS AT LEAST responsble under FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX  XXXX {$13000.00} Date Open : XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX  decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as synchrony bank adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Bankruptcy Dismissed XXXX Filed/Reported XX/XX/XXXX Reference # XXXX XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Employer - XXXX XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!