23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.
Product: Credit card or prepaid card

I paid the full amount due on the card on XXXX at my bank it was electronic transferred to Bank of America on XXXX my due date was XXXX they are charging me interest and late charges now they say they go bay the posting date. I said my statement say 's XXXX nothing about a posting date I think if they are going by the posting date it should say so on the bill I called them could not get it change If this procedure is correct someone should notify me in advance Thank you
Product: Debt collection

I keep receiving phone calls from Credit Corp Solutions. They either hang up, or ask for " XXXX. '' The most recent phone calls were on Friday, XX/XX/2019, and Wednesday, XX/XX/2019. I have told them repeatedly to remove my phone number and to stop calling me, but this has not been done.
Product: Mortgage

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted a lawful, XXXX-compliant debt validation request to US Bank Home Mortgage , seeking proof of standing, origination, and compliance with federal and commercial law. This included : The original promissory note.

GAAP-compliant accounting ledger.

Proof of ownership and transfer of the debt. 
XXXX Bank responded on XX/XX/XXXX, after the statutory XXXX deadline, with boilerplate documents that failed to address the requested information. 
To provide US Bank another opportunity to comply, a second validation request was sent to their legal department on XX/XX/XXXX, received on XX/XX/XXXX, and went unanswered. 
On XX/XX/XXXX, the Trust issued a cancellation notice due to non-validation under applicable laws, including the FDCPA, TILA, and XXXX. Despite receiving this notice via certified mail on XX/XX/XXXX, XXXX Bank continues to : Assert claims of a balance owed on an invalidated account. 
Report the account to credit bureaus as active, despite the obligation being lawfully canceled. 
These actions constitute violations of : FDCPA and TILA for failing to validate the debt and misrepresenting the account.

FCRA for inaccurate credit reporting.

UCC Article 9 for failing to prove standing and asserting rights over the secured property.

Constitutional Protections under the Fifth and Fourteenth Amendments by infringing on the Trust 's property rights and due process. 
This matter has also been escalated to the FTC ( Complaint # XXXX ) for fraud and negligent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX
Product: Debt collection

In XX/XX/2021, XXXX XXXX made an offer by phone to purchase my XXXX XXXX XXXX XXXX. I requested an email confirmation. Several days passed no confirmation. After a week or so, I received a call wondering where their XXXX was. From the time we first spoke to the XXXX call, XXXX jumped in value. I assume it jumped XXXX XXXXXXXX since that is the disputed amount. XXXX XXXX did not make any form of payment for the XXXX. I did not send a XXXX. Because they did not confirm or pay, I considered the deal voided. They filed a collection report on my credit report. I demand that it be removed. There was no deal.
Product: Credit card

I opened this account many years ago to help me and my family use the AAdvantage  benefits that were advertised for this card. I've held the card for a number of years and enjoyed the many benefits while paying the significant annual fees. In XXXX of 2024, I experienced a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since that time, my family has remained close, and we no longer had use for the AA XXXX XXXX  benefits. I know that my medical needs got in the way of canceling the account in the appropriate timeframe, but none of us have used the benefits of the card since the last membership fee was billed. My husband is now my sole care provider and has no time to address bills that we closed out months ago. Due to my ongoing medical expenses we don't have the resources to pay this balance, and Citibank refuses to refund it. The only balance owed is for fees to obtain the benefits that no one has used. Please refund my fee balance and remove the delinquency caused by this fee-only balance.
Product: Debt collection

XXXX XXXX XXXX called repeatedly, 7 days a week, from XXXX XXXX - XXXX XXXX, they block their phone number. Ive received over 30 calls from them in one day. Ive had a voicemail from them left after calling from an anonymous number threatening me and telling me that myself or my attorney must contact them today or she would be forced to place action against me that would impact me directly. I feel threatened by the company. Her return phone she left on the voicemail is XXXX ext XXXX
Product: Debt collection

Received a call from Forward Recovery Movement claiming I owed a debt to PAYDAY LOAN for {$500.00}. Asked for number or address to send letter of validation request. Told no need he could request for me. Received letter of verification in the mail today onXX/XX/XXXX18. The letter was datedXX/XX/XXXX but postmarked untilXX/XX/2018. Called to request phone number again to send letter of validation was told I had already received. I stated not then is to validate my debt as I do not believe I owe. Was told it was not their responsibility to help me settle my affairs and I had the information. I explained it did not have even contact information for the creditor. Sent formal letter of validation today to address on letter received.
Product: Debt collection

Halsted Financial services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.
Product: Credit reporting or other personal consumer reports

Stated in the letter, I do not recognize the company or ever having an account with them. I let them know they were reporting inaccurate information on my credit report. I asked them to provide all documentation used to identify me as the consumer for which they are accusing owes this debt by supplying : Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i . I have not received any information from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

This was regarding a XXXX - XXXX XXXX loan which was opened on XX/XX/XXXX and was paid regularly and prematurely in XXXX. Subsequently due to the error of the company sending me the final pay off amount at the wrong address and other delay, they charged me late fees for XXXX $ times two for total amount of XXXX XXXX I contacted the company and they agreed to remove this from the credit report and still it has not been removed XXXX  and it shows as charge off account.This has severely affected my credit history. 
I can be reached at XXXX. 

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

I have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the XXXX investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted XXXX to ask for a loan extension to move the next 2 payments to the end of our loan. XXXX has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. XXXX  also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, XXXX  began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an XXXX attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to XXXX; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.
Product: Student loan

OnXX/XX/18, I applied for a student loan at XXXX. I was immediately approved, with a cosigner ( my brother ) at rates that varied between 7.8 % and 8.8, depending upon my repayment terms. 

I was told by my school, online websites, and the Consumer Financial Protection Bureau, to shop around and compare student loans, so over the next two days, I applied for 3 more student loans in order to compare rates with XXXX XXXX. 

When I realized that the original XXXX XXXX loan was the best rate, as compared to the comparing loans I applied for, and were approved for, I went back and completed the loan documents again at XXXX XXXX. My approved interest rate on the second XXXX XXXX application was 10.2 % to 11.2 %. 

When I called XXXX XXXX, and explained that I wanted to original interest rate I was quoted on XX/XX/XXXX, I was told that my " shopping around for the best rate '' actually impacted my, and my cosigners, credit score and I would not qualify for the original rate they offered me. 

None of my ( or my cosigner 's ) financial circumstances have changed in two days. I should be able to obtain the original loan terms that were offered to me. Students should not be told to shop for the best rate, when this practice will only increase their rate with every comparison.
Product: Debt collection

On XX/XX/2017 I received a call ( first contact ) from IC Systems on behalf of XXXX. They provided incorrect information about my cancellation date and associated charges. On XXXX I submitted a formal written dispute, including proof that their information was false and requested that the debt be verified. The letter was sent via registered mail and received on XX/XX/2017. I did not receive any response. Instead they reported and unverified delinquency to the credit Bureau and violated my fair credit reporting rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MORTGAGE SERVI EQUIFAX MTG XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter in the mail from Allied International Credit Corp on XXXX/XXXX/2016. The letter states that XXXX has turned over a debt of {$93.00} to them for collection. I do not have an XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been disputing these accounts for over a year that don't belong to me. 

XXXX XXXX {$230.00} opened XX/XX/ XXXX XXXX XXXX
Product: Debt collection

I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me.
Product: Debt collection

I purchased a few items on XXXX and paid for them. XXXX has now sent it to a collections agency and are having then extort me for more money.
Product: Debt collection

I previously had a credit limit of {$500.00} at Chase, but after losing my job, I wasn't able to pay off my debt. Now, I owe {$700.00}. It's been XXXX  years, and it's still showing as a collection and charge-off on my credit summary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I have a Visa Card issued by Bank Of America. I recently noticed they are charging my balance with the highest interest rate for Cash Advances. The problem is I have never made a Cash Advance on this card. I called the bank and they looked back of charges for the past 7 years and didn't find any but since they can't go back any further basically said " too bad '' Just out of curiosity, looked at another statement from this bank and they are doing it on this one too. Again, I have never made a cash advance on any card in my life! Thanks for any help you can give me. XX/XX/2020, charging cash advance interest on purchases {$8000.00}
Product: Vehicle loan or lease

NFCU has repeatedly given me the wrong information regarding my payments and late fees on my account to the point where I have incurred a ding on my credit report due to erroneous payment information given. I am unable to login into my account due to software issues on there system and this issue has been noted on my account. I continue to make my payments by phone so I rely on their customer service to give me the correct information. The latest being I paid {$200.00} in late fees only to find out that instead of them processing the payments on for the late fees they processed payment for principle balance. The promissory note states that if you are in default all charges, which includes late fees become due. They are being deceitful because they want me to continue paying interest on late fees that have already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report o this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
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 U.S.C 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, 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 7 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

XXXX thru XXXX Amounts : XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX {$6900.00}. Action steps taken : I have called XXXX and have been placed on hold for over an hour and transferred to another department with a wait of another hour, then transferred again to the credit department. They sound proactive and have given me a letter, but it does not affect the credit reporting. This has affected me purchasing a home, and it is creating so much stress that its affecting my health. I have talked to the credit bureaus and filed a dispute, which pushes everything Im trying to do back 30 days and can result in me losing my home.
Product: Credit reporting

There is XXXX hard hits on my credit file that I did not authorize. I did not request the compan 's to pull my files. I disputed this with equfax they state they looked into it but that it 's public record so it remains. I contacted the companies and there response has been thay do not have any info on it but it might or might not have been done but it 's equfax that reporting it so it 's equfax I have to deal with. Equfax refuses to do anything about the matter and because it 's on my credit file it hurts my credit rating. They are playing games and Equfax can not prove that I requested credit from these company 's.