23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I scheduled an appointment with XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX, during which payment arrangements were finalized. I paid {$72.00} to Sunbit, a financing company affiliated with XXXX XXXX, with payments scheduled for future dates, beginning on XX/XX/XXXX and continuing monthly thereafter. 

Subsequently, I cancelled the appointment, prompting XXXX XXXX to refund me {$150.00} and to contact Sunbit to terminate the loan due to the absence of services rendered. Despite reaching out to XXXX XXXX on multiple occasions, including a visit to their office during the week of XX/XX/XXXX, I have not received any updates or callbacks regarding the resolution of this matter, which has now extended beyond a month. 

Upon contacting Sunbit, I was informed that XXXX XXXX must initiate the cancellation process for the agreement to be terminated and the refund to be processed. 

Expressing my concerns to the receptionist at XXXX XXXX, I highlighted the distress caused by receiving collection calls from both XXXX XXXX and Sunbit for a service that was neither utilized nor received. I emphasized the potential impact on my credit score and conveyed my frustration at the perceived mishandling of funds by XXXX XXXX and Sunbit. Urgent resolution of this issue is imperative to prevent any adverse effects on my credit standing. 

Sunbit AgreemenXXXX : XXXX Merchant : XXXX XXXX XXXX  Purchase Date : XX/XX/year> Thank you
Product: Credit reporting or other personal consumer reports

The late payments reported on my account are inaccurate on all three credit bureaus reports. 15 U.S.C. 1681i ( FCRA ) this company failed to properly investigate or remove the inaccurate late payment.
Product: Debt collection

This began when I opened my account on XX/XX/2022 and my right to privacy was violated. I never consented to share my non public information. This is considered to be aggravated identity theft under 18 U.S. Code 1028A and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) by BANK OF AMERICA sharing my non public information under false pretensions. 

Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. And the debt collector has not been able to validate the debt per my dispute and request to validate the debt according to FDCPA laws per 1692g
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. The law clearly states from date of adjudication or date of order of relief. A Dismissed Case will never have a " date of Adjudication '' or " Order of Relief ''. Experian is in violation of the law and must immediately remove this information. 

Considering that this does not require an investigation, I would appreciate Experian removing all dismissed Bankruptcies within 14 calendar days from receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union in inquiry server problems created reinsert inquiries without my knowledge. <P/>Inquiries : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my lawyer has been disputing a false inquiry which reported on all three credit reporting agencies all but TransUnion has removed this error.
Product: Checking or savings account

We were trying to access our B of A account to see statements, but there was a message saying " your account is locked up, do not attempt turn off the screen... ( there was a repeated message to call ( XXXX ) XXXX to unlock the computer. When we called the number, a person ( name : XXXX XXXX XXXX said he can help us with the problem. He informed us that some people are trying to hack our bank account from XXXX, XXXX and XXXX. But the person appeared to be from XXXX. He was able to get our credit card number. Later, he asked us to go to XXXX and as soon as we get to the parking lot he will tell us what to do. At the XXXX parking lot he told us to buy a gift card. This is when we suspected this person is a scammer. 
We then proceeded to the B of A Branch in our area and told them the incident. The bank cancelled our credit card and debit card and will send us another on.
Product: Credit reporting

Experian is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to XXXX for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. I AM ATTACHING MY BANKRUPTCY PAPERWORK AND EXPERIAN SHOULD KNOW XXXX COULD NOT BE REPORTING ON ME EVEN IF IT WAS CORRECT, WHICH IT IS NOT!
Product: Checking or savings account

I review my credit report daily. I checked my credit report with XXXX where I have a fraud alert placed on my file. I found an inquiry was accepted by XXXX from JP Morgan Chase. There was also a bank account opened in my name as a result of this transaction. The first name on this account was XXXX XXXX and obvious error in the misspelling of my first name. I have never applied for nor authorized my social security number nor personal information to be used by JP Morgan Chase. I called the bank phone number XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/XXXX and was transferred to a wrong department and this department then transferred me somewhere where I sat in silence for XXXX minutes. I could not speak to anyone who would help me resolve my issue.
Product: Credit reporting or other personal consumer reports

I read my consumer report and I noticed personal information that shouldn't ' be visible. I called the credit reporting agencies and let them know the information included in the documents attached are not to be visible. I have never given written consent to report at anytime.
Product: Debt collection

I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with CAVALRY PORTFOLIO SERVICE. This Catastrophic error and negligence on behalf of CAVALRY PORTFOLIO SERVICE is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.
Product: Mortgage

Two years in a row this CMG financial had estimated our escrow wrong. The 1st year for XXXX they were {$250.00} dollars off and it raised our payment {$41.00} a month for a year. The second year for XXXX they are off by {$940.00} that will raise our already raised mortgage payment to {$3500.00} ( it was XXXX with the previous raise for XX/XX/XXXX ) our payments started off at {$3300.00} for XXXX. They cant seem to estimate correctly and now are about {$1000.00} off and this isnt okay. They say its on us. Its not okay they cant use a calculator let alone account for increases 2 yrs in a row and then want to just keep jumping our payment up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX
Product: Mortgage

I just received a new loan through LoanDepot. I 'm having trouble setting up an online account, as I want to pay beyond my minimum but i want to make sure I can set it up as additional principle. 

The web site wo n't let me register for an online account, and there is no phone number to talk to anyone directly. I emailed, and I got a response they needed more information - I do n't feel very comfortable sending my loan # and last XXXX of a social over email, but they wo n't communicate with me unless I do so. I 'm told 24 hour turn around. 

1 week later, I get an apology email for +24 hours to communicate, and then a " You can talk to us better if you click on email account rep in your loan account. '' But I ca n't get online. How do I communicate with a bank that communicates only online if I can not get online? 

I 'd love for mortgages to be like ANY other industry, where I can take my business elsewhere, if they 'll have me. I have perfect credit, I pay on time, and now I 'm stuck with this loan company? I do n't even know how to move forward with them. I obviously paid my first month through checking, but I like being sure my payments were received well before my payment date.
Product: Debt collection

This is for a hospital stay in XXXX Wy This bill was paid by The VA to XXXX XXXX XXXX. It should no be in Collections to me, The VA states that the agreed payment to The Hospital was agreed upon by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
. 1XXXX XXXX ( Bank ). XX/XX/XXXX 2XXXX XXXX ( finance ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a home loan and was told by the bank Rushmore Loan Management services was reporting that my mortgage was still open and I was over 120+ days past due. I have never paid my mortgage late. Rushmore loan serviced my loan from XXXX until XX/XX/XXXX. They sold/transferred my loan in XX/XX/XXXX. I filed a dispute with the credit bureau and received an email telling me the dispute was resolved in my favor. I figured I would wait a few months and then followup with the bank to allow time for my credit score to reflect the changes. Fast forward to XX/XX/XXXX, the bank told me that my XXXX report is showing XXXX reporting a 90+ days late payment in XXXX of XXXX. I paid to have my credit pulled to see the XXXX report myself and sure enough it is there and it is also showing on credit karma as a 90 day late payment in XX/XX/XXXX. I am assuming somehow that month was overlooked by Rushmore? I contacted XXXX and was told they only report information that they receive directly from XXXX and cnnot edit information on the report. I contacted XXXX and I was told there is nothing to dispute. I contacted Rushmore loan services and was told they would look into the issue. Then I received a letter in the mail that states " Rushmore loans services does not grant courtesy credit corrections. Our records indicate that the loan is reporting accurately and no correction is required. '' This negative payment history is affecting my XXXX credit score and my XXXX score which is inturn increasing my interest rate. Please see the attached documents pgs 136-138 shows negative payments marks under XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized used on a Cabelas credit card, the owner of this card asked that I be removed as an authorized user and told the owner that they would update all 3 credit reports. This has not been done and this is still being shown on my credit report
Product: Debt collection

This company LAW OFFICES MBA A.K.A Mitchell D. Bluhm and Associates, fraudulently has been trying to collect funds from me. They put me in collections with the credit bureaus. I have never done business with or have ever had any relationship with this company. Quick XXXX search of their company and I can see multiple people have been scammed by this company and are going through the same situation. There illegal activity must be stop once and for all. I have an FTC report filed that you will find attached to this complaint. My account number and amount that is fraudulently being reported owed is listed below as well as in the attached documents. 

FTC Report Number : XXXX Agency name : LAW OFFICES MBA / Mitchell D. Bluhm and Associates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOBXXXX Experian Legal Department XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries I hope this message finds you well. I am writing to formally dispute several unauthorized credit inquiries on my credit report. This dispute is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), and I respectfully request that you take immediate action to investigate and resolve the matter. 

Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) I have the right to dispute any inaccurate or incomplete information on my credit report. These inquiries are unauthorized and should be considered erroneous. I kindly request that you investigate the disputed inquiries and provide me with a resolution. 

Section 609 ( 15 U.S.C. 1681g ) Under this section, I have the right to access all information contained in my credit report, including the inquiries that have been made. After reviewing my report, I have identified the inquiries listed above as unauthorized. 

Section 604 ( 15 U.S.C. 1681b ) This section details the permissible purposes for which a consumer report can be accessed. I did not authorize any entity to make these inquiries, and there appears to be no permissible purpose for their inclusion in my credit report. 

Additionally, pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ), it is well-established that the FCRA requires strict compliance with the permissible purposes for credit inquiries. Unauthorized access to credit reports is a clear violation of this provision, and any inquiries that do not meet the criteria of section 604 must be removed. 

Furthermore, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) reinforces the responsibility of credit reporting agencies to remove unauthorized inquiries, as they have a duty to ensure that their reports are accurate and comply with the permissible purposes under the FCRA.
Product: Credit reporting

account reported as discharged through bankruptcy chapterXXXX but actual the status comment should say paid, closed/never late
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM ( XXXX XXXX  XXXX BANK XXXX A ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX 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: Debt collection

My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report 15 USC 1692 ( a ) The abusive debt collection practices contribute to the number of bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS OF INDIVIDUAL PRIVACY.

15 USC 1692B Acquisition of location information any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- *Identify themselves *NOT STATE THAT SUCH CONSUMER OWES ANY DEBT *NOT COMMUNICATE BY POST CARD *NOT USE ANY LANGUAGE OR SYMBOL ON ANY ENVELOPE OF IN THE CONTENTS OF ANY COMMUNICATION EFFECTED BY THE MAILS OR TELEGRAM THAT INDICATES THAT THE DEBT COLLECTOR IS IN THE DEBT COLLECTION BUSINESS OR THAT THE COLLECTION RELATES TO THE COLLECTION OF ANY DEBT
Product: Prepaid card

Wont show my balance or let me use the card, brand new never opened, have reached out many times and transferred to a department where they hang up on me while im on hold, crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft, multiple fraudulent accounts
Product: Credit card

On XX/XX/XXXX I attempted to pay my Chase Credit Card in person at the XXXX XXXX location in XXXX, GA. The woman behind the counter could not process the payment. She stated she didn't know why the payment would not process and referred me to the customer service number. I called the the customer service number and was on hold for 1 hour and 6 minutes before the call was answered. I explained to the rep that the bill was not yet do but I was leaving the country on Saturday XX/XX/XXXX and would be out of the country for a month without the ability to contact the bank. She processed a payment. On Friday morning XX/XX/XXXX, I checked my account to verify the payment was made to my surprise and dismay the on-line said my ACCOUNT WAS CLOSED. I had no notification of why BOTH of my credit cards were closed. I immediately called the customer service number. They said that a letter was in the mail and they had no further information. I then went to the XXXX XXXX XXXX office to speak to a rep in person and get an explanation. She personally called the customer rep number and was advised there was no info to be given, a letter was sent via snail mail. Obviously, I won't get the letter before I left on Saturday, XX/XX/XXXX for my trip out of the country. This closure of two credit cards left me without card to use while I was out of the country. I had one of these cards since XXXX ( 28 years ) without a non payment or any penalties. When I returned I received a form letter telling my accounts were closed but without a reason. I called the company and they could not provide a reason. Because of these closures for no given reason my credit score has dropped XXXX points. I need an explanation. Thank-you.
Product: Debt collection

LVNV Funding LLChas opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX
Product: Credit reporting

I tried to login and get my free credit report and got the run around. 
Experian Denied me access. Said I already recieved one which is wrong. See attached file. 
Equifax stated " online delivery is unavailable '' which is a lie other wise why would the second window say " return to your report ''. Razzel dazzle. See XXXX attached screen captures. 
XXXX said " Credit report Unavailable '' for some reason. 
Tried to obtain reports on XXXX separate days so bogus excuses. 
Everything points to them trying to boost earning on my back. 
I obtained a report in 2012 but not now. 
All XXXX reporting agencies did not give me a report online. I have gotten one in 2012 but now they have made the system not give you a report and want me to pay them money. 
I am very unhappy with them and believe they should be shut down.