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

In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted transunion XXXX and XXXX. Nothing has been done. A lawsuit is next
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Regarding false collection activity from - Merchant 's Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX I'm filing this complaint today, to bring to your attention, the actions of Merchant 's Credit Guide. This company is a XXXX-based collection agency that has placed TWO collection account actions on my XXXX   and XXXX credit reportsts. As a result, my credit scores have dropped almost 80/50 points, respectively. 

After further investigating these reports, specifically speaking to the company that Merchant 's Credit Guide claims I owe ( XXXX XXXX XXXX ) I've learned from from them there is NO RECORD IF  ME/SERVICES RENDERED TO ME/BALANCE OWED BY ME on file. 

XXXX XXXX XXXX Billing - XXXX, XXXX I've also spoken to the insurance company that paid all of the workman 's comp claim from last XXXX XXXX injury and they stated that they have - NEVER BEEN INVOICED BY XXXX XXXX  XXXX   and that every claim was paid in full. 

This collection company is clearly COMMITTING FRAUD. Not only are they misrepresenting an organization in an effort to try and steal money from me, but they're refusing to correct this matter until a payment arrangement is made. 

I'm asking that you take action against them immediately. I'm also interested in learning what recourse I may have, as a result of what happened to my credit score. 

I can be reached XXXX XXXX. / XXXX XXXX. Central Time, Monday through Friday. XXXX
Product: Credit reporting or other personal consumer reports

Experian was reporting things on my credit report incorrectly. I score dropped significantly and when I sent in disputes, they were not taken care of in a timely matter. My information I informed them was part of a data breach and the didn't take this seriously.. now I have multiple late payments things in collections I don't know about. Now I cant get a new house because of this..
Product: Mortgage

I had paid to have my insurance payments in escrow by Flagstar Bank. Flagstart failed to renew my insurance and did not notify me until XX/XX/XXXX. As soon as I received this notice I purchased insurance. Now Flagstar is claiming that I did not have insurance from XX/XX/2020 to XX/XX/2020 and charging me a premium to obtain insurance. I did have insurance till XX/XX/2020 so they are not giving me credit for this time. The reason that I did not have insurance from XX/XX/202 to XX/XX/2020 is due to they fact that Flagstar did not renew my insurance even though they are supposed to since I am making payments to escrow. I have contacted my previous and current insurer and neither will write a policy for a past period, so Flagstar is asking for something that is not even possible and it their fault to begin with.
Product: Mortgage

1 ) On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Citi Mortgage. I mistakenly sent {$3500.00} instead of the correct amount of {$3800.00}. 
2 ) Citi Mortgage cashed my check on XXXX XXXX, 2016. 
3 ) On XXXX XXXX, 2016 Citi Mortgage mailed a mortgage notice that stated " Our records indicate your mortgage payment is overdue and we have not received it ''. 
4 ) I was traveling out of state on business XX/XX/XXXX. 
5 ) I first opened and read the mortgage late notice and statement the evening of XXXX XXXX, 2016. On the statement it shows an amount due of {$7700.00}. this amount includes the XX/XX/XXXX and XX/XX/XXXX mortgage payments of {$3800.00} and a late fee of {$15.00}. THIS STATEMENT IS DECEPTIVE, CONFUSING, AND MISLEADING. Citi Mortgage had received and cashed my partial payment of {$3500.00}. 
6 ) XXXX XXXX, 2016 at XXXX XXXX. XXXX on I called the Citi Mortgage Customer Service Department. I was told the conversation was being recorded. The Customer Service Representative agreed to eliminate the {$110.00} late fee due to our perfect prior payment history. I was instructed to mail the {$300.00} XX/XX/XXXX balance and the XX/XX/XXXX payment of {$3800.00}. I offered to make the payment by credit card and they refused. I mailed the {$4100.00} payment and my on-line checking account record shows the check was deposited XXXX XXXX, 2016. 
7 ) Citi Mortgage mailed a Default Notice dated XXXX XXXX, 2016. I received and opened the Default Notice on XXXX XXXX, 2016. The notice states : " We have notified a credit bureau about a late payment, missed payment, or other default on your account ''. CITI MORTGAGE DAMAGED OUR CREDIT LESS THAN ONE DAY AFTER I LEARNED OF THE {$300.00} SHORT PAY AND AGREED WITH THEIR CUSTOMER SERVICE TO SETTLE THE MATTER. 
8 ) As instructed, I mailed a letter of complaint to Citi Mortgage with all of this information. Their XXXX XXXX, 2016 letter of reply refuses to change the status of our credit bureau report. My XXXX XXXX credit rating has gone from XXXX to XXXX. THIS IS UNFAIR AND UNETHICAL. 
9 ) I request the assistance of the CFPB to correct this situation and to help me clear my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XX/XX/XXXX.
OnXX/XX/XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. OnXX/XX/XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for onXX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today,XX/XX/XXXX, I  received an updated credit report from Experian showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 It was reported to XXXX  that my account with XXXX is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to XXXX from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with XXXX I have made the full payment every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple  Inquiry Removal Letter  on  XXXX   XXXX ,   XXXX   by certified mail to Equifax in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They responded with a letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response so quickly after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home soon and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.      XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I saw on all of my credit reports that there are well over XXXX Inquiries that are fraudulent and must be DELETED within XXXX days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to XXXX and XXXX XXXXnd REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX and XXXX. DELETE ( ALL ) FORMER NAMES from XXXX DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : SELF EMPLOYED, XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( XXXX ) XXXX, XXXX XXXX AND EQUIFAX XXXX AS XXXX OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN FOUR BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to 15 USC 1681c-2. SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit card or prepaid card

I was late my a day making my payment in XX/XX/2020 XXXX the payment was due XXXX XXXX, I paid my balance in full on XXXX XXXX ). Consequently, Comenity assessed me a late fee. I called on XXXX XXXX and spoke with a representative to ask them to waive the late fee. The representative stated that they could reduce, but not completely waive, the late fee, and that my new amount due would be {$15.00} ; I paid {$15.00} that day. However, Comenity never reduced the fee as the representative had stated, and has continued to charge late fees every subsequent month, as well as interest charges on the late fee balance, which together now total {$170.00}. I sent Comenity a message through their secure message center on XX/XX/2020, indicating the error. Comenity replied on XXXX XXXX that they were not responsible and would not resolve the problem. On XXXX XXXX, I filed disputes with the three credit bureaus. Comenity called me on XXXX XXXX and I again indicated that all the fees and interest charges were the result of their error ; they again indicated that they would not resolve the problem.
Product: Money transfer, virtual currency, or money service

I will need all unauthorized and refunded monies .it 's been multiple times I've tried to contact
Product: Checking or savings account

I had received notice via email that my checking account balance was overdrawn. I logged into my account to transfer money from my savings. Once logged into the savings, my account showed an available XXXX dollar balance. There was no trace of where the funds had gone and I did not receive a verbal or written ( via mail or email ) there was any issue with the savings. I called in and was told our money was on a hold and would be released XX/XX/XXXX. Upon becoming upset as this is interfering with money to feed and provide for my child, I demanded a supervisor. After XXXX minutes being on hold, I spoke to XXXX. I was advised by the original agent XXXX was a supervisor. I explained to her my current situation and notified her no notices were sent. She looked back and confirmed my statement. She noted they can only remove the block on my money in the savings when I get the checking account in positive standing. I asked her to apply the money from the savings but she deflected answering this request and said this would go to management for review. I asked her what her position was and again, deflected the question. She only reiterated the account needing to be in positive standing to release the hold. I advised her every week we are paid and every other week another check comes in so the money is replenished every single week. We have banked with this company for about a year and been in negative balances before and have never had an issue like this.
Product: Consumer Loan

I am XXXX with an excellent credit and Toyota XXXX had me pay a 1.9 % on my car loan.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/2024 New inquiry XXXX XXXX XXXX I have no idea what it is and didn't apply for this. 

XX/XX/2024 New inquiry XXXX I did not authorized this inquiry. 

XX/XX/2024 XXXX XXXX I did not authorized this inquiry and I've contacted XXXX  XXXX. 

XX/XX/2024 AFFIRM INC . I did not apply or authorized this account.
Product: Vehicle loan or lease

They over charged my account with falsified chargers and turned my car off
Product: Payday loan, title loan, or personal loan

On XXXX XXXX we payed off Title Loan. We had our Boat with trailer and a XXXX XXXX XXXX on Loan. We Received Title back on Boat and Trailer but not on XXXX. I have tried to contact them three times to obtain Title back, to no avail. Once by phone, once by letter and once by E-Mail. Title is suposed to be returned to us i believe after three days, They claimed when we called that DMV was slow and to wait- however we had already received title on Boat and Trailer. Other attempts to rectify have been ignored. it is now 3 plus months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the account is accurate, without providing any evidence of an investigation. This practice violates the Fair Credit Reporting act which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Protection Act ( XXXX ) Accounts Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and there are a large amount of inquiries that do not belong to me. I have reached out to the credit bureau to have these deleted 6 months ago. 

1. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 2. XXXXXXXX XXXX XXXX  - Date of inquiry XX/XX/XXXX 3. XXXX XXXX - Date of inquiry XX/XX/XXXX 4. XXXX XXXX  - Date of inquiry XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 6. XXXXXXXX XXXX XXXX- Date of inquiry XX/XX/XXXX 7. XXXXXXXX XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 8. XXXX XXXXXXXX XXXX - Date of inquiry XX/XX/XXXX 9. XXXXXXXX XXXX XXXX XXXX Date of XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX Date  of inquiry XX/XX/XXXX 11. XXXX XXXX- Date of inquiry XX/XX/XXXX 12. XXXX XXXXXXXX - XX/XX/XXXX 13. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 14. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 15. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 16. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 17. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 18. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX 19. XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX- Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX - XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus TransUnion, XXXX   and I visited XXXX still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Product: Credit card or prepaid card

I made a large payment in the amount of {$1300.00} to my Citi account and my credit limit was lowered from {$5000.00} to {$3200.00} immediately following my payment resulting in a 5 point decrease in my credit score. Had the limit stayed the same, my credit would have improved as it had done with my making on time minimum payments. My attempt to improve my credit actually made it worse. I want to pay down my debt without taking hits to my credit due to higher than normal payments. I am being held hostage to interest payments over a longer period in order to improve my credit. What Citi has done is not fair to me. I have been praying my bill as agreed since 2013, never missing a payment and they penalized me for trying to pay down my debt with them. This is plain wrong. How can I improve my credit without spending thousands MORE in interest on my high balance? The fact that they did this only after I made this large payment is fraudulent, predatory and goes against their advertising of treating customers fairly. They gave me a limit and penalized me for using it. It is wrong. What kind of relationship exists between Citi and its customers? I have been loyal to Citi spending thousands of dollars in interest with them to keep the benefits I enjoyed! I am as loyal as a customer can be. I feel betrayed by a bank I thought I could trust. They do not care about the customers credit experience. I am only a system generated credit card number where some algorithm determines that my credit payment history with Citi doesnt matter and to further penalized me for doing the right thing by paying down a balance to help improve my credit. Had I made another minimum payment, my credit likely have continued to improve. I am disappointed in the disloyal decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

i make a emergency loan with titlemax to try to save my house in the amount of XXXX that is already pay, plus over XXXX on interest and they keeping calling me to take my truck away, i only recive harrasing calls from them and a tow truck around my house everyday-i aply online for a title loan in nj and they aprove but send me to delaware. i find out that title loans are ilegal in nj