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

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account XXXX  XXXX XXXX Balance {$70.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was on bill pay to schedule a Motgage payment, for some reason it went to my previous mortgage company, that company was closed when the check was cashed. I called Chase to put stop payment on that, they told me they will try to find out whats going on and never received any respond from them since. Is there any way we can trace who and when this check got cashed? I also went to the Bank and they told me there is nothing they can do ; so am I just losing my {$5300.00}? As a XXXX XXXX, is there anything I can do at all?
Product: Mortgage

I got a phone call from XXXX XXXX, phone number XXXX, allegedly a loan officer at Loan Depot. 

He stated he was calling about a loan that I had applied for at Loan Depot. I told him I didnt remember applying for a loan at Loan Depot to refinance my home. 


I immediately questioned this. 

After several back and forth questions I think they may have bought my info from XXXX I had recently got pre-approved with another lender intending to purchase an investment property. 

It was highly disconcerting and misleading for him to say I had applied to Loan Depot when I had not. Just felt like a company trying to take advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged for purchases I did not make. I did not get anything from the merchant.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX XXXX XXXX  ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/year>, XX/XX/year>. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.
Product: Checking or savings account

Approximately on XX/XX/ I went to purchase some food using my citi bank card and it was declined. I immediately called citi bank to find out why it was declined and customer service was rude and hung up on me without any explanation. Then I called the fraud dept and they told me that my acct was being investigated ( for what I have no idea ) and they wouldn't tell me why, so I demanded to talk the supervisor and he proceeded to tell me that all investigations are handed by the 'backroom ' and that I would get a letter in the mail stating why my acct was closed and that it would take 60 to 90 days after the investigation for them to release my money. Keep in mind I never had overdrawn nor had a check bounce. I then called Citi bank main branch and asked if I can get my money. They told me if the fraud dept posted a note next to my acct they would let me withdraw my funds. So I called the dept and they wouldn't post it. I demanded to know why they did this and why wouldn't they work with me ( cause I haven't done anything wrong ) they hung up again. I called them again and told them that I can't go without any money for 60 to 90 days, that I have bills to pay, XXXX is around the corner, ect. It didn't seem to matter they just said I had to wait the 60 to 90 days. I don't understand why they closed my acct they won't tell me anything, I haven't gotten any letter from citi bank stating why it was closed. I can't access my acct with my mobile app. I have over XXXX in my acct and I can't even get gas in my car and I haven't done a XXXX thing wrong.
Product: Vehicle loan or lease

Mercedes Benz financial continues to retaliate against me for someone else 's actions in which they believe a vehicle I owned was used on a car Sharing application. I have provided documentation, letters with a full explanation and evidence supporting this never occurred, yet Mercedes Benz Financial has put a flag on my name so that I cant apply For credit at Mercedes Benz XXXX. They continue to discriminate me for something I had nothing to do with and quite frankly wasn't a violation in any ongoing or former contract XXXX had with me. XXXX has provided false personal information about me professionally to dealerships in order to prevent me from being able to lease or purchase a vehicle. At no point was I ever contacted by XXXX  during my XXXX  ownership to resolve or notify me of a situation. I want to be contracted by someone with authority at XXXX whom I can Attempt to resolve this issue with before I take legal action for Defamation.
Product: Vehicle loan or lease

I have attempted consumer portfolio on numerous occasions dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX to try to make a settlement on this XXXX XXXX XXXX I that I have with XXXX miles on it. The car does not work and I can't do a voluntary repo because I'm in the process of trying to buy a home. I have spent over {$4500.00} trying to repair the car and over {$300.00} in rentals to get to work and to my son 's school. The car is smoking from under the hood, the car had a wiring blower recall, and it's not worth more than {$1000.00} at other dealerships. I have tried to settle for {$5000.00} and {$6000.00} back in XXXX when the company indicated they needed at least 80 % of the loan amount which I owe {$10000.00}. I said that's impossible the car is not working nor is it worth anything. They kept saying we will have the president review, we will have the supervisor review and then no response. They then add the payments to the back of the loan while they are waiting on this response and never contact you. This company has also been sued recently. Please assist in this matter. 


Now I have received an email today as of XX/XX/XXXX about an EXTENSION- I never asked for an extension. NEVER. This goes to show how faulty and fraudulent this company is! Enough is enough of this company. AND AN ADDITIONAL {$1100.00} has been added to the loan some how as the payoff showed around {$9900.00} last week. 

You can see all the payments I made and how they have been applied. The loan was only for {$13000.00} and I still owe $ XXXX. Something is WRONG! 

They indicated on numerous occasions it was nothing they could do and now they are adding some extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorizeXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit card

Since account opening I have been charged {$170.00} in late fees which is extremely excessive considering I always make my payments. This is making it extremely difficult to pay off this balance.
Product: Credit card or prepaid card

There is a credit balance of {$150.00} on my Kohl 's charge card account. I have contacted Kohl 's several times requesting a refund check be mailed to me ( first contact was on Thursday XX/XX/2022, second contact was on Monday XX/XX/2022, and third contact was on Tuesday XX/XX/2022 ). However they have not yet processed my refund check and the credit balance continues to show on my account. Kindly requesting that Kohl 's send me my refund check as soon as possible.
Product: Debt collection

my protected rights have been violated according to the fair credit reporting act and is also in violation of usc 15 1681 section 602 and 15 usc 1681 604a it also states consumer reporting agency can not furnish a account without my written instruction i do not have the account number on hand at this moment but i do have the names you can confirm once you look at the report those name will be on my XXXX spring oaks capital
Product: Vehicle loan or lease

I never had a XXXX loan, nor I never lived at Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I ask Transunion for proof of documentation from XXXX thats this Account belongs to me, and they did not provide proof of signature contract or no evidence.please help me solve this matter under the fair credit Act. Thank you.
Product: Debt collection

A ever-changing representative from 'GC Services Debt Collection ' ( XXXX ) calls my work phone number from a spoofed or sometimes local ( XXXX area code ) phone number. Without providing any details, they leave a urgent-sounding message asking me to call back to an XXXX phone number, sometimes with an extension, sometimes without. Every single version of their phone number has multiple complaints ( i.e. ) : XXXX This has been going on since XX/XX/XXXX and I have reported them multiple times to my Security office, the FTC, and the Maryland Attorney General 's office but they keep calling and disturbing my work hours. I do not dare pick up the phone unless I know the ID.
Product: Credit reporting or other personal consumer reports

I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor XXXX XXXX XXXX XXXX XXXX  Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX This information is part of a class action lawsuit against THE XXXX XXXXXXXX XXXX XXXXXXXX. This institution has been permanently closed due to illegally charging XXXX inaccurate amounts. Due to the fraudulent nature of these accounts, they have been paid off and XXXX by the XXXX XXXXXXXX XXXX XXXXXXXX. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!
Product: Debt collection

I opened an account with Affirm : XX/XX/2023 I made my payment for that month out of my checking account on line. Affirm refused to recognize my payment made and is trying too recharge me on XX/XX/2023 for the same payment by saying that I am late with my payment! I owe less than {$100.00} on this account and after I pay it off I want be doing any more business with Affirm because they have pulled this on me before! They financed a used XXXX laptop from XXXX and it hasnt worked since day one. Its a peace of junk!
Product: Debt collection

Portfolio Recovery Associates is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. Portfolio Recovery Associates is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, Portfolio Recovery associates has continued to report this account, the latest time being XX/XX/XXXX. This is an unfair representation of my financial history and should be deleted immediately.
Product: Debt collection

Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The XXXX XXXX XXXX reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects Comerica bank as the lender / creditor. I attempted to dispute this item as i have not had any accounts with comerica. The dispute was denied, XXXX XXXX XXXX reported that the dispute is invalid. 

I contacted comerica bank and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with comerica and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.
Product: Mortgage

I entered a mortgage forbearance during XXXX. i reached out last year and made a payment to start back my loan payments. Was told the program was not complete yet and I had plenty of equity to use money for other things like paying off bills. And, that the payment I paid didn't matter and would go to the back of the loan. Made another payment this year to start back mortgage payments and was also told the forbearance ends in on XX/XX/XXXX. At the start of the program I had the option to resume payments when comfortable and put outstanding amount on the end of loan. I could refinance loan and pay higher payment. Lastly, pay three lump sum payments which I can't afford. The only option they are giving me is lump payment of {$46000.00} dollars. I have a good job and can easily resume payments. also, I have about {$250000.00} in equity. I cant get a loan from anyone because I wasn't allowed to make three consecutive payments. My interest rate is 4 % and if I am forced to refinance I will have a lot higher interest rate. I feel like I was set up to lose my home and the only option I have is to pay the lump sum. Can you please help me? We can't lose our family home.. Thanks so much.. XXXX XXXX XXXX 
The Company is Rushmore Lending.
Product: Mortgage

Dear Sir/Mme : This complaint is related to the XXXX you have under # XXXX ( against XXXX XXXX .This complaint is against Select Portfolio Servicing Inc the alleged mortgage servicer.Am currently in bankruptcy ( ProSe ) .My adversary case # XXXX XXXX the Judge granted the Motion for Lift of Stay & I received the order yesterday.The lawyers forXXXXBank and Select Portfolio Servicing Inc are XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX .The lawyers send in a Proof Of Claim ( XXXX XXXX ) with a purported note endorsed in blank by XXXX XXXX for XXXX, XXXX XXXX Thru various depositions XXXX XXXX stated she was laid off in XXXX. My loan closed XX/XX/XXXX.Recently another case that was ongoing for 5.5 years : XXXX XXXX XXXX XXXX XXXX XXXX reported that 90min before Trial XXXX Voluntarily dismissed the case with prejudice, as the case somehow implicated that XXXX used a rubber stamp with XXXX XXXX XXXX name & endorsed XXXX 's XXXX appears that XXXX 's XXXX loan '' closed about XXXX XXXX XXXX. 
In my case Select Portfolio Servicing Inc " claims '' that my mortgage loan was securitized into XXXX Thru Series XXXX another case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX there is a XXXX XXXX Order/opinion ( by Judge XXXX XXXX XXXX that has a listing of XXXX Trust that investors sold-latest XXXX XXXX and since XXXXBank did not merge Trustee business till XXXX XXXX Trust were not transferred to XXXX Bank as they were sold prior to the merger of XXXXBank with Bank XXXX pass Thru Series XXXX was named as one of those XXXX Trusts. Further from either XXXX or other website when XXXX-surpise : ... '' no transactions in past 12 months.. '' My bankruptcy case is going to be dismissed on XX/XX/XXXX-I probably did not do something right.And now am facing imminent foreclosure by parties that are Not the real parties in interest.It is Theft. I do want to pay the true Beneficiary and holders in due course of my mortgage. 
Thank you for your time. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

One of my payday loans is listed on XXXX as XXXX and closed, written off. It was sold in XXXX to another company & XXXX is not showing that. I paid that company in full of XXXX with all the interest in XXXX of this year. The company gave me a letter of confirmation stating it is paid in full. It has all the info on it from the original company and the account # which matches XXXX 's info. I submitted it to XXXX dozens of times and they still refuse to list it as paid in full. Ive talked to them over the phone and they say the company has to call them. I told XXXX it was sold to another company and gave them the name & they finally listed it on the website but still didnt show it as paid. Ive called the company several times and they said they have called them. XXXX and XXXX have it listed as paid in full. I had to resubmit my other bills with XXXX many times over XXXX months to finally get them to list all of my other bills that Ive paid in full. It was like pulling teeth with them. They refused to let me talk to a manager or supervisor. They said someone would call me & they never did. Im trying to qualify for an apartment now & need this fixed. Its been since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing XXXX such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I'm getting charge for Montgomery ward and 7th Avenue credit charge and it wasn't me