23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a auto loan with bridgecrest financial, bridgecrest without any knowledge to me sold the debt to XXXX XXXX for {$9200.00}. I was never contacted by XXXX XXXX  by phone, mail or any other means. I called bridgecrest because i totaled the car. They advised me that i needed to contact XXXX XXXX  So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted bridgecrest against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what XXXX XXXX  is trying to collect from me without explanation!
Product: Debt collection

We have tried to settle the debt owed for the pst week XX/XX/XXXX-XXXX 2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.
Product: Credit card

I have a business credit card with my name as guarantor. In XXXX, I sold my business and worked with my attorney to draft and send Articles of Dissolution to my creditors asking for repayment restructuring. These letters were mailed to creditors in early XXXX. My attorney instructed me not to make payments to the account, as the account with tied to the business. 
Today, Chase reported the delinquency to my personal credit report without ever contacting me directly to remit payment or discuss resolution. I immediately paid the account balance to get the account to current, provided copies of the letters drafted by my attorney, and asked for the account to be closed, and adjustments made to the Credit Bureau to clear my personal report. Their lack of communication caused a XXXX point drop. 
I am in the midst of refinancing my home to help pay off the debts I owe from the business ( including the debt owed to Chase ), but this negative reporting will be detrimental and eliminate me from being able to refinance. 

I am trying to avoid bankruptcy and need this to be removed in order to have a chance at paying off my debts and staying financially healthy. 

Thank you in advance! 

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

I have attempted countless times to correct misinformation on my credit files with XXXX, Experian and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 an unknown inquiry was made on my transunion credit report. there was no phone number to be reached by this company and the address that was listed appears to be an abandoned house. i have since called transunion about this situation and they agreed and told me the next step is to file a complaint with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

This complaint is in regards to my previous complaint # XXXX. Not only do I NOT agree with the response from Target, I have since been advised by Target directly that their company was in error. On XX/XX/2021, I spoke to a representative, who I believe the name was Ukarie ( hard to understand ) and Supervisor named XXXX for 45 mins reviewing the account. It was at that time, that XXXX advised me that the representative I previously spoke in regards to waiving my payment was in the wrong and told me the incorrect information. They were not offering any COVID assitance at that time, but the representative advised that my payment would be waived, and I would not have a payment due until XXXX. Again, Target has openly admitted to the error, and still refuses to correct it. If I had not been mislead to believing that the payment would be waived, the payment would of been made. I never recvied a statement via mail or email as Target has claimed, nor did I receive a courtsey call, or message stating that I had an overdue payment. Again, I paid the account as i had agreed to when I requested the assistance. As this error has been admitted by Target itself, it needs to be corrected as they are misleading their consumers.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I never authorize my credit to be pulled from my Experian credit report this is an attempt to do fraud XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT.

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Checking or savings account

Contacted Bank of America customer care on XX/XX/20, after discovering link to bill pay tab was down as I wanted to cancel a scheduled check that was still in process. 

When I inquired on why the full site and mobile apps for bill pay self service were down, staff handed off to three separate agents before landing with the last ( XXXX ) who read me a disclosure agreement after stopping payment on the bill pay check I could not cancel online because system feature was omitted. I challenged agent asking for escalation to a manager, as bill pay featured user options were modified by the bank to force users to utilize stop pymt to void a schedule check, rather than self canceling via self service. Agent claims my issue was being escalated, but could not provide an estimate in resolve for restoration on websites bill pay check cancellation feature. 

Today, XX/XX/20, I learned Bank of America reported my new bank card information to an online merchant without my consent and debited two current and two past paid in full installment purchases without my consent. I believe this back acted negligently by sharing confidential info to a third party without my expressed verbal or written consent. As a long standing 30 year customer of this bank I am outraged at the level of negligence in securing customer sensitive information. I am well versed in managing my financial affairs and require no assistance from BOA to facilitate funds to parties I solely have contractual agreements with, and strongly feel this bank has overstepped its bounds and also compromised my account by relaying new card information I had just activated. Please launch an investigation into these matters as soon as possible as this bank needs to be held accountable for the egregious, and self-serving revenue customer, arm twisting practices they are conducting. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent XXXX, Equifax, and XXXX multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH XXXX XXXX. I WENT DIRECTLY TO XXXX XXXX TO DISPUTE THE ITEM IN QUESTION AND XXXX COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
Product: Debt collection

I CALLED MY FAMILY DOCTOR AND ASK THEM ABOUT WHY IM IN COLLECTION. THEY STATED THEY DI'NT HAVE ANY RECORD OF THE COLLECT ACCOUNT. THIS COMPANY HAVE {$90.00} COLLECTION ON MY CREDIT REPORT. 

BUREAU  OF  ACCOUNTS  CON  XXXX XXXX XXXX XXXX XX/XX/2017 {$90.00} {$90.00} XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Mortgage

XX/XX/XXXX, I enrolled in and enlisted mortgage modification assistance from my local NACA Program in XXXX, FL. It was confirmed that my mortgage situation met the criteria for assistance through the Program. I followed the process steps completely and I was presented with the modification option ; I was encouraged along the way by my assigned NACA Agency Counselor face to face, via telephone and email. As the process unfolded I received a XXXX package with the modification terms and details ; to my knowledge these specifics were negotiated by my NACA Counselor on my behalf. However, upon closer inspection this year, I 've discovered that this " modification deal '' contained many elements that has locked me into many years of hardship - specifically 'predatory lending ' at its best. For example, the new terms include ( 1 ) a XXXX and XXXX mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XX/XX/XXXX. Upon this discovery I contacted my former NACA Counselor and returned to my local NACA Agency office. To my surprise I was met with finger pointing suggesting that I had accepted a 'streamline ' offer and that NACA could not support my choice ; furthermore NACA had no paper trail of the offer I had accepted and they were certain that NACA had not negotiated a loan modification on my behalf XX/XX/XXXX. The NACA Counselor then asked that I provide copies of original loan modification agreement for her inspection. The documents were scanned at my local NACA Agency and I was contacted by my original NACA Agency Counselor ; she immediately pointed out that the deal was exorbitant, reeked of predatory lending and I should file a complaint with CFPB. Lastly, when I asked about a remedy the Counselor advised that there was no recourse through the NACA Program and that I ( 1 ) could just make the payments because the amount was nominal or ( 2 ) refinance the mortgage to mitigate the XXXX and XXXX mortgages and the large balloon payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.
Product: Credit reporting or other personal consumer reports

The company stated in writing that they failed to verify an account yet they continue to report this inaccurate account. Please see the attached letter along with proof of damages.
Product: Debt collection

In reviewing my credit report found a collect list from XXXX XXXX XXXX send to Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX this account wasn't opened by myself XXXX XXXX or my wife XXXX XXXX XXXX. We have spoke with Credence XXXX and transferred to XXXX at which time we were advised to made a police report and they will send us an information package. The amount of this charge is {$1300.00} this account was made in TX according to Credence
Product: Debt collection

I have a six year old account that was charged off by XXXX XXXX XXXX and once a year the credit card company reports a current late payment on an account that was closed and charged off over 5 years ago.

This action caused a 35 point drop in my credit score and my inability to get a XXXX  citi card to buy XXXX XXXX. I am also unable to refi my house and the rates have gone up twice costing me many of thousands of dollars over the term of the loan.

This is retaliatory and unfair. It is also very intentional designed to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said there was able to verify the information and they did not tell me how they viried the information. Sent letters to them and asked for proof and they have not sent any thing
Product: Credit card or prepaid card

Comenity has been updating their website for a while now and I havent been able to pay my card. I dont want my credit score to be affected because of them. Im reading also that they might have gotten hacked and that just worried me more specially regarding my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report.

1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, XXXX XXXXXXXX XXXX is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

XXXX XXXXXXXX is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.
Product: Debt collection

My original complaint was with Geneis Credit Management, which failed to send me a verified signature connected to the debt they accused me of owing. Now, the debt is being reported by COLUMBIA DEBT RECOVERY, which is under the same entity.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$54000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$1100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX 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: Other financial service

Hi, the reason I am asking for help is because : every month I buy a chase cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to chase bank to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a XXXX XXXX XXXX ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at chase bank but cashed in XXXX XXXX bank. I was given a period of 120 days for resolution and during these 120 days I have been calling chase twice a week with no update except for chase saying that they have emailed XXXX XXXX 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' XXXX XXXX into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed in the first place and how little Chase is doing to try to recover the money.
Product: Student loan

I am submitting this complaint against a private student loan servicing company, Nelnet. In XX/XX/XXXX, Nelnet reported on my credit report several loan accounts totaling to {$40000.00} in student loans dated fromXX/XX/XXXX. I have contacted Nelnet via telephone and email several times within the last few months, regarding to request information on the student loans. They have not provided me no information in regards to the debt that has been posted on my credit report. I contacted my XXXX institution, XXXX XX/XX/XXXXand Federal Student Aid directly, they disclosed that they have no information on this debt and I will need to contact the private loan company directly. Nelnet has yet to provide documentation that I had requested back in XX/XX/XXXX via telephone. 

I am submitting this request because I did not apply nor did I take out student loans during my XXXX years in XXXX. Nelnet this requesting payment on student loans almost XXXX years after I graduated in XXXX. I have no record or documentation regarding this debt.