23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance in the matter of a dispute between all major bureaus and a financial Bank and lender Hancock Two payments were sent to Hancock Whitney in the month of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these two payments in XXXX, but a payment large enough to cover 2 months were also made in the month of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported 60 days late on XX/XX/XXXX after filing my initial dispute they updated the reporting to 30 days, Well this is still incorrect so I initiated another dispute with all three bureaus each time the lender has creatively updating my file but never removed or correcting the 30 days late XXXX notice it showed updated but nothing changed, XXXX noticed the 60days was changed to 30 days, XXXX was up dated added how much I paid on my loan each month because I always pay more than my amount due. A third dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX ILLEGAL in XXXX causing my XXXX score to drop further. My account and credit file clearly state for the year XXXX, I made 12 on-time payments another error. 
XXXX, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a 10-day grace period therefore I have until the 10th day of the following month to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This lender is the liar, and thief here I am the victim, the victim of credit discrimination. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a 10-day grace period therefore I have until the 10th day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.
Product: Mortgage

Freedom Mortgage is trying to get me to refinance for lower interest rate. I would get lower rates but would have to restart over on the loan losing current interest in the home i have. The value of home has doubled and i feel they want to take the equity from it. I told many representatives that both me and my wife are not interested and to stop calling my phone, stop sending postal mail correspondence and stop email me. I have blocked everything I can do, but they still manage to get through especially with phone calls. I have a log of them calling me - literally 13 times in a 2 week period including 3 times in one day. I wish I know a way to get my mortgage moved to another lender. Freedom Mortgage is awful people to deal with. The most common numbers being used to call me from XXXX and XXXX ( the XXXX # has not called back, but the XXXX # continues to call back even after I have blocked it ; somehow it gets through ).
Product: Debt collection

Last week ~XX/XX/17 I started receiving calls from an unknown number. I googled the number and it showed to be XXXX XXXX, though they never left messages nor their identification. I called the number back, twice and it said XXXX XXXX XXXX. The first time they refused to give me any information as I would not give my address as it seemed like a scam but said I owed debt. The second time I called I gave my address and he said he could not find me and that I would have to wait to receive something in the mail. I then called the number on the website instead and with just my phone number they said they were looking for a XXXX. The reason I find this so perplexing and odd is that when I called back the first and second time they repeated a name back to me that was almost like mine. I found this scary so I wanted to pursue the matter. I am unsure how they got a partial version of my name and number, but then said the debt was for someone else. I find it bizarre and concerning and want to make sure the credit I have worked hard to protect is n't going to be affected by some bogus company.
Product: Debt collection

Have repeatedly advised of payment. See attached. 
Also, pcb email comes back ; " contact us '' page inoperable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with Newrez. I have paid off most of the loan on XXXX of 2022 ( {$47000.00} ). There was {$290.00} left to pay for interest. The mortgage statement from XXXX, XXXX, XXXX and XXXX stated that {$0.00} is due. I have statements that show {$0.00} amount due. Newrez however stated that my payment was delinquent and that there was {$290.00} due on XX/XX/XXXX ( despite the amount being {$0.00} on the statements from them ). I did end up paying the above amount on XX/XX/XXXX. Since then my credit score went down by XXXX points and I have one payment that was delinquent. I have tried to reach out to Newrez and sent the images of the statements from them yet they stated that did nothing wrong.
Product: Debt collection

XXXX XXXX keeps calling me very early everyday regarding a bill that the statute has expired over ten ( 10 ) years, I currently have a credit score of over XXXX, they keep threatening me with legal action that is not valid, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Product: Debt collection

We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to Midland and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.
Product: Credit card or prepaid card

We were given a {$200.00} American Express gift card with the receipt by a charitable organization. Several months later, we lost the card but still had the receipt. After many calls with American Express, they said they would suspend the lost card and send a replacement if we sent a copy of the receipt along with a letter with various details, including a copy of my drivers license and a utility bill. 

After sending all this information ( via email on XX/XX/2019 and XX/XX/2019, reference numbers XXXX and XXXX ), American Express did not issue a replacement card. They said they needed to get in contact with the the original purchaser of the gift card. I have no idea if they even tried to contact the original purchaser ( who was unknown to us ). 

So American Express is not issuing a replacement card to us, and isn't refunding the money to the original purchaser either. It seems they are just going to keep the money for themselves by hiding behind a Kafkaesque process with moving goal posts.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 or other personal consumer reports

SINCE XXXX OF 2023 I HAVE BEEN DISPUTING SEVERAL INACCURACIES ON MY CREDIT REPORT I HAVE BEEN GAINING NO PROGRESS JUST THE SAME EXACT GENERIC RESPONSE " ITEM VERIFIED '' I HAVE ASKED FOR WELL OVER 90 DAYS FOR THE METHOD OF VERIFICATION FOR THESE BLATANT ERRORS ON MY REPORT TO NO REPLY THIS IS COMPLETELY UNACCEPTABLE ATTACHED IS THE MOST RECENT DISPUTE LETTERS AND COVER LETTERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : OAG CHILD SU XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/ I logged into my XXXX XXXX  account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine. 
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine. 
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX. 
XXXX XXXX obviously had blended my account with someone else 's account. 
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX. 
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint. 
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error. 
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left. 
I have already reported this to them but they are ignoring that. 
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment. 
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX  Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal  : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX  Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX
Product: Debt collection

On or around XXXX MBA LAW obtained private and confidential medical information about me and my XXXX  child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verfication in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected informtation including social security numbers and insurance policies of that of my XXXX  XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themseleves as lawyers and debt collectors yet do not and did not have a NMLS # vaild for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX  and XXXX XXXX. After many arguements and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudlent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and attornies and then ignored me. Assetcare and capio parteners aso have NMLS # that are not vaild in the state of flotida and have resold the fraudlent debt. I recieved a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an immensible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate information from my credit report. 

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

I signed an original contract with XXXX ( XXXX XXXX XXXX XXXX XXXX  ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Product: Payday loan

I went into First Virginia loans in an attempt to get a loan for about {$600.00} to get my A/C fixed during the hot summer months. I am a diabetic and extreme heat makes me feel very sick. My A/C wasnt working at all. They talked me into getting a larger loan and said that it would be paid off until 8 months but I had flexibility with the payments, but I dont. I have been paying {$850.00} per month for almost 2 years to try to pay this off because the interest rate is 150 %. I am NEVER going to be able to pay this off. I feel as though I am trapped and with my medical expenses for my XXXX and XXXX I feel I am stuck. I called the store to get help but they told me that I needed to call corporate, but corporate said that they cant help me because I am not in default. That 's is insane because I am trying to keep from getting into default. This is predatory lending at its finest! Once you borrow the money, you have to re-borrow forever just the be able to pay your normal expenses because of the unrealistic interest rate and monthly payments. This should be against the law. This is trapping consumers in a downward spiral.
Product: Checking or savings account

XX/XX/2021 I reported to US Bank that my debit card had been stolen, and reported every unknown transaction. After that, they turned off my card, but my bank account still had it. Funding I tried to log in to my account using mobile banking and online banking to transfer the balance of the account, but it was not successful. On the morning of XX/XX/2021, when I tried to log in to mobile banking to transfer my funds again, the system prompts me that my login account has been XXXX and I can not access my account, but my account contains all my funds, including The third round of assistance is in this account. That is all my money. I can't use the digital bank. I can only go to the local bank for processing. But the bankers also told me that they can't do anything, nor can they get back the money in my account. Let me wait and wait until one of their departments finishes processing before releasing my funds, which annoys me very much.
Product: Credit reporting or other personal consumer reports

I usually look at my credit report often but I havent recently because I thought my credit score was still in the XXXX range which is fair. I went on my XXXX XXXX and my credit was at a XXXX, I look to see why and I see XXXX hard inquiries and I didnt authorize any of those places to run my credit through so many companys because I know personally that they will affect my credit score. I find this very unpleasant because I personally did not tell any of those places to do such!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has failed to update the credit card account status as closed. Subsequently the company failed to contact me regarding a {$75.00} past due amount in an account with a {$27000.00} limit. The {$75.00} was due to an annual fee. This single item has single handedly ruined my credit. They need to re assess the threshold in which their collection ... .or in this case courtesy ... ... efforts begin. I assume their dialer or a rep did not call on the account due to the limited dollar amount of the delinquent amount. Additionally it is nearly impossible to sign up for automatic payments on their app which I would argue to be predatory.
Product: Credit card

Comenity bank over stock. Is sending me threatening phone calls. I am having financial difficulties at the moment. But they refuse to work with me to lower the interest payments or payments. I've been making smaller payments to try to keep my account from going further behind. I have set up a payment of {$37.00} for XXXX. I have set up a {$47.00} payment for my XXXX XXXX account.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I initiated a consumer transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' After speaking with your representative XXXX on XXXX XXXX, I was informed that there is no application on file. She later stated a soft credit check was indeed performed. If this is true, your company has committed securities fraud. See 18 U.S. Code 1348. My security ( application, signature, ssn ) was given and I received nothing in return. Per section 16 part 2 of the Federal Reserve Act my application is the collateral a negotiable instrument, a promissory note. My application created the money Im applying for. 
The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
XXXX XXXX XXXXXXXX 15 USC 1602 XXXX : XXXX 15 USC 1637 XXXX : XXXX 15 USC 1640 XXXX : XXXX 15 USC 1681o https : XXXX 15 USC 1691e XXXX : XXXX 12 USC 1431