23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT MY PERSONAL INFORMATION IS EXPOSED ON THE BLACK MARKET AS WELL AS A SECURITY BREACH. 

XXXX IS XXXX ACCOUNT OF XXXX OTHERS DISPUTED ON MY CREDIT FILE AND IS CONTINUOUSLY REAPPEARING ON MY CREDIT FILE. 

THIS ACCOUNT WAS REMOVED XX/XX/XXXX I RECEIVED THE RESULTS OF THE REMOVAL THEN ON XX/XX/XXXX I RECEIVED A NOTIFICATION THAT THIS ACCOUNT WAS CHARGED OFF AND THE ACCOUNT WAS CLOSED XX/XX/XXXX. THIS INFORMATION BEING REPORTED IS INACCURATE. THIS ACCOUNT IS NOT MINE
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I submitted a REVOKE ACH request for my bank account and debit card in XX/XX/XXXX, the payday loan company confirmed receipt and said I would need to make other arrangements to pay the loan. I have been unable to make payments due to my spouse losing his job due to COVID. They took it upon themselves to take {$230.00} out of my account on XX/XX/XXXX via electronic check, stating that I authorized it. I NEVER authorized this and my ACH revocation is on file ( see attached ). I was also given the option to call to make payments. They are refusing to do anything about this. I will now most likely have to close my XXXX account that I have had for 10+ years. 

In addition, the payment agreement on the terms shows an amount due of {$230.00} for XX/XX/XXXX, not the {$230.00} that was deducted by an e-check ( that I didn't authorize ). I have reported this to XXXX and they are investigating it as well.
Product: Debt collection

in XXXX  i was in and out of inpatient and outpatient XXXX XXXX while away my ex-girlfriend and her new boyfriend stole all of my credit cards and maxed them out. they also stole the XXXX  i bought and was living in. i have had no contact with them since i went to treatment. i tried disputing the charges with the banks and collections companies but have been denied each time. all my info was in the XXXX  they stole and my Ex girlfriend was the one to set up my credit card accounts. so she knew all the security information.
Product: Credit reporting or other personal consumer reports

Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX After reviewing my three credit reports from XXXX, Equifax, and XXXX I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. XXXX has failed to this respect and violated my rights under the laws described in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX XXXX ( XXXX ) STILL REMAINS UNDER EQUIFAX AND XXXX, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY EQUIFAX OR XXXX   PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.
Product: Mortgage

In XXXX of 2021, my family decided to look into moving to SD to be closer to family. We spoke with realtor about selling and purchasing. After speaking with a realtor within the new state we were recommended to a loan officer with CMG Financial. Our initial inquiry was if we could get approved for a home for X amount with minimum down payment for FHA loan. During phone call with assistant we were informed this would qualify so long we sold our current home as with this on our credit we would not. We immediately put our house on the market and sold the home in XXXX of 2021. We immediately paid off some additional debt to help prepare for the higher mortgage payment. The new home was to be ready in XXXX so in XXXX we signed purchase agreement and submitted it to the loan officer only to be told we would not qualify without a down payment over 20 % due to income. At this point he had pay stubs before we even sold the home and never indicated this was an issue if this was the case we would have not sold the home until income was met. Loan officer then offered a solution that if my wife were to get a job pay X amount gross he would accept an acceptance letter from the new employer to gain approval. Immediately my wife applied and received offer of employment. We then booked an XXXX in the new state and headed to the new state after arriving and notifying the story changed again that acceptance letter would not be sufficient and need 6 months income prior. Now we have a family of 4 with no permanent residence. We would not have sold our home only to be downgrading our lives and pay more for it due to rental properties pricing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX  have 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: Mortgage

XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.
Product: Mortgage

I closed on the sale of my home on XX/XX/20. The Money Source, our mortgage servicer, claimed to our title company, XXXX XXXX XXXX that they never received the payoff amount despite having the fed reference number of XXXX proving that they did have the entire payoff amount. The Money Source then reported my account as being 30 days past due in XXXX, and it dinged by credit by XXXX points according to XXXX. The Money Source still does not show as having processed the payoff, and every time I call, and I told a supervisor will call me back within 24 hours, and no one ever does. I have to spend 45 minutes waiting and explaining this to someone different every single time that I call, which is over 10 times now since the sale closed in XXXX, only to be transferred to a manager 's voicemail and never heard from again. The Money Source says I owe them the entire principal balance of a house that I sold, paid off the loan for via the title company, and haven't lived in in over a month and there has been literally no consequence for them messing this up other than my credit tanking.
Product: Credit card or prepaid card

it appears that without my consent, CTIBANK has pulled my credit report on XX/XX/2023
Product: Consumer Loan

My 2015 XXXX was paid off and sold on XXXX XXXX. On XXXX XXXX Honda Financial Services ( HFS ) sent a letter saying {$320.00} is still owed though no explanation was given for the payment shortage. Since then it has been impossible to get Honda to furnish me info in any way. Copies of my XXXX communications and the letter w/attachments I sent on XXXX XXXX are attached. To this date, XXXX XXXX, HFS has not contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has received my cease and desist letter on XX/XX/2021. I demanded that Equifax deletes any negative reports collections charge-offs or late payments from my report. I advised Equifax that they are continuing to violate my consumer rights. Pursuit to 15 USC 1681b a credit reporter can not furnish a credit report without written consent from a consumer. I have not given Equifax permission to report any of my information. Pursuant to 15 USC 1692 B2 it is also illegal for a credit reporting agency to state that a consumer owes a debt. Equifax has also received a affidavit of truth demanding that they pay {$1000.00} for each time they have violated my consumer rights. So far Equifax has only removed unauthorized inquiries. I am demanding that Equifax responds to my cease-and-desist letter and also my affidavit of truth deletes all negative information on my report collections charge-offs late payments and also pays {$1000.00} for each violation. Denying me of my consumer rights is against the law.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

Money is missing from my online bank account with Credit Karma. This is the 2nd time this has happened. A direct deposit from XXXX went missing in XX/XX/2022 and I still have no idea what to do about that one. But this time, the money is missing from a program I signed up with through Credit Karma to help me build my credit. {$40.00} gets deposited into this credit builder account and when it reaches {$500.00} it is to be returned to my checking account, with interest. Well, the money is missing from the credit builder account and was supposed to be transferred to my checking account but it's not there. And, I can't get ahold of anyone at Credit Karma to get this issue fixed. Please help me. I need that money to file my taxes so I can get a mortgage and buy a home.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date XXXX of XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX and XXXX but stats closed with EXPERIAN which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXXXXXX XXXX, EXPERIAN, XXXX, and XXXX  are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I reached out to an Experian representative to have 'dispute remarks ' removed from my credit report for ALL accounts showing dispute remarks. This was for me to purchase a home ; I could not get an approval unless the dispute remarks were removed. The agent assured me that the remarks were removed and the update would occur within 24 hours. It has been 3 weeks and the remarks have yet to be removed. I come to find out that the agent opened up a new dispute case, report # XXXX. This is causing me extreme XXXX, considering that I can not close on the property unless the remarks are removed for XXXX XXXX or XXXX XXXX to approve financing. I have called every possible phone number for experian, only to be directed to an automated system that does not assist in my needs. It is now XX/XX/2020. I am expected to close on a home on XX/XX/XXXX. The lender has pulled my credit every week for the last 3 weeks, with no change. This is extremely frustrating!! I am submitting this complaint because Experian is incorrectly reporting information on my credit report.
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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.
Product: Credit card or prepaid card

Since 2018, Care Credit has been inaccurately and overcharging me for interest on promotional purchases. Apparently some promotional purchases expired before I had been able to pay them off, I was charged the interest I would have accrued ( which is accurate ) and then charged interest on that interest. 

One single example is a purchase for {$1300.00}, where I have been billed {$430.00} of interest. 

All the statements I have access to have been attached to this complaint for review but there are statements dating back to 2018 that need to be reviewed. I would like the interest from ALL transactions on the account for the entire history of the account to be reviewed and corrected and refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ experian fixed a issue with my dispute unfortunately they did not re-add my XXXX  account to my boost and actually lowered my credit score which makes no sense at all. Why would showing that a bill is paid off lower my credit score? Also using there boost system should of raised my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, Experian has negligently deleted my XXXX XXXX XXXX XXXX credit card accou.nt and has denied all allegations to have done so. As a result this has negatively affected my credit health, being my credit history as well as credit limit has been wiped from my credit report. Account # : XXXX. 

Dispute Report # : XXXX I was told by Experian agents to reach out to my furnisher, with whom assured me my account was still open and active in their system. I have attached pictures of such deletion for reference as proof that they made a horrific error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car on the XX/XX/XXXX from a dealer. The dealer sent off requesting credit from multiple creditors. All of the creditors received a response of a " XXXX '' that is XXXX credit score or it read N/A. I was forced to buy a car as my only transportation broke down. I am disabled and need transportation to doctors. I am paying 28 percent interest and should be paying 7. The company is Equifax and I have contacted them by phone three times and they ask questions that I would only know if I had a credit report, the one they refuse to give me. The latest attempt was today XX/XX/2019 and same results. This has and will cause me financial hardship. This company is holding my life XXXX and I want to file charges if I can. I have read a lot of complaints about this company on the internet and can not believe I am the first to complain. Thank you