23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am getting tired of this. Our house is underwater, and has been for quite some time. We 've had the house on the market for over a year. We finally received an offer 6 months ago and the bank is still playing games with the buyers. They went out and got a VA appraisal which came in at {$420000.00}. They made an offer of {$400000.00}. The bank has finally come down to {$430000.00}, to which our buyers counter offered {$410000.00}. At this point they are very close to the VA appraisal, but Chase will not work with these buyers or this appraisal. Chase has been playing around with this for 6 months now totally disregarding the appraisals. All we want Chase to do is to take the VA appraisal into account and work to sell the house.
Product: Debt collection

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is Central Mediation Services. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX,, NY XXXX, ( XXXX ) XXXX. On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with Mr. XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. ( I had requested that Mr. XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2. Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by  local law ) The creditor The creditors attorney The debt collectors attorney ( Mr. XXXX told my business partner the specific details of my debt ) 3. A  debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. ( I received 4 missed phone calls from Mr. XXXX in a 10 minute period from XXXX XXXX MT XXXX XXXX  MT ) 4. 
Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( Mr. XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions via mail, Equifax consistently responds in writing within 30 days that the account is accurate with providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are not accurate XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX I want to formally request as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I have filed a Police report with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX    XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Checking or savings account

I opened an Accelerate Savings account to store funds while shopping for a new home. Upon going to withdraw these funds, Citi refused to transfer them. They cited a $ XXXXmo withdrawal limit - at no point during the opening or funding of the account was I notified of this limit. With this policy in place it would have taken over a year to access the full account balance. I believe this policy was implemented in bad faith, to force me to maintain a balance in the account against my wishes. 

Upon discussion with a Citi representative, they told me that the only way to immediately access my funds was to temporarily open a Citi Interest Checking account which would allow me to wire the balance to my primary bank for a {$17.00} fee. This account requires a $ XXXX  minimum balance, and has a $ XXXX  monthly servicing fee. 

After many hours on the phone with Citi representatives and hold times that seem intent on making callers give up, I was able to transfer my funds. I contacted Citi again to close the checking account but was told that because the account was less than 30 days old, they could not close it. Upon opening the account, I was told by the Citi representative that only needed to have it open to complete the wire transfer and could then close it again. The representatives refused to escalate to someone who could and suggested I call back after the account was open for 30 days. Again, it seems that this policy is enacted in bad faith - if the account remains open without the minimum balance, I will be charged account servicing fees.
Product: Debt collection

On XX/XX/year>, they put in my credit report a debt of {$1300.00} by the company Consumer Adjustment Co, which I do not recognize and have not communicated with me affecting my credit score..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Our complain is about PayPal. Our money has been on hold bu 180 Days and now it is time to get out money however, we see on our account that, PayPal has taken our balance and transferred to their system by indicating that we caused them a damage as per their Acceptable Use Policy Violation. 
However, this policy includes seeling the prohibted items : including, gambling, drugs, smokes, or other illegal items however we are a gadget store and we sell phone cases, and some car holders along with other electronic accessories. We can prove that by showing each single transaction on paypal which shows the name of items as well. 
We strongly believe that, PayPal has made a big mistake and have taken our money from our account at the time of release date. 
We urgently need this problem to be fixed
Product: Credit reporting or other personal consumer reports

this inquires no mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I had a credit card of TD Bank. They are not supposed to charge fee. I do not use it. They charged {$25.00} fee. I never got a statement about that fee. We had changed address at the TD Bank when we moved a new address. I found out that when you changed home address at the bank, they fail to change your address for the credit cards. They say that credit cards department is different. I did not know they chargef {$25.00}. Then every following month they started charging {$37.00} late fee. I accidentally visited the bank and asked them why I never get a statement for my credit card. Since I do not use it, I got schocked. They asked me to pay {$170.00}. Then they said if I paid {$100.00}, the problem will be solved. I paid it the stop the problem at the moment. I now check my account that they still ask me to pay {$73.00}. 
They could have taken that illegal {$25.00} fee from my checking account, or they could charge a reasonable interest. But they chose charging {$37.00} following months. When I checkef my credit score, I noticed that is is lowered from 750 to 530.
Product: Vehicle loan or lease

XXXX is reporting me as 30 days late in XX/XX/2020 which is not correct. I thought I was given a deferment due to COVID-19 and that I couldn't be marked as late. Please help me fix this and get it off my credit report.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

LexisNexis has duplicate information on the report. 

They provided a scoring system to XXXX XXXX that intentionally makes customers look negative so that the rates can be raised. 

For example in my case the scoring model was XXXX,XXXX.and XXXX. I have been a customer of XXXX XXXX for 10 years. The only claim I had recently was due to a Natural Disaster, Hurricane Irma, which XXXX XXXX did not pay everything. 

I had to get SBA Loan to cover the difference which I am still paying. 

the criteria that LexisNexis provided was 1 ) XXXX  - Too Many Active accounts - this is ridiculous. They do not even look at your payment record. There are 68 accounts of which 42 are Active and the others are clsoed. Most have XXXX balances ( 7 % Credit Usage ) and the others are pd and closed with no late payments. 
2 ) XXXX - Bad Debt - there are duplicate accounts that were included in Bankruptcy Chapter XXXX and they refused to fix the erroneous data that were included in chapter XXXX back in XXXX did XX/XX/XXXX - It has been almost 5 years since the discharge and now 5 years after the bankruptcy they report bad info to insurance and insurance is raising rates negatively affecting me by {$2000.00}. 
3 ) XXXX  - Accounts open in 24 months - This is working towards rebuilding my credit after my illness and the insurance company based on the LexisNexis report raised my insurance almost all of these accounts have XXXX balances.
Product: Mortgage

XX/XX/year> Associated Bank used abusive, unfair, or deceptive practices attempting to collect debt from me. I had to spend thousands of dollars on attorney fees defending this deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for .....

Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to a unauthorized account from XXXXXXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX ) I have never had a XXXX account for cable or internet. Someone has use my name and information to open up an account. I am disputing this under the FCRA XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts that I disputed over a year ago. They are ( XXXX XXXX XXXX -XXXX XXXX ( There are two of these same company different debts ) and finally XXXX XXXX ) The XXXX XXXX both say that consumer meets the criteria to have dropped off my report. Its not. It also shows even though there closed and owing {$0.00} there marked as bad debts. One is listed for {$4000.00} it says it was opened on XX/XX/XXXX however it says date reported was XX/XX/XXXX.?? If this was just recently reported why and how did I dispute over a year ago. I wouldnt have disputed if I didnt know it was listed.? Also XXXX XXXX consistently called myself and girlfriend everyday from XXXX - XX/XX/XXXX while at work and we repeatly asked them to stop calling during work hours they didnt until we finally disputed it. The last two XXXX XXXX and XXXX XXXX are both also showing they were recently reported the first mentioned XX/XX/XXXX and opened on XX/XX/XXXX {$340.00} and it was disputed and at one time dropped now its saying its never been disputed and showing {$0.00} payment or owed and yet listed the amount as a open bad debt? Same scenario with the second {$58.00} reported on XX/XX/XXXX and opened on XX/XX/XXXX says its open and not disputed. The files Im uploading it says their open active placed for collection and yet these are collection companies who originally bought debt and was disputed and found in my favor before another debt collector bought it. I know in under the FCRA when a collection company does buy a debt of a person they have paid bill. My contract was never agreed to with a collection company which makes it null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Debt collection

This is not my acounts and not my address they dont want to change them have call many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 credit accounts that mysteriously went over to Synchrony. Naming 3, HSN, QVC, and XXXX XXXX. I just got an alert from XXXX that one of my credit lines have been reduced. It was XXXX 's. My credit line went from {$2600.00} to {$1000.00}. They run periodic credit checks and adjust your credit limit according to your XXXX score. My XXXX 's balance was {$1000.00}. Now my credit report will show a maxed out credit card, plus over limit. Unreal!!! They did this to all 5 accounts. I contacted all the companies and told them, by switching to Synchrony, you are losing a customer. All 5 did not care. XXXX XXXX was fine until I refinanced a vehicle, It dropped my score from XXXX to XXXX. I have XXXX years of perfect credit history, but that doesn't account for much anymore. Synchrony iis damaging my credit standing.I had no adverse reports on my credit standing... 
SYNCHRONY 's Response : Our Bank reserves the right to periodically check the credit history of our customers, and to adjust the credit line, or possibly close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months I am disputing a several collections items from my credit report from the same company and never got any validation from the collections agency plus they are adding fees each month for a medical bill, they even reporting all the accounts as past due ( violation of fdcpa )
Product: Debt collection

My credit was ruined out of nowhere from a bill that I never received or had any knowledge of. It was in collections on my report before I even knew the claim they made. If I knew that I was enrolled in classes I would have withdrawn because I didn't live in XXXX county. The school never sent me one bill or any mail making me aware of the fraudulent enrollment. They claim the bill is valid, but have no way to prove it was me that signed up. My kids could starve because times are hard and they stole my credit.