23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

my complaint is that the local branch faxed a garnishment-interrogatories and order letter to my job and my check was garnish and I did n't know about it until I had gotten my check. and I feel like my rights were violated because one of my co-workers knew about it and I did n't said he seen it come off the fax machine and I want to know is this proper way it was to be handled. I wanted to call but your office is closed by the time I get off and where I work is too loud so I would really appreciate you guys giving me a feed back as soon as possible.
Product: Money transfer, virtual currency, or money service

The bank company recently switched how consumers are to pay down their line of credit. At first I was locked out of using their new payment system until I agreed to new terms and conditions. The 11 pages of terms of use were confusing and convoluted - So I called in and asked for an explanation which was provided stating that this was only to change their fee schedule and amounts. However on follow up I still wasnt able to make payments down to zero due to the interest nature on this account which previously I had no problem in settling. Now according to this new process it is mandated that I carry a balance with no easy way to settle the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report on Experian against XXXX XXXX XXXX. TITLE 4 Chapter 16 OF THE RCW for Washington State, gives a statute of limitations on written contracts- six years before a debt becomes time barred. In filling my dispute, the agency took 30 days and reduced my score by XXXX points, this is in violation of my rights as a consumer and on fair reporting,
Product: Credit reporting or other personal consumer reports

I informed Experian that they have made errors on my credit report and they have done nothing to fix it, no correspondence, Nothing!

Experian has unlawfully and willfully reported LATE payments and Utilization ( which are transactions and experiences ) to my credit and in accordance with the FCRA : 15 USC 1681a 2 ( A ) ( i ) : Exclusions - Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors Because Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, in light of this I am confused as to why you EXPERIAN are reporting late payments and utilization from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 
As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you EXPERIAN feel that said protection is not mine to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and utilization as well as statements showing that these payments were late, and documentation authorizing you EXPERIAN to report my utilization. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! And Utilization removed! Or remove it from my consumer report altogether.
Product: Checking or savings account

This Company closed my Personal and business bank account I have no idea why and its affecting me from getting new Bank account with any other banks and I would like to resolve this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

Around XX/XX/year> I received a notification from my credit monitoring company that my credit score significantly dropped. Previous to this alert, I had a perfect credit score of XXXX. I'm in the middle of purchasing a home, so this drop in credit ( from XXXX to below XXXX ) impacted my interest rate, which will cost me hundreds of dollars per month in extra interest payments. 

I saw on my report that this was sent to collections from Pro-Collect on behalf of XXXX on XXXX XXXX  in XXXX, FL. However, I do not live in XXXX, FL and have not been there in years. I have never heard or lived in this community. I live in XXXX, have a business in XXXX and have a home that I have owned and lived in for more than 6 years, so the company incorrectly reported my information to collections. I attempted to call the apartment community and they informed me that they do not have any current or past leases in my name, however they refused to provide me with any more details and informed me that I needed to handle directly with Pro-Collect.

Unfortunately, when contacting Pro-Collect, they refused to help me. I informed them that my identity was stolen a few years ago, so I assume that this was due to this. I even informed them that even when filing taxes with the IRS, I have to provide a separate pin just to prove its me because when my identity was stolen, someone completed a false tax return under my name. Pro-Collect still did not want to assist, so this is why I am filing a complaint.

My goal is to make this complaint public as I have the long process of repairing my credit and working on proving that this indeed was identity theft.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Balance Owed : {$2300.00}
Product: Debt collection

This company was sent a cease and desist letter, sent by certified mail and received by their office on Monday, XX/XX/XXXX. Today is Thursday, XX/XX/XXXX and they have started calling again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Michigan XXXX These addresses do not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Vehicle loan or lease

The company acted in a fraudulent manner which caused me to make an uninformed decision. Therefore, I am exercising my right to rescind the credit transaction pursuant to 15 U.S. Code 1635 and 12 CFR 1026.15 - Right of rescission. 

The company did not provide me with adequate disclosures as the Truth in Lending Act requires. The company did not clearly and conspicuously disclose to me the terms for the annual percentage rate and the finance charge and all that it includes. 

The company did not clearly and conspicuously disclose to me the options available to me for insurance or that the insurance is supposed to be included in the finance charge. 

The company did not explain that I had a right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under the Truth in Lending Act. 

The company charged me a down payment which is not a requirement in a consumer credit transaction. 

The company has caused me damages to my family due to omitting and withholding information, and using fraudulent, misleading and deceptive practices to coerce me into entering a fraudulent agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card belonged to my X husband and they are holding me accountable. They are lowering my credit score by posting delinquency. I never signed for this card or had a card or used it. This was his debt and he passed away. Please remove or correct this from my credit report. I called and they will not remove my name. Account # XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.
Product: Credit reporting or other personal consumer reports

I have been communicating with Equifax, XXXX and XXXX to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. Equifax data breach provided my personal information out my credit was hit with a lot of fraud activity.
Product: Credit reporting or other personal consumer reports

My information was used without my permission, I included the documents detailing the accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX and 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
Product: Credit reporting or other personal consumer reports

These companies are reporting late payments on my credit reports for accounts that have been either closed or charged off. Despite my efforts to resolve this matter through direct communication with each of these institutions, they have failed to correct the reporting errors. 

Additionally, I have not received the required IRS Form 1099-C for any canceled debt associated with these accounts. The absence of this form has prevented me from properly addressing the matter on my tax filings. 

Due to their failure to rectify the situation, I have taken the step of reporting these institutions to the IRS for non-compliance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose XXXX XXXX Acct XXXX
Product: Mortgage

In XXXX, I made a complaint against Ocwen Loan Servicing regarding they 're servicing of my loan. There was no resolution to the problem. I hired a lawyer ( {$6000.00} ) in XXXX that said I had a strong case against Ocwen and agreed to sue Ocwen on my behalf. In the end for {$6000.00} the only thing he 'd done was to stop the sale of the house temporarily and get another loan modification. Which after the modification trial period wanted me to agree to a {$30000.00} FHA loan and agree not to sue Ocwen. I did not agree. Ocwen kept me in a state of foreclosure since XXXX. Every month in XXXX I kept recieving delinquency notices. I called Ocwen to make sure the money was being received and was told yes it was being recieved. Then in XX/XX/XXXX, I was told I was so for delinquent they would n't take payments any longer. That 's when I contacted CFPB. There was no resolve to the problem at that time and that 's when I hired XXXX XXXX. In XXXX after I 'd not accepted the offer for the modification my home went back on the court docket for sale. I then hired another lawyer, XXXX XXXX, bankrupcy lawyer, to avoid the sale of my house. I am currently under a chapter XXXX bankrupcy in order to save my house. After years of trying to get information regarding what I actually owe on my home I still do n't have any clear document stating what is owed or what all the fees and fines are for and monthly late fees. Nothing! I have entered into this bankrupcy just to save my home. I have spent {$10000.00} to save my home and Ocwen has not been held accountable for any of what they 're responsible for.
Product: Debt collection

I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.
Product: Credit card

A charge was made on my account on XX/XX/XXXX in the amount of XXXX by the " XXXX XXXX '' which was unauthorized and not made by me. I contacted Chase to report the unauthorized charge immediately. I was informed I would not be responsible for charges not made by me and they would issue a credit while they investigated my dispute. On XX/XX/XXXX I received a letter stating they had completed their investigation and determined that I " received a benefit from this transaction ''. I immediately contacted Chase Fraud Department and spoke with a representative who indicated the account number was manually keyed but an ip address matched what they had on file for online banking. I requested this information be sent to me and Chase declined stating it was confidential information. I have attached the letter received from Chase as well as a record of my ip address which I obtained from the website ipaddress.my which gives detailed information. As Chase has not provided me with any of the relevant information I requested which shows my identifying information, I am unable to further verify any of what they are saying. I often do work from remote locations and use public wi-fi hotspots and have accessed Chase online from different locations. However, in no uncertain terms did I make the purchase in question and find it unfathomable that I should be required to pay for something I didn't purchase.
Product: Checking or savings account

I enrolled in a promotion with Citibank. I upheld my part of the bargain, but they have not upheld theirs. They are refusing to credit me XXXX XXXX XXXX miles I am due for participating in this promotion. See attached letter, it explain everything, as well as supporting documents.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Product: Credit card

I have been a Capital One customer for quite sometime using their Venture Rewards card which advertises points earned which can be transferred to Frequent flyer programs. Recently I wanted to transfer to a program which I have transferred to many times. I needed a last minute plane ticket and this would save me {$500.00}. The website wanted to send me a SMS for verification. It would NOT send the SMS. I was asked to call. I talked for two hours to many incompetent people. Nobody knew what to do. One person told me that you can not transfer. your points, and only turn them into a measly bill credit. It was very frustrating. At the end of the day I have no way to redeem the points I earned. Capital One customer service is useless and outsourced to people who read a script. I would like to of course cancel my card as I can not trust my finances with such a useless bank. I am left with a point balance I want to use as advertised.
Product: Credit reporting or other personal consumer reports

This is a follow up complaint against Equifax reporting an alleged collection account from XXXX XXXX XXXX XXXX against me on my Equifax credit profile. I looked up XXXX XXXX XXXX XXXX XXXX on the XXXX and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and XXXX to take a look at. XXXX XXXX XXXX isn't licensed anywhere from where I can see to conduct business collecting in the State of Minnesota. It is my point of view that violations against the Fair Credit Reporting Act ( FCRA ) have been committed by Equifax for letting this report against me. I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.
Product: Credit reporting

Hi, I have a vehicle loan from XXXX XXXX XXXX and last year I was late on one payment mostly because I used to pay my vehicle loan bill with my mortgage and I had refinanced my mortgage and I did n't have to pay that month. Unfortunately I totally forgot about my XXXX XXXX XXXX bill. But as soon as I realized that I paid the bill for the last month and the current month. I was n't notified by XXXX and I had paid the bill before I got their call. On call they said that they will be reporting it to Credit agencies as it was past 30 days. I said it 's fine and I assumed that it will probably be a minor hit as it was one missed payment in 3 years since my loan began and probably the only missed payment since I started paying bills. But I had no clue that my credit score will go down from XXXX to XXXX. Next month we decide to buy a new home and applied for the pre approval. I was shocked to find out what my credit score was. Based on the credit score and just one missed payment, I was being offer a much higher loan rate but I was told that it will be fine by the time we purchase the house as it was still XXXX months away. I was also advised to talk to XXXX XXXX XXXX to see if they could resolve it with credit agencies. I called XXXX XXXX XXXX XXXX times and they never resolved it. On my last call with them, they asked me to raise a complaint with all three credit agencies and they said once credit agencies follow up with them, they will resolve the issue. I went to all three credit agencies and opened the dispute. But I have never heard from them and my FICO score as of today stands at XXXX. And this is all because of one missed payment in 10 years. Since then I have paid all my bills on time and it 's been almost 9 months since I missed the payment. But the credit score is where it was. Now it 's time to close my new home and I had to settle on higher interest rate because my FICO score is low i.e. XXXX. This does n't sound right to me.