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

I have removed my consent for this company to report my nonpublic private consumer information. 12 CFR 1016 Privacy of Consumer Financial Information ( Regulation P ).
Product: Credit card

I have an XXXX XXXX business card with Chase. My annual fee was coming due in XXXX. Since this is my biggest spending card with Chase, in late XXXX, I called to find out if there were any retention offers on the account. I was told by a customer service representative that they would waive the {$95.00} annual fee if I kept the card open but that he could only process it after the annual fee posted and told me to call back. Today, XXXX XXXX, I called again only to be told that there were no retention offers on my card and that the annual fee would not be waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

started disputing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they will remove it then place it back on the report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on some of my credit reports on XX/XX/2015. This does not belong to me. It is preventing me from getting approved for many things, including a mortgage, credit cards and much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with XXXX XXXX XXXX. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, in this letter XXXX XXXX XXXX claims that a Comprehensive Loss Underwriting Exchange ( XXXX XXXX  ) REPORT FROM a company LEXISNEXIS included negative information regarding my loss HISTORY. 
XXXX XXXX XXXX states that information in this report may deny myself coverage. 
LexisNexis was contacted and confirmed contact but still hasn't complied with the report be sent to my residence. 
Instead LexisNexis sent another letter dated XX/XX/year> giving me an IP address to access my report that I couldn't access. 
I called on XX/XX/XXXX talked to an agent of LexisNexis that wasn't cooperative, he stated what web browser was I using? I responded that the letter received from his company didn't have any information regarding web browsers with further instructions. 
Again requesting the report be sent to my residence. I was met with obstruction and denial when asked if the report could be sent to my e-mail. 


Under Section 612 of the FAIR CREDIT REPORTING ACT I HAD THE RIGHT TO OBTAIN A FREE COPY WHICH I'VE REQUESTED NOT ONCE BUT 3 TIMES AND HAVEN'T RECEIVED SAME SINCE XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

My ex-wife filed our taxes as joint. She has Indiana taxes and I do not. When she filed them, Indiana wrongly decided she was n't eligible for exemptions despite her military status that granted her the exemptions. 
The Indiana IRS reported poorly on my credit and I disputed it, which ended with them sending me a check for $ XXXX. 
It has been over two years and XXXX disputes later, and this remains on my credit and is bringing down my score despite it being wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX 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

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX is not allowing me to file disputes an has deleted pass dispute investation results of two collection XXXX XXXX XXXX XXXX ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second MRS BPO ( XXXX  ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I show a lot of Preapprovals I never paid any attention. but credit karma kept sending me all sorts of different preapprovals telling me that I was preapproved for credit cards and personal loans and refinance my car. every day I would see offers every time I logged in to check my credit score. few months of being told that I was preapproved I thought I was no in a place to apply I got so many offers from credit karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. so I finally apply. Some Time in XXXX and I was denied for two credit cards credit and a personal loan. I was destroy Im very and I was busy marketing to. Credit card told me I was approved this was a lie. I was so sick and destroy
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint in about Navient Student Loan servicer on XX/XX/2019. This was in regards to student loans. Please see complaint # XXXX where Navient stated they would remove the loans off my credit report. However, the loans still appear creating a debt to ratio income factor. 

No to mention the loans are not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. Transunion deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Product: Payday loan, title loan, or personal loan

I file complaint against Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX I still receive SSI check every month. Why I can not afford to pay money back to every two weeks each. I want to pay back amount by cash in every month to the cash store. I need t pay expenses for rent, utility and gas and phone very important. 
I learned XXXX XXXX XXXX has had contact Cash Store without my permission. XXXX XXXX XXXXXXXX called me on this morning. XXXX XXXX XXXXXXXX should not contact Cash Store without me know.Cash store was taking my money from my current bank XXXX without my permission. I have been struggle to pay back to cash store by every two weeks.
Product: Mortgage

I am writing to file a complaint against Mr. Cooper, my loan servicer, for their malpractice during the loan assumption process. I have been in the process of selling my home since XX/XX/2023, with an FHA loan serviced by Mr. Cooper. The intended transaction involves the assumption of the current loan by the buyer, with the remaining amount to be paid in cash. Despite significant effort to explain the assumption process to potential buyers, we encountered numerous issues with Mr. Cooper, leading to the loss of a buyer who signed a purchase agreement on XX/XX/2023. Sabotaging behaviors, inconsistencies, and contradictory instructions from Mr. Cooper were significant factors in this loss. Multiple attempts were made by my broker and me to communicate with Mr. Cooper representatives, resulting in inconsistencies in response and a lack of understanding regarding the loan assumption process. Representatives provided conflicting information on the approval timeline, ranging from 4-6 months to 45-70 days, deterring the buyer intentionally. Furthermore, the lack of coordination and understanding among representatives created confusion for the buyer, eventually leading them to pursue other options. A subsequent purchase agreement with another buyer is now jeopardized due to similar inconsistencies, with Mr. Cooper citing missing documents ( license and social security images ) while contradicting statements from different representatives. The requirement for me to proactively call to check the status of missing documents is both burdensome and, in my opinion, unethical. This practice has left me feeling helpless and may result in the loss of another buyer due to Mr. Cooper 's malpractice. I urge the CFPB to investigate this matter thoroughly and take appropriate action to address Mr. Cooper 's inconsistent and obstructive practices in the loan assumption process. There is a reason this company is related so poorly with the XXXX and there are current lawsuits pending regarding their recent cyber security attack. Your assistance is crucial in ensuring fair and transparent dealings for consumers. Thank you.
Product: Student loan

Company did not indicate what steps it would take if loans went unpaid. Excessive emails about payments being due but no information. Emails if by any other company would look like harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been victim a identity theft
Product: Debt collection

Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. <P/>Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. <P/>I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a bracelet from XXXX XXXX and they or Acima never said it was a lease, my bank rejected a payment as a suspicious transaction and Acima charges XXXX for NSF, I contacted them and said sorry nothing we can do, tried to email proff of funds and all my emails for two consecutive days go to queued I explained to Acima customer service and said sorry nothing we can do over a phone call and cat bot. The piece I bought from XXXX was XXXX and it'll be in 1 year worth of payme ts XXXX plus and every payment there's an extra TAX charge, I asked customer service for this tax and they said it was a lease not a purchase and never disclosed interest rate nothing, it was time to close at XXXX XXXX and was still inside the store trying to make a payment to make the sale but never did they mentioned the merchandise was a lease. I told the customer service lady that this transaction was illegal she was ok but nothing she could do. 
So BEWARE OF ACIMA people XXXX will convert to XXXX in just a year and we used to complain about car dealers THIS PEOPLE ARE ADVANCE THIEVES
Product: Debt collection

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX 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/year>
Product: Debt collection

XXXX is attempting to collect a debt and is reporting such " alleged '' debt on all 3 credit bureau profiles. XXXX is indicating that I owe {$1100.00} for cellular service from starting on or around XXXX. The problem is during this time I was a minor in high school and not of legal age to apply for any credit of my own. Now Convergent Solutions has purchased said debt and are attempting to collect, despite me informing that I was a minor and this debt isn't mine
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX  XXXX XXXX credit closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX   {$36000.00} 4 ) Dept of ed/XXXX {$36000.00} 5 ) XXXX {$4600.00} 6 ) XXXX XXXX XXXX   {$3700.00} 7 ) XXXX XXXX XXXX {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

Three different times starting Sat. XX/XX/XXXX, I attempted to call USAA Federal Savings Bank based out of XXXX XXXX, TX to resolve a matter that they notified be about via the U.S. Postal Service. The letter that they sent is dated XX/XX/XXXX, yet I did not receive the letter in the mail until almost 3 weeks after this date. In the Reference line of the letter it reads " Notice of Unclaimed Property. '' In the  body of the letter it reads that I have until XX/XX/XXXX to respond to the notice. It specifically states, " If you don't contact USAA by XX/XX/XXXX, your funds will be escheated to the state as unclaimed property. '' The unclaimed property to which they are referring is a monetary amount of {$25.00} that is sitting in a bank account that has not been active since XX/XX/XXXX. The other two times that I tried to reach both USAA Representatives and Supervisors via phone was on the morning of Monday, XX/XX/XXXX. The representatives that I spoke with barely knew what they were doing, when I finally was connected to a Supervisor per my request, the call got cut off after only about 25 seconds into the conversation. When I called back, I had to wait even longer than what I did the first time for the phone operator to try to connect me with a Supervisor yet again, and after they still were not able to reach a supervisor, I told them to forget about it because I'm just going to file a formal complaint against all of USAA with the Federal Government. USAA 's lack of experience and inadequate technological communications is rather troublesome. During that same time on XX/XX/XXXX, I was at XXXX XXXX # XXXX in XXXX XXXX, PA attempting to fax all of the required documentation to them via the only fax number that they provided me in their letter. When it failed to go through the first time, that's when I had to call them to try to find out what was going on. After spending exactly 19 minutes on the phone the first time and getting cut off, that's when I called again, and after spending another 24 minutes on the phone and still getting nowhere ( while still at this XXXX XXXX   ), I decided that I was just going to file a formal complaint. However, before I left the XXXX XXXX, I decided to try to fax all the documents again ( which cost me another {$3.00} ) and finally, the fax went through. It is now Wednesday, XX/XX/XXXX and I have been checking my current bank account with XXXX XXXX XXXX XXXX   literally every hour on the hour, and still USAA has not wire transferred the {$25.00} from my former Savings Account with them to my current Checking Account with XXXX XXXX XXXX XXXX even though I also included a voided check from my current checking account along with all other pertinent & detailed information. I find it very hard to believe that it takes ANY bank over 48 hours to conduct a simple wire transfer of funds that only total {$25.00}. They haven't even attempted to contact me via my cell phone # that I provided on the cover sheet of the fax that I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized activity.
Product: Credit card

Set-up automatic payment with Chase Bank credit card. However, I just now realized that they have been charging lates fees each month for years despite being charged for automatic payments on time.