23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates are calling me repeatedly, threatening to take legal action against debts that are over 6 years old. They call me everyday, they will not provide accurate details on the original creditor associated with the accounts, they continue to report them to the credit bureaus as delinquent but will not provide me with any information about them. The age of the original debt is on my credit report and is over 6 years old as per what Portfolio Recovery Associates is reporting. It is really damaging my credit, I have other revolving accounts that are paid on time and have small balances if any at all yet what this company is doing is making it hard for my credit score to go up. They are reporting to XXXX that they are not a collection agency and on my credit report it looks like I have open accounts that are not being paid, even though they are listed as closed on XXXX, which makes them impossible to dispute. They are harassing and bullying me everyday, all day long, destroying my credit, I can not dispute the transactions on my credit report, they said they can sue me for the full balance or I can pay them in full, otherwise, they will continue to report me as delinquent. I do not know how this is legal to do. especially when the account shows that its over XXXX XXXX XXXX.
Product: Mortgage

This loan was incorrectly reported as past due in XXXX 2014. Attached are my PHH Mortgage account statements dated XXXX/XXXX/2014 and XXXX/XXXX/2014. The XXXX/XXXX/14 statement shows that the account had been brought current prior to that date, including all payments, late charges and any other fees, with nothing owed until XXXX/XXXX/2014. The XXXX/XXXX/2014 statement shows that the XXXX 2014 payment had already been paid and that on XXXX, no payment was due until XXXX/XXXX/2014. Yet this account still appears as past due 120 days on XXXX/XXXX/2014 on my credit report. Based on the attached information, please correct my credit report to reflect my true credit history. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE XXXX, EQUIFAX, AND XXXX  HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX  XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Oportun have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions
Product: Credit card

On Sunday XX/XX/year> I applied for a Wellsfargo credit card. They denied me. It is unlawful to do so per 15 subdivision 1611. My unlimited credit. False and misleading denial of my own credit. I am asking the underwriters to list all factors involved in this consumer transaction not not credit transaction.

15 usc ( United States Code ) 1692 furnishing certain deceptive forms.

You asked me for my social security number as well. 42 usc code 408 says clearly asking for a social security number on any credit loan transaction is a crime because we have no lawful money. You ask me for my social security number to protect my identity is a ly. This is to get access to my trust as a authorized agent. 


Any person or corporation who is doing these unlawful activities be prosecuted to the full extent of the law.
Product: Student loan

My student loan company, Navient, recently changed the terms of my agreement to extend my loans to XXXX with about {$7000.00} more in interest charges. This was done without my consent and I believe it is because I have been paying the loans down early and thus reducing the amount of interest they were earning off of me. I have been paying the standard payment of {$250.00} a month since XXXX, plus any extra I can afford. Because of this, I had reduced my principle so that I only have XXXX years of repayments left as of XXXX, XXXX. According to my calculations, during this time I would have paid approximately {$2700.00} in interest. I received a letter on XXXX/XXXX/XXXX stating that the terms of my loan had changed and my new monthly payment will be {$130.00}, which will be paid off on XXXX/XXXX/XXXX with a total of {$9500.00} of interest.
Product: Mortgage

I have 2 loans with one main and they sold up products which do not work when trying to use them. A refund would be a good start toward making amends.
Product: Student loan

on XX/XX/XXXX, I was made aware that my student loan had incorrectly been sent to collections. Not only that, but my student loans repayment plan had incorrectly kicked in ( while I was still in school, full time ). The only reason I found out was because I graduated on XX/XX/XXXX and I wanted to inquire about my repayment, since I was sure this would be coming soon. 

Shortly after I was informed that my loan had been sent to collections, I also learned that my credit score, along with my co-signer 's had been negatively impacted. Thinking this is unacceptable, I attempted to fix this by calling College Ave. During my first call, the clerk said " I hope we can take your account out of collections, since you being in school is definitely grounds for not having to start repayment ''. She gave me the email address to send all my documentation. I sent this the same day. Proof of enrollment all through XXXX, and then my graduation date. 

I called again today, and XXXX XXXX said there's nothing they could do for me. That the account was now on track to collections, and that this is now my issue to solve. Well, I think it very well is College Ave 's responsibility to ensure my account is taken out of collections, and that a proper repayment plan is instituted. At this point, due to the damages this caused to both my and my co-signer 's credit, I'm also asking for some sort of compensation. 

I let XXXX know that if I don't hear back from her supervisor by XXXX XX/XX/XXXX, I will be contacting my attorney, and pursuing legal action. It's just unbelievable that a company this size does not have the decency to correct a wrong quickly and effectively. 

Extremely disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Lease trader which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit card or prepaid card

On XX/XX/2022 I attempted to request a larger spending limit with JP Morgan Chase. Spoke with a representative and provided required information. I was then told I would not be award a spending increase at this time and that a letter would be sent to my home within 10 days regarding my credit inquiry. I waited 30+ days for my reasoning for credit denial for a larger spending limit and have yet to receive it. 

XXXX and XXXX reports were pulled and my credit score dropped XXXX points on XX/XX/2022 ( According to Chase XXXX XXXX ). On XX/XX/2022 my credit score jumped XXXX points according to Chase 's XXXX XXXX XXXX with a XXXX Score of XXXX.
Product: Credit reporting or other personal consumer reports

I have written 4 letters certified to remove inquiries and still some exist 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: Checking or savings account

I want to formally issue a complaint about a change that America First Credit Union ( XXXX ) is making that will financially impact all of it's XXXX Checking Account members. They announced on XX/XX/2021 that they will be AUTOMATICALLY rolling EVERY checking account over to their Premium Checking account service, which comes at a {$6.00} a month fee if you do not meet their requirements to waive the fee. Some of the minimum requirements will require the account to maintain a {$1500.00} balance, have at least {$500.00} automatically deposited into the account monthly and have more than 20 transactions with their credit or debit card to waive the $ XXXX  monthly fee.

I understand that any member can call and have your Checking account moved back over to the free Checking Account, and they are also waiving the {$6.00} fee for the first 60 days, but it is NOT clear when they will roll people over, and my main concern is for ALL of the Elderly members and low income members that may NOT have access to media and will be unfairly rolled into these accounts and lose money. 
Beyond the fact that so many people will not be able to maintain these new premium standards to avoid the {$6.00} fee, members like myself that hold multiple accounts with them will now need to waste their valuable time calling into their call centers, which I'm sure will have extremely long wait times, just to make a change that should have been an OPTION not an automatic roll over. 
XXXX members should not be forced into paying a fee if they didn't get notified properly! We live in a world of spam email, and I am sure this type of notification will be easily lost by most members ( if that's even how they will notify people ). 
I was notified by XXXX  and then went over to XXXX to read more. As of this complaint I have not been notified at all by them!
Product: Credit reporting

I applied for a XXXX XXXX XXXX credit card from XXXX on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before they could look at my credit report. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I needed to make sure my phone number was on file with Equifax for some reason. So I did. 
I 'm not sure how, but XXXX was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. I believe that Equifax provided XXXX with my credit history when they should not have. 

I completed the verification on XXXX/XXXX/2015. XXXX was able to place a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that XXXX of the inquiries be removed. The agent was adamant that XXXX would not remove the second credit inquiry from my credit report because it was " Not done in error '' While I did authorize XXXX bank to run my credit report ONCE, they were somehow able to pull my credit information from Equifax prior to my authorization and then again a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application. Equifax should not be allowed to provide any information to any prospective creditor when a fraud block is placed on my SSN.
Product: Credit card or prepaid card

I just received notice that Citi Costco card decreased my credit limit, reason being that my other balances on cards are to high and also indicated I had a late in 12 months. This is not accurate, I have not a a late with any cards in the last 12 months, I always pay my bills and have been working on paying down my credit cards. I am not a liability as I always have made payments to my accounts and even larger lumps sums at times. Times have been harder and therefore credit cards have been used, but I should not be penalized for that as I continue to always make payments. I request my credit limit be increased back to the original limit amount. Decreasing my credit limit is only going to hurt me further and this is contradicting as Citibank/Costco is decreasing my available credit to my balance which will again make my debit ratio percentage high. Please reconsider reversing this decision as I have been a loyal Citibank customer and this is not right.
Product: Credit reporting or other personal consumer reports

To whom this may concern, My identity has been compromised maybe by someone close to me or even over the dark web. I am attaching 4 fraudulent accounts to CFPB with and attached FTC report. Please delete block accounts listed in accordance to FCRA 605B
Product: Debt collection

A certified letter was sent to Aargon Collection agency regarding a debt to XXXX hospital. In this letter, there was a request for a form that authorized XXXX to release my private information to them along with a statement to validate the charges.XXXX released my private medical information detailing services that were provided without my authorization that is a clear HIPAA violation. HIPAA privacy laws. I never authorized my information to be released to any third party company. There is no signature or anything on any documentation that has been provided. The collection agency directly violated my PHI- under HIPAA law.
Product: Credit reporting or other personal consumer reports

All motor vehicle corporations and incorporated any leasing or loans under my name XXXX XXXX under social security number XXXX XXXX XXXX XXXX was due to fraud and scamming and I don't own any vehicle. 

You XXXX reach me directly at XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a property tax loan. I learned in XXXX 2017 the loan was cancelled in XXXX 2017 without my knowledge. The first payment was due XXXX XXXX, 2017. I inquired as to why this account was not available for me to view via email. In XXXX, I called and was advised they do n't know why it was cancelled or why I was not notified. All they could do was to take a message. I was told my complaint would be forwarded to XXXX XXXX at the company. XXXX XXXX XXXX ( primary mortgage company ) is not allowing me to make any kind of online payments - I have attached a screen of what I see when I attempt to make a payment. I know from past experience, they will say it is because my account is not current. However, how can it be current when they added over {$3100.00} in escrow charges that are due? These companies are working together to ensure my house is foreclosed upon so they can profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : 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 I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union ( NFCU ) regarding the closure of my business checking account. I believe that NFCUs decision was based on inaccurate information regarding the standing of my personal accounts. 

NFCU communicated that my business account was closed because my personal accounts had not been in good standing for over 120 days. However, I would like to clarify that my personal accounts are consistently restored to good standing within 45 days at the latest. If my personal accounts had truly been in jeopardy for over 120 days, NFCUs actions would have already extended to those accounts, which has never occurred. 

Based on these facts, I contend that the rationale provided by NFCU for closing my business checking account is flawed. I respectfully request that the CFPB review this matter and assist in facilitating the reopening of my business checking account, as I have maintained proper account management practices throughout my banking relationship. 

I appreciate your attention to this matter. Please let me know if any additional documentation or information is required to support my complaint.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company is XXXX XXXX XXXX XXXX in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : PayPal , Inc . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.
Product: Credit card

Was walking to my gate in XXXX XXXX when was approached by a sales rep for Delta Amex cards. He asked if I already had a card said yes ( Gold card ) and he proceeded to try to upgrade me to the Platinum card. I waffled because I told him I had literally just paid my annual fee on the Gold card and one of his selling points was that the fee for the first year for the Platinum card was going to be only {$95.00} and then {$190.00} annually after that. Just received my first bill and lo and behold not only was my card not upgraded it was an entirely new account and I was charged {$190.00} for my annual fee. I have called the company on XX/XX/XXXX and today XX/XX/XXXX. I filed a complaint with Amex on XX/XX/XXXX about the false advertising and for my troubles was told they would issue me a {$40.00} credit which would post to my account within 48 hours. I checked today and the {$40.00} has not posted and is not pending so I called Amex again, spent another hour on the phone just to be told they need to investigate the first complaint because they are not showing I was to receive {$40.00} credit. My complaint is obvious false and deceptive advertising on the part of Delta Amex. Not only was I immediately charged the {$190.00} when I was told it would be {$95.00}, I have not been credited back my pro-rated portion on my Gold card fee ( cancelled that card back in XX/XX/XXXX ) and was told I would not receive my Companion Ticket which is supposed to be issued upon invoice on the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, Equifax and XXXX  removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Creditor : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 2. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 4. Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT 5. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX PLEASE DELETED FROM CREDIT REPORT PLEASE SEE ALL ATTACHMENT DOCUMENTS BELOW!