23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a loan amount taken for XXXX which was paid. I owed less than XXXX dollars in the account and the company never called or contacted me to make me aware of my balance. Now they are charging me over 120 % in interest and I owe more than the original loan amount. I called to settle the account and was told I would be called back and never was contacted. I reached out on several occasions and they refuse to settle the debt with me, which is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an a personal credit card opened at XXXXXXXX XXXX XXXX under the account number XXXX a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$5200.00}. an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Checking or savings account

Starting XX/XX/XXXX Ive been locked out of my account and wont let me access online banking for unknown reasons. 

Ive gone to the branch 2 times and called customer services 7 times over the last XXXX and a half weeks to resolve the matter and keep getting the run around as to what the issue is. 

I was told a letter was sent out on the XXXX and then again on the XXXX and have yet to receive any documentation regarding the matter, nor an explanation via telephone as to the issue because they wont let me verify my identity. 

Today, XX/XX/XXXX I called again and was told my account wasnt locked, went to make a purchase and sign on to online banking as was met with the same issue. 

I called 4 separate times because the fraud team kept disconnecting the call. Ultimately they said my account was still locked and theres nothing they can do for me so I attempted to just close the account and they hung up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called in to request a credit line increase on my XXXX   visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XX/XX/XXXX and XX/XX/XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by XXXX. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was discharged in Chapter XXXX on XX/XX/2018. 
XXXX XXXX sold my mortgage to XXXX a Credit Collection Company. My lawyer sent them a letter explaining they are breaking Federal Bankruptcy Law 524. The have ignored my lawyers letter. 
XXXX is continuing to send me certified letters, reporting this on my credit report, and acting like I owe this to them. When this mortgage was discharged by Judge XXXX XXXX. 

I contacted my attorney again, he explained to me we could file suit, with me again having to put out thousands of dollars, which I already have put out thousands of dollars to get rid of XXXX. 

Why do I have to pay more money to get rid of a company that is breaking Federal Bankruptcy Law. 

It took me 2 years to rebuild my credit score to the middle 600 's since XXXX reported this mortgage ( that doesn't exist ) to the credit bureau my credit score is now in the low 500 's I will never be able to regain a mortgage, buy anything with a decent interest rate, I did the right thing I filed Chapter XXXX, and know am being punished by XXXX, who is breaking the law. 

Where are my rights, without having again to spend thousands of dollars to sue someone who is breaking the law. 

Please find attached. The letter from my lawyer to XXXX, my discharge papers from Federal Court.
Product: Credit reporting or other personal consumer reports

Response to flagship In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX with an extended warranty. The vehicle began having engine issues shortly after purchase. I returned it multiple times and was eventually told it needed a full engine replacement. The dealership quoted {$6100.00} and offered to cover {$2000.00}, leaving me with a {$4100.00} balance despite my warranty. 

During this time, I was making monthly payments to XXXX XXXX XXXX. I have email confirmations of at least XXXX payments made while the vehicle was in the dealerships possession. Still, XXXX reported I made 0 % of my payments on time and later charged off the account, damaging my credit. My XXXX score dropped over XXXX points, and there are ongoing inconsistencies in how the account is being reported. 

The dealership also provided me with a rental vehicle and told me not to worry about the cost, but later issued unexpected charges. Communications from XXXX XXXX XXXX team members ( XXXX and XXXX ) confirm the {$6100.00} estimate and their {$2000.00} contribution. 

I have documented : Email confirmations of payments made Invoices and estimates from XXXX XXXX Screenshots of my credit report and reporting changes XXXX with dealership staff about the repairs and rental This situation has resulted in inaccurate credit reporting, financial stress, and a loss of reliable transportation. I am requesting that XXXX correct the tradeline or remove it entirely and that the CFPB investigate how both the lender and dealership mishandled this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : 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: Mortgage

I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX. 

XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The second address on my credit report is WRONG. I do NOT nor Never lived at this address .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was born and raised in XXXX XXXX, Nevada. I have lived here my entire life. We have lived in our house for almost 32 years. Could you please help remove this address from my Credit report. Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid all Debts to Allied Business Services, accounts are listed as closed, and not Paid in Full. 


Please furnish all details relating to why the account has not been updated.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly payment did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments on said accounts were previously disputed on said accounts. Said accounts are still reporting late in my consumer report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address multiple inaccuracies in my credit reports across XXXX, TransUnion, and XXXX. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : 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 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 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 XXXX XXXX XXXX XXXX XXXX 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

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found three late payments on all three credit reports. I have filed a dispute with all three, two have corrected the issue Experian has not corrected the error. The dispute was with XXXX XXXX, I have made my payments on time every month. Back in 2018 I had XXXX XXXX   and could not work for three months. I contacted XXXX XXXX to ask for a deferment, they agreed to that. The following year My XXXX XXXX passed away, I asked for one more deferment due to funeral expenses in XXXX and XXXX where my XXXX was XXXX and many family members live, XXXX XXXX agreed to the deferment, for some reason the deferment came up as late which XXXX XXXX corrected. When I called Experian they said to file a dispute. I have already submitted the complaint, I can't do that again. XXXX XXXX said they notified Experian that the late payments are deferred payments not late. To this day Experian neglected to correct their error and this has caused me extra interest. 
Please have Experian correct their mistake. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge or consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$50000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report, and Im at a loss as to why. I regularly monitor my credit report, but this time, I noticed some discrepancies that werent there before. After refreshing my browser, hoping it was just a mistake, the unauthorized inquiries still appeared. I urgently request a thorough review of the documents Ive submitted to ensure this problem is resolved for good, allowing me peace of mind.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # 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 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

First National Bank of Omaha Visa refused courtesy skip payment during initial months of COVID 19 in XX/XX/2020. My income as an XXXX was interrupted And Unemployment benefits were impacted by fraud until XX/XX/2020. Despite no gainful employ, payment was made from my savings through XX/XX/2020. Many attempts were made with detailed description to FNBO customer support of stopped income, however no assistance was offered, despite my asking. Help was offered from my other major credit card companies - XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. The courtesy to assist per 'skip pay ' came in varying degrees from all minor accounts as well. FNBO is the exception. XX/XX/2020, I submitted a detailed letter of my actions, and checks totaling {$800.00} to settle accounts. Detailed letter and check memo stated cashed checks submitted with company 's endorsement is acknowledgement that the debt has been settled in full and no further action from FNBO will be taken with regards to accounts involved. Checks were posted and paid from my bill pay account XX/XX/2020. Collection calls from FNBO have been constant since XX/XX/2020. I have spoken with customer service and management ( XXXX ) as recent as tonight. Even though record of payment is acknowledged there seems to be an unwillingness to show account closed/paid or to return funds so as to resume monthly payments. I am unable to do both and have made this known to them. I am disappointed this creditor offers no solution, yet instead is insisting more payment with added late fees. Thank you for assisting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$1700.00}.