23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. 
AUTO DEALERS HAVE ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS WHY ITS ON MY CREDIT REPORT. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my XXXX credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is XXXX.

I called XXXX and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is Rentgrow, no public records Why am I denied my report?

I also called Transunion and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a formal complaint regarding XXXX XXXX XXXX 's ( KFA ) failure to correct an inaccurate charge and its subsequent negative impact on my credit report. I lease a vehicle through XXXX XXXX XXXX and am eligible for a military excise tax exemption in accordance with the Servicemembers Civil Relief Act, as confirmed by the City of Lowell Board of Assessors. Despite this exemption and multiple attempts to inform XXXX, I was charged excise taxes for XXXX and XXXX, which I paid under duress to prevent further damage to my XXXX XXXX. 

I have repeatedly communicated this exemption to XXXX XXXX XXXX, provided supporting documentation, including an abatement certificate from the XXXX XXXX  XXXX, and requested a refund for the excise tax payments. XXXX XXXX XXXX has yet to refund the payments or correct the inaccurate information on my credit report, which has unjustly resulted in my account becoming delinquent. 

This inaccuracy has significantly impacted my credit score and, as a result, delayed the pre-approval process for purchasing a home. After disputing this matter with the credit bureaus, I was further disappointed to learn that their " investigation '' only consisted of forwarding my dispute and supporting documentation to XXXX XXXX XXXX. The credit bureaus then provided XXXX 's response as the final " dispute results, '' after almost a month of anticipation, without any meaningful investigation or mediation. 

I am requesting the CFPBs assistance in resolving this matter and holding XXXX XXXX XXXX accountable for refunding the excise tax payments and removing the incorrect negative information from my credit report. The inaction from both XXXX XXXX XXXX and the credit bureaus has caused undue financial hardship, and I would appreciate the CFPBs prompt attention to this issue. 

Thank you for your assistance in addressing this matter.
Product: Credit card or prepaid card

I have used this account for years only time late is with no notice they changed my billing due date. They claim in their letter they closed the account based on my credit reporting. I have to request all three credit reports and review for accuracy and make my disputes. Not giving a consumer the right to dispute items on a credit report and assume the report is correct which is my credit report not theirs. To just close an account when a customer was a good paying customer is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a wire transfer to a company on the internet known as XXXX, with the internet domain name of XXXX, to get XXXX XXXX. They hold themselves out as a company that can provide XXXX XXXX in compliance with US Laws to countries all over the world. They have a U.S. Phone number, but I was never able to actually speak with anyone over the phone. The company is also known as XXXX XXXX , XXXX., located at XXXX XXXX XXXX  XXXX., XXXX XXXX, XXXX , XXXX . I realized I made an incorrect order, and XXXX indicated they did not have the medication I needed, and would have to source locally. However, they did not confirm that they would send me a refund, and I have now not heard from them in several weeks. It seems that this company is a scam. I found reviews of them online indicating that many other people have had issues not getting anything back from the company. 

My wire transfer was made via my U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I tried to cancel the wire transfer within 30 minutes to get a full refund per U.S. Bank policy. However, when I called, the agent on the phone informed me that the branch manager would have to call to cancel the wire transfer. I then called the local branch and requested the branch manager call to cancel. He did not call to cancel within 30 minutes, so the wire went out. I called the company XXXX to cancel the transaction, and sent them several emails. I have not received my money back and do not think that I ever will.
Product: Consumer Loan

Do to my spouse and I separation, I had a banking issue so I went to the company ( WESTERN FINANCE ) and asked Western finance not to post the check when they received it because it was not going to pay. After the XXXX XXXX agreed to contact when the check arrived she later posted it to my account ( stated that her supervisor had told her that she had to post it ) then charged me for it and return fees and also now has submitted paper work to take my vehicle. I have had XXXX loans with this company and paid them all back I would say I have a pretty good record with them but because I am not keeping things professional the store manager and her supervisor are have decided that they are going to not except my normal payment that was due. I contacted Supervisor I asked why did they post the the payment she became argumentative so I asked for a higher up she told me she was IT and there was no one else I could talk to and there were other numbers I asked for anyone else she told me the only one was the owner above her and she refuse to give me any numbers to call. I want to resolve this situation but I can not at this time of the year pay above my normal amount of my money I went to them for my protection and theirs prior to them receiving the check so this would not happen I asked if I could pay partial payments to make up for the check and that was sent on the XX/XX/2016 and on the XX/XX/2016 I sent them another payment but they would not except the payment because it was partial. XXXX the GM says that I now owe XXXX but she will do me a favor and allow me pay XXXX but I told her I have XXXX I can pay she said she can not except partial payments but XXXX is also partial payments.
Product: Mortgage

I have lost count as to how many times I have contacted XXXX XXXX with the goal of getting them to do what is required by law with the transfer of a mortgage. But as of this date they are still NOT complying with the legal requirements for transferring a mortgage and therefore I am being forced to take this matter to the next level. 
They have erroneous stated in each of their letters that I am represented or have been represented by the XXXX XXXX XXXX. IN EACH RESPONSE TO THEM I HAVE INFORMED THEM THAT I AM NOT AND NEVER HAVE BEEN REPRESENTED BY THEM AND THERE ARE NO RECORDS TO SUPPORT THAT LIE THEY ARE ESPOUSING! THEREFORE, THEY DO NOT NEED ANY TYPE OF CORRESPONDENCE FROM A FIRM THAT I HAVE NEVER USED! I AM TELLING THEM THERE IS NO CONNECTION AND EITHER THEY ARE INCREDIBLY STUPID OR DO NOT HAVE ANYONE AT THAT COMPANY THAT CAN READ! THERE LIES ABOUT SENDING ALL COMMUNICATION TO THAT FIRM IS ALSO UNLAWFUL! I have STILL NOT LEGALLY been informed concerning this transfer they are stating has taken place. In their last response they FINALLY ADMITTED what I have been telling them in every complaint and even apologized to " the mortgagors for any inconvenience they may have caused ''. BUT, EVEN AFTER ALL THE COMPLAINTS I HAVE FILED AGAINST THEM THEY STILL HAVE NOT COMPLIED WITH THE LEGAL REQUIREMENTS OF TRANSFERRING A MORTGAGE BECAUSE I HAVE NEVER RECEIVED ONE PIECE OF PAPER SENT TO MY RESIDENCE NOTIFYING ME OF ANY CHANGE IN MY MORTGAGE. NOTHING FROM XXXX OR THIS COMPANY SO AS FAR AS I AM CONCERNED LEGALLY, XXXX STILL HAS MY MORTGAGE! IT CAN NOT BE IN FORECLOSURE BECAUSE XXXX IS UNABLE TO FORECLOSE DUE TO THE SUPREME COURT CASE THEY LOST! IF ANYTHING IS DONE BY THIS COMPANY REGARDING MY HOME I INTEND TO SUE THEM IN EVERY COURT POSSIBLE! I EVEN SENT THEM A CERTIFIED LETTER WHICH THEY HAVE COMPLETELY IGNORED! THEY HAVE IGNORED ALL MY CORRESPONDENCE, EVEN THOUGH I HAVE A RECORD OF SENDING, SO OBVIOUSLY ARE TRYING TO CONTINUE ILLEGAL ACTIONS WITHOUT MY KNOWLEDGE! THE LAWS ARE VERY CLEAR REGARDING FORECLOSURE AND THEY HAVE BROKEN THEM ALL!
Product: Student loan

I had applied for an income driven plan and was placed into forbearance.
Product: Credit card or prepaid card

There are two incidents and discriminatory actions via CITBANK CARDS XXXX XXXX XXXX XXXX XXXX, S.D. XXXX 1. Citibank intentionally tried to manipulate my credit by lowering my agreed upon credit limit, when payments were made on time, and no derogatory account status, on any of my credit report was researched.

Citibank was called and upon arguing repeatedly with 2 CUSTOMER SERVICE CENTERS REPRESENTATIVE OF NY 2 CITIBANK CARDS, MY LIMITS WERE RESTORED TO THE AGREE UPON AMOUNTS HOWEVER, 1 MONTH LATER Citibank closed my credit cards, ( 2 ) which both had balances and available credit on them, both of which have been paid as agreed, for alleging foul language at a customer service representative while Citibank was discriminating against me and violating federal and state law by trying to intentionally manipulate my credit and credit history.

This is unacceptable. CITIBANK CARDS I.E. CITIBANK CORP AND OR. BUT NIT LIMITED.TO CITIBANK OFFILIATES AND THIRD PARTIES HAVE VIOLATED MY RIGHTS AS A CONSUMER, AND FEDERAL AND STATE FAIR CREDIT PRACTICES ACTS, TRUTH IN LENDING BY MANIPULATION, AND MISLEADING ME TO BELIEVE MY LINE OF CREDIT WAS AS SUCH .... 

ACTION : CITIBANK MUST IMMEDIATELY RESTORE MY ACCOUNTS TO OPEN STATUS OR FACE LEGAL ACTION...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

Here is the account : XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
Product: Credit reporting or other personal consumer reports

Due to your data breach I have seen incorrect accounts and amounts owed on my credit report.
Product: Student loan

When I finished graduate school, back in XX/XX/2012, I requested via phone to consolidate my loans. I was planning on doing the Public Service Loan Forgiveness program and was told that in order to qualify, my loans needed to be consolidated. 

However, when I called Navient with this request, I was told that my loans were already consolidated, as they were all under one lender/servicer, and that I was good to go. It wasn't until years later, after I had worked in non-profits for 4 1/2 years that I found out my regular monthly payments weren't counting toward my forgiveness because my loans weren't properly consolidated.

Because of the misinformation from Navient at that time, I lot 4 1/2 years of regular payments toward forgiveness, I made career and life choices to work toward loan forgiveness, only to find out they weren't actually counting. 

My loan servicer eventually changed to XXXX, so I no longer have contact or records from Navient. But in light of all of the recent press and information coming out about their practices, I felt it important to share.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all XXXX credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and equifax investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXXXXXX XXXX but the credit card is XXXX XXXX and Equifax has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Issue is with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, Co  XXXX Ph # XXXX XXXX XXXX XXXX this is the Escalation Dept. My wife and I closed and paid off the Home Equity Line of Credit on XX/XX/XXXX paid all satisfaction fees to Specialized Loan Servicing so that they could notify XXXX XXXX in Pa  and have the Lien Release filed with the county. XX/XX/XXXX spoke to Specialized Loan Servicing and was told that all fees paid just waiting to close out the loan. XX/XX/XXXX We received a Home Equity Line Statement showing that the Account was closed so we figured the Lien Release was filed with XXXX XXXX XXXX Pa. In late XXXX   we completed another mortgage application with XXXX and were told that we still had an open lien with XXXX XXXX XXXX in the amount of {$280000.00} ( XXXX XXXX XXXX  was the original lender on the Home equity Line of Credit but it is now being serviced by Specialized Loan Servicing ). XX/XX/XXXX I called Specialized Loan servicing and was told they had not filed the Lien Release with XXXX XXXX XXXX Pa  would do that should be done 5-7 days. XX/XX/XXXX Lien still not showing satisfied had to email Spec. Loan Servicing copy of the Mortgage Documents from XXXX XXXX. XX/XX/XXXX they acknowledge have docs. As of today XX/XX/XXXX still not completed and they can't tell me when they will get it done. I had made several phone calls and asked to speak to a Supervisor and have been told they would call back. Finally heard from a supervisor and she told me they didn't file the lien release because they didn't know how much my Home Equity Line of Credit was for - I noted I had emailed them the copy of the mortgage from XXXX XXXX.so they should know it was for {$280000.00} She said would notify payoff department and let me know when they would get this taken care of. on XX/XX/XXXX Specialized Loan Servicing called and noted that my case had been escalated to get the Lien Release completed but could not tell me when it would be completed. I asked them if they could email me a letter to show to my new Bank that the Lien Release is in progress and She told me that they would not be able to do that. 
At this point I don't know what to do as I can't get my new Home Equity Line of Credit approved until the Lien Release is filed with XXXX XXXX XXXX Pa.
Product: Mortgage

On XX/XX/XXXX i got sick and spend a few days out off work. Two weeks after i was told by my Doctor that i needed XXXX i spend two months at home after XXXX and i receive a XXXX XXXX   XXXX check which was less than haft of my regular paycheck i wasn't able to make any payments on my monthly bills my utility bill was the only thing that was paid on time. 
XX/XX/XXXX i was able to go back to work and started paying all my late bills and was able to get up to date with everything.Thank God my mortgage is up to date. i check my credit report and i saw how much this situation affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, and somebody has stollen my identity
Product: Debt collection

There are XXXX medical collection that were paid from a judgement placed on my ex husband. Both have been paid off for few months. His credit report has them closed. Mine still has the same debts as open with full amounts owed. I contacted Piedmont credit collections that was listed beside the collection accounts. They acted like there was no information about it in their computers. I know they have handled it, because I contacted them and asked about how it would be handled when my ex got an email from his work about the garnishment. They had the information about it then. I even asked for any other info needed to pay off other items in my name and got the account numbers needed to pay those off.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX ( account number : XXXX ) to request the removal of XXXX late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Mortgage

Freedom Mortgage loan # XXXX This account has always been on auto draft and should not be reporting any late payments. My payments have been drafted at the end of the previous month. The payment for XX/XX/2022 was drafted at the end of XX/XX/2022. My payments were received however not applied to my monthly payment correctly. If there were any issues, I would have expected the mortgage company to call me asap.