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

There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.
Product: Credit card or prepaid card

I have had my card open 4-5 years plus and have yet to have a credit increase, even after paying on card on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX and Acct # 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 : states a consumer reporting agency can not furnish an account without my written instruction.
Product: Vehicle loan or lease

On XX/XX/2022, I was approved for auto loan with AmeriCredit. Then on XX/XX/2022, I received a welcome letter in the mail from GM Financial. In the letter it didn't state GM will be servicing my auto loan nor did AmeriCredit inform me that GM will be servicing my auto loan. In the meantime, I had sent GM billing error notice asking them to provide with contract binding, validation of the debt to pay them. I received in the mail account summary, TILA dealer contract, my credit application, and notary documentation that AmeriCredit and GM are one company. They never provided me with right to rescind disclosures. Those are not what I'm asking for and I'm so confuse because one company is in Maryland and the other is in Texas but the notarize shows both address state in the state of Maryland. As a consumer every document is supposed to be clear for the consumer to understand. I have spoken with dealership regarding my contract as to who was my original creditor and the finance manager stated Americredit not GM. I told him I wanted to make sure. I extended my credit to Americredit. I do not want to hear this is like a mortgage loan. A mortgage servicer informs their consumers on this date we will start servicing your loan all payments go here. I recently sent GM a Cease-and-Desist letter to them because they have violated FDCPA and as a federally protected consumer I have the right for GM to provide with the correct information I'm requesting. This company needs to be investigated for their deceptive misleading practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I CALLED XXXX XXXX XXXX CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE ONE XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE EQUIFAX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT ONE I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF EQUIFAX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A MANAGER AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I have attached a copy of the police report & identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever Concerned Please Please understand that XXXX has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. XXXX  claim an account using my personal information was opened online. In XX/XX/XXXX XXXX claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that XXXX  has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX  XXXX. Again without any permissible purpose. XXXX- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXXXXXX XXXX XXXX IS CLAIMING THAT XXXX  HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT XXXX  IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at approximately XXXX CDT, an unauthorized transfer occurred on my CashApp account. An unauthorized person gained access to my account, via my smartphone as I went to the restroom. This person transferred monies into their account, without my approval or knowledge in the amount of {$140.00} USD. The company has refused to refund, cancel or reverse the transaction, knowing it was fraudulent.
Product: Credit reporting or other personal consumer reports

Since XXXX, the company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX has been reporting in my credit score a debit balance of {$800.00} in the 3 credit bureaus, which is limiting me from opting for a credit of housing which is my right to obtain a housing loan. 
according to the fair credit reporting law. I demand that the account of XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... AND THE ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX be reconsidered and evaluated and removed from XXXX, XXXX and experian, SINCE I HAVE BEEN A VICTIM OF IDENTITY THEFT
Product: Debt collection

Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against XXXX XXXX XXXX  and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
Product: Mortgage

XXXX XXXX XXXX  is the holder of my mortgage. They are continuing to charge me for PMI even when the loan has been paid down enough to be below the 80 % threshold. I purchased a condominium in 2016 for {$80000.00}. I put 10 % down and financed {$72000.00}. I pay $ XXXX in PMI. The mortgage is now paid down to {$61000.00} which is 76 % of the sale price. This alone warrants the elimination of PMI. I'm not even asking for them to consider the real value ( my next door neighbor just sold for {$200000.00}. ). 

I have sent several letters to the bank and received standard denial letters due to the fact that " the value of my property can not be determined ). I feel that this is deliberate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. I would like to bring to your attention the following inaccuracies : 1. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file. 2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also, delete ALL known as names on file. 3. Only Date of Birth : XX/XX/1969 I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. A recent utility bill displaying my correct address. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing. Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.
Product: Mortgage

Due to covid i got behind on my second mortgage, it went into foreclosure because I was denied a mortification. I made an offer to settle the loan and was turned down. Now I've paid the account to get it paid up and try and pay it off quickly, now they have added fees and per diem which I'm not sure what for. They have repeatedly hung up or got " disconnected '', the loan officer was repeated rude and acted like i was bothering hime when ive asked for him to explain where the " fees '' came from, he said that the attorneys will have their own fees too, XXXX?? Can mortgage companies just add whatever fee they want we have to pay? When I've tried to make a payment online their system would not let me, when I called to make a payment they wouldn't take it. I've requested a pay off amount and the loan officer said he couldn't give that to me until they added the fees to it. this loan was for {$15000.00} and I've paid over {$36000.00} not including the {$14000.00} they say I still owe. This loan was made in 2008, when I called to refinance the loan several years ago they told me they don't do those types of loans. The interest rate is 14 % which I've read that in 2008 they consider some of these loans predatory. Now they have reported on my credit and basically destroyed my chance to refinance my primary mortgage. 
I wasn't sure if there is some legal action I could take. 
the company is Statebridge Mortgage out of Colorado
Product: Credit reporting or other personal consumer reports

I am requesting the removal of a specific inquiry from my credit report related to my account with Continental Finance/XXXX I found an inquiry dated XXXX XXXXXXXX XXXXXXXX, that I believe is unauthorized. I did not consent to this inquiry, and it does not accurately reflect my credit activity. 

**Inquiry Details : ** - **Inquiry Date : ** XX/XX/year> - **Business Type : ** Bank Credit Cards - **Contact Information : ** - **Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX - XXXXPhone Number : ** ( XXXX ) XXXX Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I have the right to dispute any inaccurate information on my credit report. I request that Continental Finance/XXXX take immediate action to investigate this inquiry and remove it from my credit report. 

**What would be a fair resolution to this issue? ** I request that the unauthorized inquiry be removed within **15 days**, and I would like written confirmation of this action sent to my address. Prompt resolution of this matter is crucial for accurately reflecting my credit history and improving my credit standing.
Product: Mortgage

On XX/XX/scrub>XXXX  I tried to apply for a HELOC through Figure Lending LLC. I applied here after a XXXX search for 'HELOC for self employed '. Figure claims to be a self employed friendly lender. During the process, I was asked to link accounts, XXXX account linked, but the other is having issues. On XX/XX/year>XXXX  I called XXXX and was advised by a rep that their product doesn't work for a lot of self employed. Basically the rep was discharging me from moving forward since I'm self employed. I offered to provide XXXX weeks of paystubs and was told I could not do that. I believe that Figure Lending LLC is denying HELOC applications through the illegal use of discouragement.
Product: Credit card or prepaid card

Capital One Refused to help during a hardship because repayment was 100 % across all of customers accounts. After 2 months of missed payments they were willing to allow longer term repayment plan but continued to report negatively for 4 additional months although payments were being made as agreed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX XXXX veteran with XXXX  young children.
Product: Credit card

I am writing to formally lodge a complaint against Discover for what I believe to be an unlawful and unjustified reduction of my credit line. Discover has informed me that this decision was based on information provided by XXXX, which I have reason to believe is either inaccurate or improperly reported. Also, I did business with this company since 1988 and there has never been any problems before then. 

To my knowledge, I have maintained a responsible financial history and have not engaged in any activity that would warrant such a drastic action. The adverse decision has negatively impacted my credit score and financial stability, causing undue stress, and inconvenience. 

I have taken steps to review my credit report from XXXX, and I find discrepancies in the information provided. If the decision by Discover is based on these inaccuracies, it is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must use accurate and verifiable information when making such determinations.
Product: Credit card or prepaid card

contacted visa for options due to expiration of {$500.00} reward card. called XXXX, mailbox was full. 
issued XX/XX/XXXX, expired XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Working with New American to purchase my first home put me at risk of both losing my desired home and {$17000.00} ( earnest money + gains on the stock I sold for closing costs in good faith this would be done XXXX + inspection ). 

Below is a recap of miscommunication and negligence to date by the company. Contacts I have worked with are XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

XXXX pre-approved me for a loan at 10 % down with a rate match of 5.85 % with manager approval XXXX. My formal mortgage application then kicked off XX/XX/22 and XXXX advised me she had all the documents needed to move forward with underwriting. My appraisal was completed XX/XX/22 and came in slightly above my offer- all good news. 

On XXXX ( Monday the week of closing ) I received an email from XXXX that my loan was at risk of denial but there was a solution where I would put 15 % down with 4.99 % interest rate. This was the first of 3 incorrect quotes for a path forward I would get from XXXX in 48 hours. I received a follow up email XXXX that I had 2 path forwards to avoid my loan being denied : 15 % with a higher rate than initially quoted or 20 % down. I decided I wanted to move forward with 20 % down to avoid paying upfront MI. 

On XXXX I was told the 20 % down path previously quoted as an option would be denied due to impact on my reserves. The only path forward that would be approved was 15 % down. I asked to speak with a manager however they did not call me before leaving on vacation/OOTO XXXX. 

Beginning The afternoon of XXXX I began working exclusively with XXXX because I could not trust any of the loan terms XXXX was quoting me. I raised concerns that XXXX XXXX the escrow agent and the seller agent were saying XXXX was unresponsive to all attempts to contact her for updates to XXXX for loan docs ahead of signing. 

I signed closing disclosure agreements for the path forward to complete my loan with 15 % down the evening of XXXX, keeping us on track to close XXXX sold stock and compiled the updated closing costs needed into my XXXX  account, sending the updated documentation to XXXX first thing in the morning XXXX. I was told it was all hands on deck to get my contract paperwork out by XXXX XXXX. I had to reach out at XXXX after no one heard any updates. 

I was then told XXXX - on my planned closing date - that there is not a path forward for New American to honor my signed closing disclosure terms. It is clear XXXX made numerous mistakes on my loan application - including not including my buyer rebate previously communicated to the title agency and across stakeholders. Not accurately quoting me terms impacted my ability as a buyer to shop my rate and lost my trust in the process. I attempted to resolve my issues directly with the company but after saying they would review my file I have not heard back in over 1 month.