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

In XXXX XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XXXX XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XXXX XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XXXX XXXX and still found XXXX XXXX  reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XXXX XXXX XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that XXXX will investigate this account for me to ensure accuaracy Here is the account I am asking to verify as accurate : XXXX XXXX  account Number : XXXX
Product: Mortgage

My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.
Product: Debt collection

While reviewing my credit report, I noticed S.w Credit System L.p. reporting inaccurate unverified information on my credit report. I do not recognize this company. This inaccurate information is causing stress and loss of income.
Product: Bank account or service

Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX.I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an Fdcpa lawyer.
Product: Credit reporting or other personal consumer reports

Contacted Transunion to investigate unauthorized inquiries they advised they do not remove inquiries but this is fraudulent and I advised them I have an FTC report in which they did not accept or advise on how to furnish the FTC report to them
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I trust this letter finds you well. I am writing to address concerns regarding inaccuracies in the reporting of my personal information on my credit report. 

Upon recent review of my credit report, I have observed discrepancies in the information associated with my profile. While my current residence, as of the date of this letter, is accurately reflected in the address listed above, I have identified errors in the reporting of my date of birth and name. 

In light of this, I am reaching out to rectify these discrepancies promptly. To facilitate the correction process, I kindly request the following actions be taken : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/ Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The presence of outdated addresses is posing challenges in verifying my identity and adversely impacting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Recognizing the importance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving these discrepancies will significantly enhance my ability to conduct financial transactions seamlessly. 

I kindly request that you investigate and address this matter within the timeframe stipulated by law. I anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I value your cooperation and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; 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
Product: Credit card or prepaid card

The complaint is being filed against Citibank for 2 credit card accounts : Citi XXXX XXXX & Citi XXXX XXXX. 

I received emails for each account on XX/XX/21 indicating that my credit limit was being lowered for each account based on reviewing my most recent FICO report from XXXX. In both instances the limit was lowered to the available balance of about 1 minimum payment, effectively maxing out both cards where there was otherwise reasonable credit limit available. 

Citi XXXX : Original Limit {$22000.00} reduced to {$17000.00} ; I went from having {$5100.00} available credit to having {$370.00} available with minimum payment due of {$300.00}. 

Citi XXXX XXXX : Original Limit {$3800.00} reduced to {$2000.00} ; I went from having {$1700.00} available credit to having {$58.00} available with minimum payment due of {$56.00}. 

I contacted customer service ( finally reaching a live person after about 6 menus of options but that is another issue ) to ask if there was something wrong with my payment history as to why they would reduce my credit lines. I was told it had nothing to do with my payment history and she basically read the reason stated in the email letter they sent. I was told I had to contact XXXX to see if there was an error and this is just their policy and basically there was nothing she would do. I advised her that I would be filing a complaint. 

My balances are higher than normal and I'm pretty sure everyone 's balances are higher given the effects of the pandemic. I have paid on time and all bills are being paid regardless of higher than normal balances on my credit cards. My FICO has fallen given these higher balances but is still in good standing. I have been close to maximum limits in the past with this company and instead of lowering my limit they have automatically increased the limit. Lowering the credit limit on each account to the point where it is now at the maximum limit, seems unfair and abusive to the common customer. I work for a XXXX  and our mission is to assist the customer through this financially difficult time given the pandemic. This action of lowering the limit to max out the credit limit is unfair and abusive to any customer. I am certain that I am not the only customer that this has happened to and that is why I am filing this complaint. 

My account is in good standing, paid on time every month. The resolution I seek is to have my original limits reinstated and not be subjected to arbitrary limit changes going forward. If I were not paying my bill, then I could see not wanting to allow me more credit, but that is not the case and my payment history with this company will show that.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] XXXX : [ XXXX XXXX ]
Product: Debt collection

In XX/XX/XXXX, I saw an entry on my credit report from XXXX XXXX XXXX for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last XXXX of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to Texas Finance Code what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, XXXX XXXX sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to XXXX in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with XXXX. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with XXXX XXXX and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all three bureaus immediately and all collection attempts ceased.
Product: Debt collection

Hello My name is XXXX XXXX I financed a car back into XXXX from credit acceptance XXXX, in XXXX I lost my job and husband in the same year and became behind on my payments. They came and took the car and they never sent me itemized bill or any options to get the car back. Some time in XXXX I was notified about this and I asked for an itemized bill or a statement for what for what owed them since the care was sold. At the end of XXXX I lost my job and now was looking for new employment. In XXXX and XXXX, I started to received threatening calls from a man but would never identify himself. He sounded like a scam or someone who was trying to scare me in to giving my information out. The calls stop and about 6 months ago they started again. I found a new job and have been working on my life and now my credit. this debit is 11 years old. I never had a chance to fight it or see if they cost was true and now because I am working again and working with agencies to help better my credit they have are now going after my wages ..This debit is 11 years old. This is a lot of money coming out my check and I don't believe I should be responsible for the full amount they are asking if any.. How long will this debit haunt me.. I am trying to get ahead and just like that i am pulled back down for a 11 year old debt. Is there any help for me. 
thank you for any assistance XXXX XXXX XXXX is the Attorney for credit acceptance XXXX. When I called them they said they will have to go to a storage and pull my file since it is old.. '' Ya think XXXX XXXX XXXX XXXX
Product: Student loan

I have worked in the public sector for almost my entire career. I consolidated my student loans in XX/XX/XXXX ( all Unsubsidized and Subsidized Stafford Loans ), that I accrued while attending XXXX XXXX at XXXX, as well as XXXX XXXX at XXXX, from XXXX. I have been making payments on those loans since XX/XX/XXXX, with a few deferments here and there because life happened. In XX/XX/XXXX, I asked my loans to be transferred to MYFEDLOAN from XXXX, my prior servicer. I also have record of all of my years of payments to XXXX, but the most recent few years of payments to MYFEDLOAN accompany this complaint. I changed loan servicers to MYFEDLOAN to begin the PSLF process, as I had worked for the 10 years the PSLF program required. MYFEDLOAN stated, after review of my application, that I had been placed on the " level '' repayment plan, vs. the " income based '' automatically, years ago, and therefore NONE of the payments I have made since XX/XX/XXXXhave counted towards PSLF. I was never told of this change. In addition, since I have transferred my loans to MYFEDLOAN in XX/XX/XXXX, NONE of those payments have been counted toward forgiveness, despite repeated phone calls to MYFEDLOAN. The record of those payments accompanies this complaint, and I have all documents covering payments made to XXXX as well. I would like my loans forgiven, as promised. I also want my last few years of payments to be counted toward forgiveness, because I am enrolled in the right repayment plan, and MYFEDLOAN still refuses to count those payments.
Product: Student loan

I have attempted multiple times to get my co-signer released from my student loans. We have paid 12 months of interest up front, as well as all the other steps listed on their website yet I am still being denied. No one returns my phone calls. I need my cosigned off.
Product: Debt collection

Credence Resource Manage put a collection on my credit report for {$200.00} in XXXX XXXXI have not receive any notice of this debt. I need to confirm the validity of the debt
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncomplian
ce ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!