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

accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Product: Payday loan, title loan, or personal loan

I made the mistake of not asking for and reading their contract before I typed my name and received the loan. When I asked for the contract I found for the {$1000.00} I received they want paid back {$5000.00}. They say their interest rate is 320 % plus fees but is like 500 %. I am XXXX and in bad health. XXXX XXXX and in past year two XXXX XXXX XXXX and XXXX XXXX. They want paid back {$140.00} twice a month until XX/XX/XXXX. The contract is about 30 pages long and says different things in different places in the contract. I will email it to you if you want. This contract and loan is unbelievable. I am trying to get by on social security and this caught me when I needed immediate cash to pay some things to keep me going. Any help would be appreciated. .This loan was made on XX/XX/XXXX from. Speedy Cash in XXXX, Kansas. I tried talking to them several times but they wo n't budge. They are impossible. I tried to get the interest rates reduced and a reasonable payment plan but they wo n't budge.
Product: Mortgage

XXXX : XXXX XXXX XXXX " No SSN or Hard Credit Pull Required Typically for Pre-Qualification* '' on its website, but then did a hard credit pull without my authorization. I never gave them my SS # or my wife 's, in fact I do not even know her SS #, yet they seemed to have them on file already from a prior mortgage application ( with a different bank ), and used them to do a hard inquiry on both of our credit histories without our consent.
Product: Credit reporting or other personal consumer reports

Late payments were due to other causes beyond my control. I opened a new credit card account XXXX XXXX XXXX in XX/XX/XXXX. They forced me to merge this account with my existing XXXX XXXX XXXX account in XX/XX/XXXX and they deleted my autopay. I added bank account again on XX/XX/XXXX after the account merger was complete for setting up autopay. However, I was unable to set up autopay because of issues with XXXX online payment system. On XX/XX/XXXX, I realized that XXXX had reported my account to Credit Bureaus for missed payment, when the mistake was solely of XXXX. During the last three months, they have failed to communicate with me via email or text or phone about setting up payment on their faulty system, because of which I can not set up autopay. During the conversation on XX/XX/XXXX, XXXX financial customer service helped me set up the autopay, which I was unable to do so before. The payment was processed on XX/XX/XXXX and the account is current now. 

Required Resolution : remove late payment from my credit history as it was due to mistake from XXXX XXXX. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

Valley bank location XXXX XXXX XXXX XXXX XXXX, had been informed that a family member with beginning on set XXXX and another who was XXXX XXXX had decided to give me, a valley account holder access to make deposit across accounts using checks for these XXXX XXXXXXXX relatives to have direct trusted assistance with their accounts during these difficult times. Family member A. XXXX  had been victimized by neighbors and brought to cash checks under the guize she was convinced they were lost family members creating a conflict of interest and multiple criminal acts. Two family members contacted the bank, local PD and XXXX XXXX social services XXXX abuse divisions, which did not exchange information or pursue any action against the alleged criminals directly. Bank then tried to take action against the family members rightfully and legally intervening. XXXX XXXX 2nd family member had recently become legal owner of her father\s house upon his death and as a legally XXXXXXXX XXXX had contracted my Finance/property LLC at cost to manage her holdings as heir. As both family members wrote checks and were deposited into the same account, bank has frozen/closed account without any proof or contacting of involved parties. Bank has also acted in retaliation in the past towards myself for serving as lead plantiff in class action which settled in XXXX Additional actions include but are not limited to previous issuing of invalid debit cards and unilaterally canceling a direct withdrawal for a 3rd family members life insurance resulting in the early wrongful termination of a XXXX figure policy that hdad been paid into for years prior intentionally.
Product: Mortgage

I applied for a loan modification as part of Mr. Cooper 's short sale process on XX/XX/2019. I received an email message on XX/XX/2019 saying some documents were missing. I called and left a message with our designated loan specialist on the XXXX. When I did not receive a call back, I sent an email on XX/XX/2019 explaining the requested documents did not exist, or had already been sent. I called again on XX/XX/XXXX without a return call. I resent an email on XX/XX/XXXX, explaining the documents requested by Mr. Cooper to proceed with the loan modification/short sale have already been sent, or do not exist. I did not pay the mortgage on XX/XX/XXXX. I also missed the payment due on XX/XX/XXXX. I have still not received follow-up information about the loan modification/short sale process, but I have started receiving phone calls from a number registered to Mr. Cooper. On XX/XX/2019 I received one call, with no response on the other end when I answered. On XX/XX/2019 I received three phone calls, none of which had responses when I answered the phone. I have been answering the calls, in hopes of resolving the issue. They continue to harass with calls, without responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have contacted XXXX XXXX, XXXX, XXXX, Capital One, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX  ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( CAPITAL ONE BANK ) - XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account and your negligence has violated my rights. I am demanding a deletion of the following account. ( XXXX XXXX XXXX Account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

american Honda Finance reflects reflects multiple XXXX day on acct. These are inaccurate. Never late.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit card

My house was robbed in XXXX while away for my own wedding out of the state. While on the way home we received calls informing us of uses of our credit cards that were clearly not us based on time and location. We went through all of our accounts and got new cards from XXXX and XXXX XXXX and called Citibank to inform them of the incident so it could be resolved. We only use the Citibank card for military moves because thats its only purpose then we pay it off immediately because those are the rules of using the card via the military. Recently we received notices saying we stilled owed money to the card and called to resolve the confusion. Citibank told us about the email we didnt see before and they advised us to send an email of the police report which we did immediately over 2 weeks ago. As of now they havent responded to the report, and a follow up email I send last week Friday.
Product: Debt collection

My friend and co-worker XXXX XXXX, asked me to co-sign for a car loan. After agreeing to co-sign and providing him my personal information, he advised the loan was denied. Later I saw him driving a car which he then said was purchased by my self and his brother as his co-signers. I had never signed any papers and when I told him that he just brushed it off. 3 weeks ago I received a call from XXXX XXXX XXXX who introduced herself as My co-workers friend who was also on this loan and whom also never signed any papers. She was able to obtain a copy of the bill of sale and it appears that she is the primary and I am the secondary. XXXX XXXX is not on the loan. The signatures on the loan are not ours. A police report ( XXXX ) was filed. We spoke to XXXX XXXX, the GM at XXXX XXXX where the purchase was made as well as Ally Financial who owns the lean. We do not know where XXXX XXXX or the car is. The last conversation we had with him by phone in early XXXX 2017, he said he would turn in the car. That never happened.
Product: Mortgage

I purchased my house on XXXX XX/XX/XXXX. My VA mortgage payments were {$660.00} per month on a 30 year fixed mortgage. In XXXX my mortgage was sold by the original lender to a new firm called Mr. Cooper. Mr. Cooper raised my mortgage payments to {$920.00} per month and informed me that rate would remain for one year due to no taxes being paid in XXXX in the year I purchased the house. That was news to me since that should have been handled by the mortgage companies involved. Needless to say, with little warning a jump of {$260.00} per month coupled with inflation and a reduction in my income at the same time caused me to drastically alter everything in my life to make ends meet. In XXXX of this year, Mr. Cooper adjusted my mortgage payment to {$790.00} per month. Meanwhile, I turned XXXX in XX/XX/XXXX and filed for an over XXXX tax exemption for the county I live in in Alabama. Those reduced taxes took effect in XX/XX/XXXX. My taxes went from {$1400.00} per year to {$600.00}. I submitted this document to Mr. Cooper on XXXX XX/XX/XXXX so that Mr. Cooper would adjust my mortgage payments correctly. I was surprised then to see my mortgage payment still to be so much higher than when it originally started. After several Email and telephone calls, Mr. Cooper stated they pulled the tax information from the Alabama tax website. My local tax office informed me this website was not up to date and I informed Mr. Cooper they were using wrong information and the tax paper I sent them from my local tax office in XXXX county was correct. The tax official even told me to give them her number so that Mr. Cooper could call her. My mortgage should be dropping and not going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to XXXX XXXX XXXX XXXX that this credit card company letting them know that is Inaccurate information not belonging to me and it needs to be deleted immediately Dates XX/XX/2019Dates XX/XX/2019 The unverified items listed below remain on my credit report in violation of Federal Law. And they required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have not been provided this information
Product: Debt collection

They asked me for personal information. i told them i dont give that over the phone. The guy told me so your not ready to cooperate hung up and called me XXXX time s in a row. I called them back and ask them to stop. he then stated that he need to verify me again. i said i dont know you and i wont give you personal info he said we ll keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I have made three attempts to have the incorrect information on my Equifax and other credit reports corrected made by XXXX XXXX XXXX and the credit bureaus and have also filed complaints with your office and the IL Attorney General. I closed this line of credit with XXXX XXXX XXXX over a month ago when I also closed my checking and savings accounts and at that time I also requested they report all as closed per my request to all of the credit bureaus and they have not!!!! 

They are still showing the account open with a balance of {$500.00} and are not showing all payments were made as agreed and timely either!!! I want all payments shown as made on time, balance as XXXX and account closed and noted closed at my request now!!!! 

I also want them to update the same with all of the credit bureaus and I want a free and corrected copy of my credit reports from all three credit reporting agencies mailed to your office and myself within a week of them receiving this complaint!!! This is the 3rd time I have requested this information be corrected and it has been months and still is not, they are breaking the FCRA laws along with many others and need to be fined and shut down!!! 

I have also forwarded this information on to the IL Attorney General and my attorney for review as this misinformation has caused me great harm to my reputation. I am a XXXX employee!!! If they are too incompetent to do their job, they need to be shut down!!!!
Product: Credit reporting or other personal consumer reports

I opened a dispute with XXXX, XXXX and TransUnion. However they did a personal dispute and not a dispute under the FCRA laws which is incorrect disputing to begin with. As of result the dispute concluded as is. Both XXXX XXXX XXXX XXXX XXXX XXXX did not remove the debt from my credit report.
Product: Debt collection

im writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. i discovered this issue on XX/XX/2025 when i was checking my credit reports through notification from a creditor. Name of the financial institution or company showing on my credit report is collections Portfolio Recovery XXXX XXXX, portfolio recovery XXXX, Portfolio Recovery XXXX. I Did not authorize the opening of these accounts, and i am concerned about the impact on my credit and personal finances. I am requesting assistance in investigating this matter and preventing further fraudulent use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began i n  XX/XX/XXXX  orig inally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at  {$1200.00} as a charge off and it still showing up.
Product: Credit reporting

XXXX is on my credit it is to old and needs to be removed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS USED TO OBTAIN GOODS AND SERVICES THAT I DID NOT AUTHORIZE NOR DO I HAVE KNOWLEDGE OF. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS DD NOT BELONG TO ME
Product: Debt collection

On XX/XX/XXXX I received an email stating they are trying to collect on a debt I owe to my former landlord. 

i gave them a call on Friday XX/XX/XXXX letting them know that I do not owe any debt and asked them to validate the debt. I also let them know that my landlord and I settled this debt as part of our settlement agreement to resolve the unlawful detainer case they filed in court and that there was a clause in the agreement that was a general lease, releasing both parties I was initially faced with an illegal eviction attempt by XXXX XXXX. Realizing that my relationship with the landlord had become toxic, I decided it was in my best interest to leave the property. After some negotiations, we both entered into a settlement agreement in late XXXX. The terms of this agreement required me to move out by a certain date, in exchange for the cancellation of debt I owed due to XXXX back rent. The agreement also included other promises, like conduct in public forums and a mutual release clause. I fully complied with this agreement by XXXX, a fact confirmed by an email from XXXX XXXX, XXXX XXXXXXXX XXXX attorney, dated XX/XX/XXXX. 

Several months later, XXXX XXXX approached me, demanding payment for a supposed debt that had already been considered and released during our settlement agreement. This isn't just a breach of our agreement; it also constitutes harassment and retaliation. After I refuse to pay the amount, they demanded the matter was forwarded to a debt collection agency that contacted me on XX/XX/XXXX. On XX/XX/XXXX I called them and asked them to validate the debt. I also let them know that the debt that they are trying to collect on has already been settled and let them know that I will provide them documentation. I never received any validation of the debt from them, and I provided them a copy of the settlement agreement in addition to recounting the story to them about the timeline of event, and I never heard back from them. I noticed on XX/XX/XXXX that my credit report showed a debt account in collections by debt collection agency and they reported my debt to a collection agency. I have tried to reach out to the debt collection agency to speak to them about this matter, and they have refused to speak to me, stating that I have some attorney representing me, which is not the case, and they refused to speak to me at all about the matter.
Product: Credit card or prepaid card

I was told I had a balance transfer offer after I inquired. However, the date had past and no balance transfer offer expiration date has ever been included in my billing statement. When I reached out to the company they said I could only view the date if I went into the app and viewed the offer while it was active. When I asked where in my statement the expiration date was I was told they can not view my statements, their is nowhere to view my agreement online, that it should have been mailed ( I opted into digital communication ), and that I should fax or write a letter to them about my concern.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX, XXXX XXXX, onXX/XX/2019, XXXX XXXX-NY and on XX/XX/2019, XXXX - XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I owed approx XXXX $ to synchrony financial through paypal. They sent this debt to collections after being 8 days late and did not send me any notification that this would be sent to collections. I confirmed via phone call on XXXX that no actual notice was provided. I tried to pay three time on XXXX in full, but their system still has not processed. 

This was an unfair practice on a high interest consumer account. I was floored when it was sent to collections without a notice.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
XXXX XXXXXXXX account XXXX XXXXXXXX Reported a high balance of XXXX  which is inaccurate, reported a past due balance of XXXX which is inaccurate, reported XXXX month terms which is inaccurate, reported payment status as collection which is inaccurate, date opened is inaccurate, & date of status is inaccurate. 

Provide me with proof of how that information in verified such as how the debt was verified, how the balance was verified, provide me with a contract with my significant stating that I agreed to pay XXXX XXXX any money. If you fail to provide the requested documentation regarding this dispute within XXXX days you MUST remove account from my credit report immediately or you will be in violation of the FCRA and you will be held liable to me for statutory damages per each violation.