23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not consent, nor benefit or authorize any of the following Accounts : XXXX. Discover BankXXXX Account # XXXX - {$500.00}
Product: Payday loan, title loan, or personal loan

Due to the negligence and error on the companies part in whole my credit was hit and points reduced ( again ) along with them giving me false and inadequate answers as to what the issue may have been  and while I do what they asked to adjust and reapply they again change their points, misrepresent the issue and force me to reapply to hit my credit again. This is latent negligence and mishandling. 

I did everything in my part to help but they decided unprofessional was their best approach to get me off the phone. Their not the first nor the last company handling things as such. 

Still awaiting responses from their executive level as was promised to resolve the issue. 

We will see.
Product: Debt collection

The company name is XXXX XXXX XXXX the amount of the bill is {$630.00}, and XXXX XXXX My home address is XXXX XXXX XXXX and I haven't had cable or Internet service from XXXX in over XXXX yrs. The XXXX is a credit card account with XXXX XXXX. I just got a XXXX  XXXX card and its active. These are not my accounts. I've disputed these account and asked them to check the information like the service address, name and social security number.. They continue to report false information on my credit report. This is not my accounts and I've had a very hard time speaking with these company and all XXXX  credit bureau have been disputed and it comes back as mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the reporting of inaccurate personal information reporting on my consumer report. According to 15 USC 1681 ( e ) ( b ) accuracy of reporting is in violation. Incorrect addresses are reporting to my XXXX XXXX and Equifax credit report. XXXX is reporting correctly.
Product: Vehicle loan or lease

BMO Bank accepted my loan application and rejected me with a credit score of XXXX They claim 1 ) the requested term is not available 2 ) collateral is not sufficient I demand the hard pull be removed from my credit score. It is fraudulant to pull a credit score for a loan which does not exist. I have no debt other thn a home mortgage. I have been unble to receive a return phone call from their Indirect Lending Department.
Product: Credit card or prepaid card

I have 2 late payments for the month of XXXX and XX/XX/2022, and my payments was never late. I think it been a error on they behave with the banks and now I have 2 late payments on my credit report that's messing up my credit. I did call and informed them of this and the customer care person did not want to call the credit bureau to fix this she just told me to file a dispute with the credit bureau. Been with this company for almost a year now and never had any issues. So I check my credit report again lately and someone change the date to XXXX and XXXX of me being late instead of XXXX and XXXX. This falls up under 15 U.S code 1666B billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month ( XX/XX/XXXX ) I pulled my consumer report and notice that an account that shows as a collection ( placed on my consumer report XX/XX/XXXX, account XXXX ) is still being negatively being reported on my XXXX consumer report. I have tried countless times of communicating with the both of these companies pleading that this account does not belong to me ( XXXX and XXXX Collections & Outsourcing ), however I have no response. I, hereby state as a natural consumer have never authorized or gave consent for this alleged collection that is misleading and inaccurately reporting by this company. I do not recognize this alleged collection, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged collection, Fair Collections & Outsourcing has not responded nor sent me debt verification. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged collection has been placed on my consumer report shows that I am not protected as a consumer from XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family. I do not know where this alleged collection has come from. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e. I have sent in a debt validation letter for the company Fair Collections & Out to send me any evidence or proof that I signed or consented to this alleged collection or given any evidence requested on my behalf on how this collection belongs to me. I will conclude that Fair Collections & Outsourcing is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged collection. Apparently, Fair Collections & Out company has a distressing reputation of alleged debt reporting against consumers and repeatedly breaking the law of reporting on consumers, per the 2015 case Jarzyna vs. Home Properties, et al., whereas Fair Collections & Outsourcing was charged with violating the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

The vehicle in question was purchased on XX/XX/year>, financed by XXXX, repossessed in the state of Georgia. 

Under the laws of UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Product: Mortgage

I called the bank who holds my second mortgage/home equity loan, before the payments were to go up from XXXX to XXXX per month. I called on XXXX XXXX, 2015 to modify my loan payment, which they say was to expire on XXXX XXXX. Today, it is XXXX XXXX and they still have not modified my loan. They are asking me to sign documents which they say are original loan papers. After four months of negotiations, and having never missed a payment, I have n't any modification. Why do they threaten me that if I do not sign these loan papers, that they will not give me a loan modification? They also threaten that if I do not sign quickly, I will have to begin applying for a loan modification all over again. I ask them why they threaten me with this every month since XXXX? They do not answer this. I am a victim of bank greed and I need your help. I am also wondering if I am victimized because I am an XXXX. I see that the courts ruled that National City ( my original lender ) was discriminatory to XXXX and XXXX. How about registered XXXX? My payment increased 255 %, and my paycheck did NOT increase that much, but my husband did lose his job and we had to begin all over again. The economic downturn was caused by the banks and I tire of them preying on me, and all Americans, regardless of their culture or race. One more point : PNC was only able to buy NatCity because the US treasury gave them the money. Taxpayers money. Our money. My money. So, should n't I own a piece of PNC? I would be happy to give myself a modification. I am a good tax-paying person, who has never missed a payment. I have been treading water for eight long years now. I do not want to lose my house. Please help me.
Product: Credit card or prepaid card

The transaction was dated XX/XX/2021 it was a purchase that i made for a bag i bought thru XXXX  XXXX  since there was no purchase protection on it the seller wanted to use paypal since it has purchase protection. When i finally paid it online it finally paid it online it did not appear to be payment to friends and family which paypal says thats what i did! Two weeks later i got something in my mail it was a card from the seller that say thank you thats when i realized i got conned, i was mad i called the same day and reported it to paypal and filed a complaint that theres nothing they could do as they already gave the money to the seller same with XXXX the card that i used to pay on paypal they closed my case saying that paypal provided a tracking number proved that the seller sent an item which 3 months later i still haven't got anything except fir the thank you card. I need help getting my money back! Thank you in advance..
Product: Credit card or prepaid card

I recently completely paid off my Chase Sapphire card which has a {$11000.00} limit. Immediately after paying the card the limit was decreased to {$7100.00} roughly around XXXX. I have a Chase Freedom card that has had a very low balance of {$750.00} and had a limit of {$4000.00} and the limit has been reduce to what appears to be {$1200.00} around XXXX. I have never EVER missed or paid late on these cards or any credit account I've had in the last five years and take my credit very very seriously. There was absolutely no reason to lower my credit limits which has directly effected my cumulative credit limit amongst all my credit lines and has affected my score. I just opened a {$30000.00} car loan that's always paid on time WITH CHASE!! This is extremely upsetting.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because the Experian website is preventing me from disputing items on my credit report online, citing " security reasons, '' without providing a clear explanation of the issue or how to resolve it. Despite my attempts to verify my identity and comply with their system requirements, I have been unable to proceed with my disputes. This lack of transparency and accessibility has caused unnecessary delays in addressing inaccuracies on my credit report. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that Experian resolves this matter promptly and provides a clear pathway for me to exercise my right to dispute errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card or prepaid card

I submitted a complaint about their practices ( Complaint Number XXXX ) of taking 3 payments at once. I took back 2 and they kept 1. 
They responded by blocking payment from my account and saying " the payment failed '' ... even though my bank shows it did not. 
It seems to be a purely punitive move in response to 1st complaint I filed. Now they say I have not paid and I am late which will affect my credit rating. I will turn this over to my attorney after I file this. 
I have no patience for deceptive banks
Product: Checking or savings account

On XX/XX/XXXX I received a letter from Wells Fargo Bank in reference to complaint number XXXX that filed with the CFPB ... In that letter Wells Fargo Denies having any record of correspondence sent to the wrong country ... I am attaching the evidence that my data was breached as was my personal signature that was sent to my old address in XXXX in the month of XX/XX/XXXX by Wells Fargo Bank ... Wells Fargo Bank states that they do not have an international address on file yet one of their requirements to open a new account is to provide an address history going back three years ... In order to that I had to provide Wells Fargo Bank with my previous address in XXXX which is where I lived for two years from the year XXXX - XXXX ... Correspondence was generated without the knowledge of the employee whose name is listed on that letter sent to my XXXX address ... XXXX send that letter back to Wells Fargo and the Wells Fargo South Dakota Bank forwarded that letter to me ... Attached are detailed photographs of the letter I got from the South Dakota Wells Fargo Bank that is used for rerouting mail that was sent to wrong addresses ... Also Wells Fargo offered a {$400.00} promotion online for new account holders ... I qualified but in order to fulfill the requirements I had to go to a local branch to complete my online account opening process ... One day my bank balance fell below XXXX dollar and because of that Wells Fargo said I was no longer eligible for the XXXX dollar incentive for new account holders ... I am attaching a photograph of a Cashiers Check that Wells Fargo Bank sent me after I was able to establish with Wells Fargo that this was false advertising filling new account holders like me with false hope of a reward that is not possible to get due to excessive requirements such as bank balance being less than XXXX dollar which I was never informed about ... I ask that Wells Fargo be held to account for making serious mistakes with where they sent my sensitive details ... Also for sending correspondence with an employees name on it and when I asked that employee at the local branch and she said that she had no knowledge this correspondence was sent to XXXX with her name on it ... This placed Wells Fargo 's on employee in a very awkward position which is not right ... I ask that this matter be investigated ... There are seven documents attached as evidence that Wells Fargo has not acted in the best interest of me their own bank account holder ... 

Respectfully Submitted by Ms. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and XXXX report {$4700.00}, while Equifax shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and XXXX list XXXX  months ; Equifax inaccurately lists XXXX. 
Date Last Active : XXXX : XX/XX/year> ; XXXX : XX/XX/year> ; Equifax : missing date altogether. 
Two-Year Payment History : XXXX and Equifax show 120 days late in XXXX and XX/XX/year> ; XXXX does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
Equifax : Real Estate Mortgage FHA mortgage. 
XXXX : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice.

The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement.

15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, FREEDOM MTG ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Credit reporting or other personal consumer reports

Company did not have permission to do a hard pull on my credit. I was told it was a soft pull. Instead it was a hard inquiry.
Product: Credit reporting, credit repair services, 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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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: Debt collection

I DID NOT RECEIVE Notice from ENHANCED RECOVERY COMPAN ( i.e. the Debt Collection Agency ) of my Statutory Right to dispute this so-called XXXX XXXX XXXX XXXX debt of {$1.00}, XXXX. 

Had I RECEIVED Notice, I would have informed ENHANCED RECOVERY COMPAN, that it was attempting to collect a Debt that I NEVER OWED in the first place because I HAD CLOSED the XXXX XXXX XXXX Wireless phone service account due to malfunctioning in XXXX XXXX XXXX provision of service to me. 

Further, I would have informed ENHANCED RECOVERY COMPAN that the Consumer Financial Protection Bureau had vindicated me by ORDERING the REMOVAL from my CREDIT REPORT of the same XXXX XXXX XXXX XXXX debt of {$1200.00} in TWO SEPARATELY FILED CFPB Complaints that I had filed in XXXX & XXXX against two Debt Collection Agencies who had acquired this same so-called XXXX XXXX XXXX XXXX debt of {$1200.00} that ENHANCED RECOVERY COMPAN is now ILLEGALLY attempting to collect. Although I can not readily recall the Reference Numbers of my TWO previously filed CFPB Complaints, these my previously VINDICATED Complaints in XXXX and XXXX are a MATTER OF PUBLIC RECORD.
Product: Student loan

I paid off all of my XXXX  loans ( serviced by Mohela as of this fall ). The balance showed {$0.00}. I reached out to Mohela to ask about how to close out my account and if there was anything I needed to do on my end to do so. I wanted a notification/ letter from them that stated my loans were completely paid off. 

They have completely ignored all my requests and their phone answering system has hung up on me. I can not get ahold of anyone despite my best efforts. About a month after my balance read {$0.00} I was charged over XXXX dollars in interest. I have reached out to them again and again asking how to rectify this and close out my account since I paid everything off so my empty account does not keep accruing interest. They have not responded to anything from me and I have not been able to get a hold of anyone on the phone. This feels criminal. Are they going to keep charging me interest forever? How can they even charge interest on an account where the entire balance including principal and interest is {$0.00}? Isn't XXXX still XXXX? 

Even if my balance wasn't completely paid off and I wasn't having this issue, it feels criminal that they are not responding to my messages and make it so impossible to get anyone on the phone. They are completely unreachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered an error on my Equifax credit report that was being reported by XXXX XXXX XXXX Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with Equifax directly. My report shows the account was 120 days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, Equifax shows I was 30 days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is 4 months after it ACTUALLY became charged off. Because Equifax was of no help, I wrote to XXXX directly on XX/XX/XXXX. XXXX responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and XXXX 's response. As of today, XXXX has not corrected my credit report and they have continued to verify inaccurate information to Equifax, as I have continued to dispute the account with the credit bureau in the meantime. All in all, XXXX originally reported this inaccurate information, said they would correct it, and have not corrected it. XXXX also has verified inaccurate information to Equifax on multiple occasions regarding the payment history for my account. As a results of XXXX actions, my credit file looks like I became delinquent 4 months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, XXXX reporting of this information does not comply with XXXX XXXX reporting standards for accurate credit reporting. XXXX has violated my legal rights and continues to damage my credit by not taking action.