23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Exeter Finance company is repeatedly resetting the dates on the loan. I have filled complaints but they keep harassing y by manipulating my credit score. They passed the loans to other collections and start the date with a new loan date that expands the length of the loan. Somehow Everytime my loan score goes up it unexplainably drops drastically. It's unfair advantage to connect with the credit bureaus and punish and harass me by dropping my credit score almost everytime it goes up. I'm on social security and I can't pay what they are demanding. I tried to pay them but they demanded I pay at a rate I couldn't afford. When they sold me the car I was on social security.They never notified me that the car was resold.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau XXXX  and told them to remove this inquiry and they're refusing to remove this information.
Product: Debt collection

AMCA is attempting to collect on debt that I never established a contract  with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  AMCA are in violation : Violation of the Fair Credit Reporting Act Viol ation of the Fair Debt Collection Practices Act Defamation of Character an d the HIPPA L AW.
Product: Debt collection

In XXXX of 2021 XXXX made an unauthorized charge to my checking account. I disputed the charge for fear it was fraudulent. My bank saw it fit to reverse the charge and permanently give my money back. XXXX says it was a level up paymet to add money to my XXXX account. I have never authorized such a transaction, when I use XXXX  it draws from my debit card with my bank. I have no need of a XXXX balance. I never authorized the transaction, and I can find no record of authorization. XXXX has been very unclear. I have disputed the charge, I have chatted with a customer rep from XXXX, I have spoken on the phone with a rep as well. I have also emailed XXXX. They have been of no help. All they want is for me to make the payment they could care less that I never authorized the charged. They made an error and they want me to pay for it. They also sent me to third party collections and the collections agency has contacted my parents and spoke to them over the phone about the debt, they also sent a letter to them and they opened it.
Product: Credit card or prepaid card

I received an offer in the mail for a capital one credit offer of 0 % interest for 18 months and {$150.00} after spending {$1000.00}. I filled out the application and was denied this based on one credit score which was lower then my other two. Additionally I was offered a different credit card however. Therefore the company in my belief is baiting and switching me. They are not denying me credit but finding a way to not give the bonus offer solely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated an online dispute on XX/XX/2018 for 6 accounts in collection for reporting inaccurate dates and balances and 4 belonging to the same company that was paid off by my insurance. The dispute results of these accounts were found to be accurate and/or updated. I have verifiable proof to have the accounts on my credit file corrected and deleted. 

1 ) XXXX XXXX XXXX # XXXX This account has been re-aged and is reporting this account a year off of that in which the original creditor XXXX XXXX has on file. 

2 ) XXXX XXXX # XXXX a ) XXXX XXXX # XXXX b ) XXXX XXXX # XXXX c ) XXXX XXXX # XXXX These accounts are reporting on my file when they have been paid off in full by my insurance company as a result of a workplace accident. My insurance company verified this and is sending me the billing summaries as proof that these accounts were paid in full. 

3 ) XXXX XXXX # XXXX Reporting the wrong total balance. I have proof from Urgent Care with the total balance of this account is {$94.00}. I also paid {$15.00} on XX/XX/2018. 

TransUnion has done a very poor job into the investigation of my disputes knowingly allowing inaccuracies to remain on my personal credit report. TransUnion has failed to provide me with a fair dispute and as a result have damaged my credit. I believe TransUnion never even looked into my disputes and allowed these debt buyers to illegally report innacuracies knowing the information they had provided to TransUnion was not truthful, those TransUnion is at fault for not properly investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The folllowing account is being reported inaccurately ... .... 
XXXX XXXX XXXX XXXX {$120.00} The Balance on this account has been paid in full.
Product: Mortgage

My name is XXXX XXXX XXXX. I had a mortgage with XXXX XXXX XXXX XXXX ( " XXXX '' ), which was transferred to Rushmore Loan Management Services ( " Rushmore '' ) in XX/XX/XXXX. XXXX Loan # XXXX. Rushmore Loan # XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 

In late XX/XX/XXXX I fell behind on my mortgage, but knew that I would be able to catch it up in early XX/XX/XXXX. On XX/XX/XXXX, I had the funds on hand and XXXX stated that amount to reinstate, including XX/XX/XXXX 's payment, would be {$8600.00}. I sent {$9000.00} on XX/XX/XXXX, which was received XX/XX/XXXX. On XX/XX/XXXX, the check was returned, stating it was insufficient to reinstate, and the amount was now {$12000.00}. My mortgage payment per month is only {$810.00}, so this increase doesn't make any sense. 

I later learned that XXXX had put homeowner 's insurance on my property, even though I was paying it directly and had provided them with proof that it was current and active. 

By XX/XX/XXXX, I was able to get XXXX to accept payments, but these were listed on the account as " Unapplied '', and I was still charged late fees and penalties. Not including the " unapplied '' that should be subtracted, the past due figure on this statement was {$2400.00}. 

Just after this ( XX/XX/XXXX ), the account was transferred from XXXX to Rushmore. Rushmore sent me a letter about how much total was owed on the loan, but did not have an address for where to send payments. This balance statement included a listing for " Other Charges '' for {$3600.00}, and Rushmore were never able to explain where this figure came from. They stated that the amount to reinstate the loan was now {$6500.00}. An actual billing statement was not sent until XX/XX/XXXX. 

Because I had the money and didn't want to deal with it anymore, I paid Rushmore the {$6500.00} they requested on XX/XX/XXXX. 

When I received the first normal monthly billing statement from Rushmore on XX/XX/XXXX, I saw that they had begun escrowing my real estate tax and that was why the number was higher. I called the local tax collector, who stated that Rushmore had already paid the first two quarters of XX/XX/XXXX taxes, which is why the arrears had increased so much. 

I fell behind again on payments due to the fact that I had put other bills on hold to pay XXXX and Rushmore more than they were owed. So I again sent a check to fully reinstate on XX/XX/XXXX. This check was returned to me, with the reason marked " OTHER, CONTACT CUSTOMER SERVICE ''. I did so, and they don't know why it was returned. 

In the last year and a half, I have paid XXXX {$14000.00} and Rushmore {$12000.00} for a total of {$27000.00}. This is for a mortgage that started at {$810.00} per month, and is now {$890.00}. Even disregarding how many times they have screwed up when I tried to do the right thing, and assuming the higher payment amount, I should have only paid about {$15000.00} in that time. And even with paying almost double what I should have, they say that I am behind and are threatening foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act 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 card or prepaid card

Commenity bank continues to run credit inquiries for retail credit cards. I have contacted them multiple times and told them never to even run my credit because I will never have any of their cards. No matter how many times I've told them any attempt for one of their cards is fraud, they run it anyways. They ran it again today XX/XX/XXXX and attempted to on XX/XX/XXXX. I want it to stop. Also I do not want any cards issued in my name especially on the inquiry from today!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my fiancee and I inquired with XXXX XXXX XXXX  about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries.

In the end, we decided that we will get the mortage under my fiancees name. 
Despite this, a hard pull appeared on my credit report, which I made XXXX XXXX aware of and asked them to correct it. I emailed XXXX XXXX XXXX  to make them aware and they simply ignored it saying they did not pull my credit. 
Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed XXXX XXXX XXXX  to provide an explanation and they only stated that they did not pull it. 
I called experian and they removed the duplicate pull but experian told me that they could not remove the other pull and that XXXX XXXX XXXX  would have to file a dispute. 

I emailed XXXX XXXX XXXX  to do this with no response at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX account XXXX XXXX XXXXXXXXXXXX XXXX  on my credit reports with Experian, XXXX XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : Experian and XXXX : {$7000.00} XXXX : {$6700.00} XXXX Credit XXXX XXXX Experian and XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Status : Experian : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). Was 150 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies.

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Mortgage

On XX/XX/XXXX, I had applied for a cash out refinance loan on a manufactured home. I already had a loan with the lender : New Rez. I completed paperwork, and my loan rep ( yes, I will name names ) - XXXX XXXX was more than happy to communicate with me on the required documentation and appraisal fees which were sent. He was very prompt in his communication with me. An appraiser came in late XXXX to appraise the home which appraised very well. Everything was in order or it seemed. I called on XX/XX/XXXX for a loan status and received no call back, I proceeded to continue to call with no callback and sent emails with no reply for a month and a half. My loan was then with XXXX XXXX ( Jr.Loan Processor ) who also, never called me back to let me know how the loan was progressing, It was not until late XXXX, that I finally made contact with a random rep who informed me my loan was denied. Were they ever going to let me know the loan was denied while I waited for almost two months? It was denied due to : New Rez does not do a cash out refinance on a manufactured home. This information should have been disclosed at the beginning when I called and ASKED. Nothing was disclosed and they knew full well this loan was never going to be approved. However, they were more than happy to take my appraisal money in the amount of {$500.00}. After I paid, I heard nothing. New Rez has in essence, stolen from me and are predatory lenders. I was assured by the random rep that the issue would be escalated, but it is going on two weeks with no reply and the random rep is now ignoring my inquiries. I am at a loss. I am frustrated with calling and being forwarded to rep after rep with no resolution. I don't know who to call or what to do to get my money back. I would hope this would be resolved in good faith, but it seems pretty hopeless now.
Product: Credit reporting or other personal consumer reports

I have a account/ student loan on my credit report for the amount of XXXX from a school XXXX XXXX XXXX XXXX 2021 and the school closed down and I never received and certification or degree from the school and I am trying to get this debt removed from my credit report. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX I am asking can this debt please be removed
Product: Credit card or prepaid card

I had posted at least the minimum payment due to my card for the statements between XXXX XX/XX/2022 and XXXX XX/XX/2022. I made the payments via the automated telephone system using my saved bank account information. Indigo did not properly post my payments to my account, charged me late fees, and reported me delinquent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong info on XXXX XXXX and employment information and hard inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Inconsistency in the reporting of Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Inconsistency in the reporting of Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : Not provided Inconsistency in the reporting of the Monthly Payment : XXXX : {$0.00} XXXX : {$0.00} Equifax : Not provided Inconsistency in the reporting of Payment Status : XXXX : Paid-Off XXXX : Not provided Equifax : Paid-Off XXXX XXXX XXXX  : Inconsistency in the reporting of Credit Limit : XXXX : {$0.00} Equifax : {$500.00} XXXX : {$0.00} XXXXXXXX XXXX  : Inconsistency in the reporting of High Credit : XXXX : {$1000.00} Equifax : {$0.00} XXXX : Not provided Inconsistency in the reporting of Credit Limit : XXXX : {$0.00} Equifax : {$1000.00} XXXX : Not provided XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Inconsistency in the reporting of Date Opened : XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax : Not provided XXXX ( Original Creditor : XXXXXXXX XXXX ) : Inconsistency in the reporting of Date Opened : XXXX : XX/XX/XXXX XXXX XXXX Not provided Equifax : Not provided XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : Inconsistency in the reporting of Date Last Active : XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX Not provided
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was looking at my recent credit report and I have some concerns regarding two charge-off accounts reported by Discover on my credit report. The reported information contains inaccuracies, which violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a comprehensive disclosure of Discovers documentation and procedures supporting the data provided to credit reporting agencies. 

Specifically, I am requesting the following : All Communication and Documentation Between Discover and the Credit Bureaus Provide all records of communication between Discover and the credit reporting agencies relating to my accounts and consumer report, including but not limited to : Emails, letters, reports, and electronic communications Any internal memos or other correspondence concerning my consumer report or disputed items. 
Comprehensive Documentation on Discovers FCRA Compliance Procedures I request all records detailing Discovers procedures for ensuring compliance with FCRA standards, including : Records of training sessions, including attendance logs, training content, and frequency of FCRA-related training Written policies, procedures, or guidelines outlining Discovers approach to ensuring accuracy in consumer reporting Reports or audit findings assessing Discovers adherence to FCRA standards. 
Complete Chain of Title for Both Accounts in Question I am requesting the complete chain of title for both accounts as maintained by Discover, including any account ownership transfers or changes since the accounts ' origination. This does not refer to billing statements but rather to all documents showing the history of account ownership and any transfers. 

Procedures for Resolving Consumer Disputes Related to Consumer Reporting Please provide documentation that outlines Discovers procedures for resolving consumer disputes or complaints, including : Any documents describing policies or steps Discover follows to handle consumer complaints or disputes specifically related to credit reporting accuracy. 
Original Note and Contract with Wet Signature Please provide the original promissory note or any equivalent loan agreement, signed by me with a wet signature, along with the full, unaltered original contract associated with each account in question. 

Under the FCRA, Discover is responsible for ensuring that it furnishes accurate information and that any information disputed by a consumer is verified appropriately. This request serves as an opportunity for Discover to fulfill these obligations by providing documentation that demonstrates compliance with FCRA standards and verifies the accuracy of information currently reported to the credit bureaus. 

Please send the requested documentation to my address listed above within 14 days of receipt I will have no choice but to file the attached arb demand with the American Arbitration Association respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.