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

During the COVID-19 Pandemic I was under economic hardship and had to close my credit cards with JP Morgan XXXX I was behind on a few payments and entered into a debt consolidation program with them. This began on/around XX/XX/XXXX and make a monthly fixed payment to pay down XXXX independent accounts. My payments have always been on time and will continue until all balances are paid in full. 

In XXXX of XXXX I was notified of a +-100 point drop in my credit score and was very concerned. After much investigation ( and phone calls ) I was informed by JPM they changed internal systems on how they report to credit agencies and this was likely the cause of my score lowered at XXXX. My JPM accounts ( while in current repayment and good standing ) were being reported to agencies as a 'closed'/'default'/'etc '. 

How can my accounts be listed in reports to reporting agencies in default when I am in current repayment? How is this coming up after 2 years of a consolidation program with my provider? How did a system change error result in my credit score cratering by almost 100 points when I am in good standing with JP Morgan. - no one at JPM or XXXX could answer my questions. 

I feel there has been little accountability by either party here and imagine this impacts a broad community of folks that were economically impacted by the Pandemic - but wanted to be current in the debt repayments. 

There must be 1000s of people like me out there that have been negatively impacted by this problem at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

!!! Hello, My name is ***XXXX XXXX XXXX I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX  XXXX  +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Lexis Nexis because they are reporting inaccurate and unverifiable information on my report. They completely ignored my request. I then contacted them via telephone which is also a hassle because they always have to call me back. I then received a call from one of their representatives who stated that they verified a bankruptcy with the US Bankruptcy of XXXX XXXX  XXXX. I previously contacted the courthouse, spoke to XXXX XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to anyone, Lexis Nexis. 
I demand that they delete this bankruptcy from my report immediately and delete it from the credit reporting agencies. 

Account : US Bankruptcy Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$79.00}
Product: Student loan

I have private loans with both XXXX and Citibank and a federal loan with XXXX. My payments for all XXXX amount to {$1100.00} per month ( though only {$120.00} of that comes from my Federal loans ). I am a XXXX and only make {$20000.00} a year, and I have been having a lot of trouble making my payments and paying my rent at the same time. For the past 4 years, I have tried to remedy this situation, first by attempting to contact my private loan companies ( they claim that there is absolutely no way that they can change my 10 year repayment plan to a 20 year repayment plan, even though they currently offer the 20 year repayment plan to other clients ). They instead suggested that I could consolidate my loans through another lender, and so I have attempted to do so through XXXX different companies, first through XXXX XXXX and then with XXXX 's Bank. My father, who was my co-signer on the original loans, passed away, so it is no longer an option to apply with him as my cosigner. I applied first with my grandfather as my co-signer, and then my uncle, both of whom have fantastic credit scores and substantial income. I was turned down XXXX, based not on my credit score ( which at the time was in the high XXXX ) but based on the fact that I am a XXXX and do n't have " provable income ''. 

So, I am at my wit 's end. I can not afford to pay the sum I am being asked to pay per month while still paying my rent and buying groceries. My loan companies refuse to work with me to help me with the repayment and so I am currently two months behind. I have no desire to be a delinquent borrower, but the system has left me no choice. I 've exhausted all other options, and so I 'm praying that you might be able to help me in some way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX XXXX, and Experian. Both XXXX XXXX XXXX  were cleared my credit report history with no any extra headache but Experian won't clear. its been a year already still no luck with Experian. Please give me an advice how to solve this issue i have all the legal documents, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act ( 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

Date of Occurrence : ( appx ) XX/XX/2023 Issue : I rec 'd a Pre-Approval for Victoria 's Secret XXXX, to which I accepted. I was informed I rec 'd a {$350.00} CL. I chatted w/ Comenity customer service ( CSR : XXXX XXXX ) and he informed me that I was approved for the XXXX ; I further asked why it was so low to which he responded " I mean, it should be {$250.00} '', which I thought was rude but okay... Upon arrival of the the card, it was NOT a XXXX but a store card. I reached out to them requesting why I rec 'd a store card, to which they stated that b/c I wanted to switch I need to apply for the XXXX. I responded and informed them that the store card isn't what I agreed to and they responded to the same, take zero responsibility for their actions.
Product: Mortgage

I had XXXX as my mortgage company and when XXXX hit last year, my husband and i both lost our jobs, so we couldn't come up with the mortgage payment since we were both unemployed. I called XXXX and they had a program to defer the payment for 3 months and then i was able to extended for 3 more months. According to XXXX, the months i missed are suppose to be added to the end of the loan. Few months down the road, my husband went back to work and we start the payments again on our mortgage but every time i paid the money got applied to the oldest month open! 
In the meanwhile, Select Portfolio Services took over the financial side for XXXX XXXX and they start asking for the full amount that i was behind on about XXXX k, i told them it was suppose to be added to the end of the loan and they denied that. I did not have anything in writing from XXXX, since it was an automated system that let me defer the payment for 6 months or so. 
Now i have been going back and forth with Select Portfolio Services to try to resolve the issue with them, they told me they will review my account with the underwriters and let me know! they requested some documents, like paystubs for my husband and W 2 and employment verifications etc and i feel like this is been taking forever and ever. I need to refinance my mortgage and this is kind a in my way, because on the statement it shows that i am behind and i owe XXXX k even though i have been paying every month. 
please help me resolve this issue with them. thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they 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 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.
Product: Checking or savings account

On XX/XX/2022, {$10000.00}, wrote out a check to a friend. 
OnXX/XX/2022, {$1400.00} transfer money to XXXX to a relative On XX/XX/2022, {$1400.00} transfer money to XXXX to the same relative
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have contacted your XXXX XXXX, Equifax, XXXX regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX**** and Public Information: Chapter XXXX Bankruptcy: XXXX
Product: Checking or savings account

Navy Federal Credit Union still keeps charging me excessive overdraft fees. Navy Federal Credit Union has already been sued by the CFPB for their excessive fees and damages caused. Navy Federal Credit Union was ordered to refund all fees. Navy Federal Credit Union has failed to comply with the order. Not only did not return any of the fees they illegal charged me but has continued to not comply with turning over records from my previous dispute about the money they took from my tax refund. I am now looking to sue Navy Federal in court due to their willful noncompliance.
Product: Credit reporting or other personal consumer reports

There inquiries on my credit report that are not mine. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union credit report is 20 points lower than my XXXX  with the same exact information I am never been late on anything in the last six years since Ive declared bankruptcy because I had XXXX and paid all my bills Im on time and Trans Union is always behind now the 20 points behind
Product: Debt collection

Discovered that I was getting multiple false charges to my credit card. Notified my credit card company CitiBank on XX/XX/XXXX and was told that it would not be withdrawn from my checking account but on XX/XX/XXXX my checking account was charged the money and was told there was no record of the dispute. A new dispute was filed on XX/XX/XXXX and I am still being held liable for the charges as of XX/XX/XXXX. The XXXX entities that have these multiple charges are XXXX and XXXX. I was unable to successfully reach them. The amount of false charges are in excess of {$17000.00}.
Product: Debt collection

On XX/XX/XXXX, I received a threatening letter from XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) concerning an old fraudulent situation that was already addressed and resolved in XXXX of XXXX by the Account Protection Team of Comenity Bank after a complaint presented by me years earlier in regards on an inactive account that presented fraudulent activity ( letter with the resolution and apologies provided with this claim ). 
For security reasons, I come directly to you at the Consumer Financial Protection Bureau instead of engaging in any type of communication with the senders.
Product: Credit reporting or other personal consumer reports

I applied to rent a unit at XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. They took {$120.00} application fee from me. Then they denied me by sending me an adverse Action email sent by SafeRent Solutions. I applied to 4 other apartments by paying application fee and got denied from all of them. I spent nearly {$1500.00} for application fees last week. I called SafeRent Solutions and asked what the agent saw in my tenant screening. He said he saw only 2 charge off accounts as negative account. He said there was a pending dispute in one of them. I told him other one was already paid off. Due to this inaccurate information, I lost my hard earned money as application fees and I got denied of rental. Because of this inaccurate information in tenant screening, I can not get any apartment in Florida. I am left homeless. I have a XXXX XXXX  and I work very hard. I have a XXXX XXXX XXXX. And I'm left homeless because of third party tenant screening company. Tenant screening companies violate our basic right to have a shelter, a home. My constitutional right is violated. We are not XXXX XXXX but XXXX became just like XXXX. If your score is low or if there is a negative remark in your tenant screening even if that is inaccurate, you are denied of housing which means you have no right to rent an apartment. So what should I do? Should I live on the streets as a single XXXX  at XXXX? This is not fair and it is violation of my human rights. United States of America became just like XXXX. Your score defines who you are. If your score is low, you don't deserve to live. You're worthless.
Product: Credit reporting or other personal consumer reports

account XXXX is closed and paid in full but shows as open
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$80.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that TransUnion Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureau decides to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a POLICE report and theft affidavit to have items blocked per the FCRA 605 .All of the bureaus blocked the information. Experian reinserted and upon calling I was told that the data furnisher submitted sufficient documentation for the items to remain. I don't see how they were able to submit any evidence to EXPERIAN but XXXX and XXXX blocked the fraudulent items and didn't reinsert them. 
Experian is violating the fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted XXXX and I was out of work. I logged in to make the my Carnote payment on XX/XX/2021 but it was drafted XX/XX/2021 Bridgecrest reported a 30 day Flag on my credit report. Ive called Bridgecrest over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
Product: Debt collection

Dated XXXX I sent a letter requesting written information and the right to dispute and this company failed to provide any information
Product: Debt collection

I was sued from XXXX XXXX hospital for not paying a medical bill. The hospital sent my accounts to a debt collection law office called John E. Lindner Law Offices in XXXX, MD. I received a notification from their office with two options to settle this dispute. One was to appear in court or make payment arrangements to avoid from going to court. In XX/XX/2018 I called and spoke to Mrs. XXXX from John E. Lindner Law Offices in XXXX, MD to receive an update on the balance I owe and it was {$2000.00}. I spoke with Mrs. XXXX about all three accounts in XX/XX/2018 to receive the balance of what I owe again. She told me the total balance for all three accounts are still {$2000.00}. I asked her if I can receive a statement because I believe the amount never moved since XX/XX/2018. She assured me that she would send me a statement in the mail and I never received it. I called her again XX/XX/2018 to settle a dispute because the payments for two of the accounts stop posting to my credit card being that we had an agreement for monthly payments to be charged to my credit card. So we settled a payment plan for both accounts for the next 8 months. I asked her about the balance again and she said it still is {$2000.00} which I find that hard to believe because I made several payments since then. I am not sure what to do at this point since they haven't mailed me a statement and I am not sure if the payments are going only to interest or towards interest and the bill. If it is only going to interest, what are you charging because that it a substantial amount to charge for interest.
Product: Credit card

I am filing this complaint regarding a credit card account with Midland Credit Company that continues to appear on my credit report despite an agreement for a " pay-for-delete '' arrangement with the creditor. The balance on the account is {$0.00}, as the debt was fully settled as part of our agreement. The terms of the settlement explicitly included the removal of the account from my credit report upon payment. However, the account remains on my credit report ( all three bureau 's ), negatively impacting my creditworthiness. 

I have contacted the creditor multiple times to address this issue, but the account has not been removed as promised. I provided payment in good faith with the understanding that the account would no longer appear on my credit report. The creditors failure to uphold their agreement constitutes a breach of our settlement terms and has caused undue stress and financial harm. 

I am requesting the Consumer Financial Protection Bureau to assist in resolving this matter by ensuring the creditor adheres to the agreed-upon terms and removes this account from my credit report immediately.
Product: Debt collection

XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.