23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted by Portfolio for the last 2+months regarding a credit card debt. I have told them twice, including today at XXXX XXXX that I am working with an attorney to file bankruptcy. They say they will make notes and the calls will stop but they don't. I received another call at XXXX XXXX. I have warned them the numbers they call from are being blocked and I don't wish to discuss it further. They call about 6 times a day.
Product: Checking or savings account

Money coming up missing out of my account that they want allow me access to
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with XXXX XXXX  I received 2 deposits of XXXX in the account. On XX/XX/XXXX, I was unable to log into my account and called support. Support informed me that the account is being closed for " business reasons '' and that I will be unable to access my account in the meantime. When I asked them how long it would take to get my money back, they said that they are still doing more " research '' into my account and were unwilling to divulge specifics. Now, I have {$2000.00} tied up with them and I have no information on when or how I will get it back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information as clearly seen and marked on my credit report. As per Section XXXX of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C $ XXXX ), and Section XXXX ( XXXX U.S.C XXXX ). I am requesting the immediate removal of this erroneous information as it is incorrect and does not belong on my credit profile. 


The inaccurate item ( s ) in question are as follows : XXXX XXXX Holdings : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This information is incorrect and must be removed immediately as per my rights under the FCRA. Please conduct an urgent review and delete these items from my credit report. I have attached supporting documentation for your reference. 


Please provide written confirmation once this information has been corrected. I appreciate your prompt attention to this matter and expect a response within the legally required timeframe of XXXX hrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.
Product: Credit reporting or other personal consumer reports

Re : Unauthorized Hard Inquiry Dispute I am writing to dispute an unauthorized hard inquiries that appears on my credit report. 
The inquiry in question was made by XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX 
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX 
( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX and it does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ). As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. 

Please confirm in writing that the inquiry has been removed.
Product: Credit card or prepaid card

FOR THE PAST 6 MONTHS IVE BEEN TRYING TO SHUT DOWN MY MACYS STORE CARD EVERY PAYMENT I MADE FOR MONTHS KEEPS GETTING REVERSED MY CREDIT SCORE HAS DROPPED FROM XXXX TO UNDER XXXX BECAUSE OF THIS ISSUE THEY REPORTED THE ACCOUNT LATE EVEN THOUGH IVE PAID IVE SPEND WEEKS ON THE PHONE TRYING TO RESOLVE THIS MATTER I ASKED FOR MY ACCOUNT TO BE SHUT DOWN 5 TIMES ITS STILL OPEN THIS ACCOUNT HAS RUINED MY CREDIT I TRIED TO GT THIS REMOVED MACYS CLAIMED TO THE CREDIT BUREAU THAT THIS IS ALL MY FAULT AND I MISSED PAYMENTS EVEN THOUGH I SHUT THE ACCOUNT AND MADE THE PAYMENTS. 

P.S EVERY TIME I CALL I AM PLACED ON HOLD FOR HOURS THEN THEY HAG UP THAT THEY KNOW WHAT THEY DID WAS WRONG AND HAVE NO INTREST IN FIXING THIS MATTER
Product: Debt collection

I have a collection account for medical that originally was with XXXX XXXX I have been called repeatedly by them and tried explaining that I had medicaid at the time. I was awarded ssdi and my medicaid was retro active for the time of service. But they continue to speak disrespectful and will not work with me. I am trying really hard with these people. But they just talk about payments and plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was asked to investigate an entry on my credit file. The results have continuously been that the entry has been verified with a third-party. I contacted the third-party ( XXXX XXXX ) and they stated that they could not validate this entry so therefore XXXX XXXX deleted the entry from their files. Equifax was sent a copy of the response that I received from XXXX XXXX several times. Entry was disputed again and the response was that Equifax verified the information through the court system. I contacted the court system listed and they stated that they do not verify this type of information. The court system response has been sent to Equifax as well. The last request that I had was for Equifax to send all documents that they had in their file that validated the entry on my report whether it be the court system or XXXX XXXX. The response that I recieved was that the entry had been validated yet again by a third-party ( XXXX XXXX ) but there were no related documents furnished to support this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian several times before contacting you inquiring about this error and I was hung up on, transferred, and given the wrong information before contacting you. My credit score is showing XXXX on their website and I had a negative account removed which was not suppose to be there so the company took care of it and I was notified by Experian that my credit score increased by 2 points or XX/XX/XXXX, then XX/XX/XXXX it was suppose to increase by 4 points, then XX/XX/XXXX it went from poor to fair and increased again on XX/XX/XXXX by 1 point but my score is still showing XXXX and poor with no change and this is unacceptable. I really need assistance and I have documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. 

XXXX XXXX XXXX XXXX OF XXXX : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in XXXX XXXX XXXX auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. 

Bank of America : XX/XX/XXXX BOA report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside BOA sent bad information ; a close analysis of my BOA profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with BOA and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. 

XX/XX/XXXX BOA make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!
Product: Mortgage

In 2009 my lender admits to making a mistake using an incorrect HUD-1 addendum which caused a delayed endorsement and therefore caused a negative impact on my refinance streamline options to obtain a lower interest rate with a grandfathered MIP rate. 
Although, they admit to making a mistake, they are not reconciling their error with me. 
Refer to attached documentation. I only learned about this mistake because over several years I continued to do research as to why certain refinance options were not available to me and they should have been. If this mistake happened to my loan servicing and it has not been reconciled with me, how many others are unknowingly suffering because of a similar mistake by their servicing lender?
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Payday loan, title loan, or personal loan

In XXXX of 2017 I applied for a {$2500.00} loan and was approved with Rise. I was aware of the high interest rate of 238.90 %, but at the time I needed some financial assistance and this was my only option. The payments are due approximately every 2 weeks. Since then I have made approximately 32 payments of {$230.00}, which sadly comes out to about {$7500.00}. I called today to pay off the loan and was shocked at the amount they gave me, {$3300.00}. If I paid that amount, the total amount paid is {$10000.00}, which is more than the term of my loan agreement. It appears that all the payments I have made has only been going to interest and I have not been applied towards the principal. 

I was reading up on New Mexico 's laws in reference to loans of {$2500.00} or less and I just do not see how this company is able to make me pay more than what is in my loan agreement. I am not able to retain a lawyer to look into this, so this is the route I am having to take. I would greatly appreciate any and all help/information you could give me. 

Sincerely, XXXX XXXX
Product: Student loan

This is a follow up to complaint #  XXXX . I appreciate the companies response and I would like to clarify that the issues described in my complaint were an aggregate of my dealings with all the servicers of my loans and the inability to get any concrete numbers or history of payments from ANY of them, not solely directed at GC Services.     I understand that they do not set the rates or fees as stated but as the loan servicer, certainly they know the amounts. Assuming that the loan file transfers with the servicer, they should have no problem in providing me a complete account aging going back to   XXXX   when the garnishments began.     They responded that they would be sending me the account history I asked for on  XX/XX/XXXX . To date (  XX/XX/XXXX  ) I have received nothing.     Still waiting.
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Consumer Loan

I purchased a 2014 XXXX XXXX from XXXX XXXX XXXX in XXXX NJ. I originally planned to finance the car but they told me my payments would be almost $ 800/month. They said my payments would be less if I had a co-signer and if I did a lease and chose the purchase option at the end. I did that but my payments are still high at $ XXXX/monthly. I thought this was unusual for a lease but I did n't know any better. I thought with a lease my payments would be about $ 300/month. I also brought my diploma because they offer {$500.00} off for new college graduates. They switched my mother to the primary when she was supposed to be the co-signer and then said I would not be eligible for the {$500.00} credit because I was no longer the primary on the lease. I really need to know what interest rate I was charged because after reading about this settlement I now fear that I was ripped off on this purchase. They also charged me for a lot of things I did n't request like a key replacement fee, gap insurance coverage, excessive mileage coverage, etc. When I complained and requested that the unnecessary items be removed they said ok but it would n't change my lease payments. I was very confused but by then the 3-day grace period had passed and I was stuck with the car and the high payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm set up with automatic payments. Each month, the payments go to the wrong accounts ( I have no control-they apply the payments ). My credit report is showing one account is horribly past due, yet when I call, they tell me that it's fine. This is also affecting my mother 's credit ( my cosigner ). She has also called & been told that everything is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account number XXXX Date opened XX/XX/2019 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department