23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a loan with XXXX XXXX. XXXX XXXX went out of business and sold my loan and information to a company called SST. After a seminar Service members were educated on the SCRA act and certain states statutes. I filed for SCRA with SST and they declined to acknowledge my Louisiana Residency stating that the loan was a personal loan IAW RS 29:311. However, LA RS 29:311 for Louisiana also covers notes, in which a promissory note was signed. As well as LA RS 29:312 also states that the XXXX credit limit should not exceed 6 % from all obligations.
Product: Credit reporting

I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$7.00} XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$8.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text from phone number XXXX stating that my CITI account had a {$780.00} transaction/withdrawal attempt that was declined from XXXX XXXX XXXX When I tried to call the number, it was not CITI. Since this happened today, Sunday XX/XX/XXXX, I will have to wait until tomorrow to call CITI. I was also provided with a link to CITI, XXXX XXXX XXXXXXXX. This link connected me to a CITI log-in.
Product: Student loan

Mohela calls every hour regarding debt collection. This is against the law. They call every hour on the hour and will not stop. This company should be banned. It abuses every consumer rule there is and I can not believe it is allowed to get away with this.
Product: Credit reporting or other personal consumer reports

While checking my most recent Equifax credit report, my credit report shows some inaccurate accounts and credit inquiries that I do not recall authorizing. 

Online Information Services is in violation pursuant to 12 C.F.R 1006.30 I have no knowledge of, nor history with this company. 
Please remove the following account immediately. 

Online Information Services Account : XXXX After the discovery of the derogatory information, I immediately reached out to Equifax to notify them of the violation and they did not do a proper investigation, and listed the account as verified. 

Since Equifax did not correct the violation error, they too are now in violation for reporting such information. 

As stated above, my credit profile should not be compromised because XXXX XXXX XXXX did not follow proper procedure in accordance with 12 C.F.R 1006.30 and therefore this account needs to be removed immediately. 

Also, please remove the following inquiries from my report. 

XXXX XXXX  XX/XX/year> XXXX XX/XX/year> I demand Equifax validate this info with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing and inquiry, or remove immediately. 

Please, either provide me with strict proof I authorized this inquiry such as signed application or contract or recorded telephone call or delete these inquiries immediately, as they are not attached to any open verifiable accounts. 

If you do not have or can not provide strict proof of authorization please delete the inquiries immediately. 

If these issues are not resolved, I will have no other choice but to take legal action pursuant to 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute complain to transunion to remove inquires from my file because they were not supposed to be there but they refused with out any explanation. 
file a dispute XX/XX/2018 and waited for month.
Product: Vehicle loan or lease

The XXXX. XXXX XXXX was repossessed with any written notification prior authorization to so on the date of XX/XX/XXXX. Following the repossession the vehicle was never disclosed on a location when I tried ti retrieving it and paying the balance. Personal property was stolen from the vehicle by XXXX XXXXXXXX XXXX DL debt card cash. Further more bridge crest did NOT posses a legal document for the XXXX XXXX because the rewritten reinstated contract was not signed by me. It obtained a fraudulent autograph. I have the proof.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate payments history on my account for my XXXX  XXXX credit card its showing 60 days late for no reason
Product: Checking or savings account

I paid the future landlord rent of {$1900.00}, moving fee of {$500.00}, pet fee and garage rental fee of {$350.00} and {$240.00} for applications using my Chase business checking card. The apartment on the moving day turned out to be unsuitable for moving in or living. I contacted the person and he wouldn't respond for 2 days. I disputed the charges with Chase providing 43 pages of documents, evidencing inhabitality, violations of the space, no mail delivery from Post Office and basic negligent state. Chase refused my claim and provided all the money to the slum landlord. My 6 years of being business customer of Chase is violated and most definitely the slam landlord  part is the sickening insult to an injury and monetary damage. 

I learned from official XXXX County records that the space is not residential, has numerous violations of safety and the person who claims to be the landlord is not listed as the owner. I am providing all the documents to evidence that along with the highlighted provisions that justify my cancelling the lease by XXXX Landlord Tenant Ordinance that states that non-hability and non-possession are  grounds for cancelling the transaction.
Product: Mortgage

When my daughter and son-in-law refinanced their home on XXXX/XXXX/2012 Quicken Loans did not file a Release removing my name and my husbands from the deed on the house. We had cosigned on a prior mortgage but not on the one with Quicken. Subsequently, creditors we were unable to pay filed liens against the property. We are unable to pay the liens and this has caused my family to be unable to refinance or sell the property.
Product: Debt collection

My XXXX  at XXXX XXXX XXXX XXXX ordered an XXXX in XX/XX/2019, which was pre-authorized by XXXX, a third party hired by XXXX. I had the test which cost {$2600.00}. Unfortunately, XXXX submitted the claim using an incorrect care provider code. XXXX refuses to honor the pre-authorization and sent this bill to their debt collectors at Credit Service Company. I was incessantly bullied by the debt collectors into paying {$320.00}. This bill is still under review after 19 months and has been reported on my credit score. I have documentation from my insurance carrier XXXX that I am not responsible for this bill.
Product: Credit card or prepaid card

On XX/XX/2023 I took a cash advance from an ATM from my account ending in XXXX in the amount of {$2000.00}. Less than two hours later on the same date I made a payment of {$2300.00} to the same account. Bank of America decided to delay the withdraw by one day to XX/XX/2023 therefore applying my {$2300.00} payment towards purchases and not to the cash advance which carries a much higher interest rate. ( This is against Federal Law ) On the same day XX/XX/2023 I took another cash advance in the amount of {$2000.00} with Bank of America with account ending in XXXX. I made a payment of {$2100.00} hours later and it went directly to the cash advance because Bank of America posted the withdraw date on the XXXX of XXXX as it should of been. 

Sincerely, XXXX XXXX
Product: Mortgage

A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter certified to Experian on XX/XX/year>, here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Experian stated they completed the investigation but all the info requested was not provided or updated, I was asking for the original loan amount, the original date the creditor reported not the collection agency 's that kept purchasing the debt, they have the collections as if the loan just became delinquent and not all the original info for the original creditor as stated XXXX. this is some of the things I asked for. 
XXXX Creditor : The name and address of the original creditor who extended the credit. 
XXXX. Original Delinquency Date of XXXX : The date the debt was incurred. 
XXXX. Amount of XXXX : The original amount of the debt. 
XXXX. XXXX XXXX : The current balance of the debt. 
XXXX. Validation of Debt : A copy of any written contract or agreement that I signed.

I believe this is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b.

I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response thank you.
Product: Credit card or prepaid card

CapitalOne approved me for a pre-approved MasterCard credit card in approximately XX/XX/XXXX. 
They then billed me for an Unauthorized purchase in XX/XX/XXXX. They then began an investigation according to the applicable federal rules. The matter was resolved in my favor and the purchase was removed by the company. In fact CapitalOne eventually removed the unautorized charges from my account. However, CapitalOne insists on charging me monthly late fees for the time that they were investigating the the dispute. I don't believe that they are allowed to do that. Please direct them to remove the charges and amend my Credit Report. 

Respectively Submitted, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus are giving me a hard time. Experian, XXXX, and XXXX are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Please delete the late payments on XXXX XXXX XXXX accounts # XXXX and from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXX also review the account there are a discrepancy and they refused to review regarding the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent inquiry on my credit report. I want it investigated and removed.
Product: Debt or credit management

Using XXXX  ( a credit building service/company ) I was lead to Money Management International to help in sorting out/reducing debt amounts and managing payments towards my debts.

While on the phone with MMI reps discussing my needs and getting together a DMP ( Debt Management Plan ) I was transferred 3 times. Once because the 1st person I spoke with had to join a meeting. I had mentioned several times I was trying to eliminate my debt while raising my credit score in order to buy a house/move as my lease was ending soon. 

After what seemingly had worked out a DMP I was sent a bunch of Electronic papers to sign and did so. 
I saw NO notice of my current credit card accounts being contacted and closed nor did anyone mention anything other than accounts collections debts. 

A week of so after signing my DMP with MMI I started receiving notifications from my current IN GREAT STANDINGS credit cards companies that they would agree to MMI 's terms and close the accounts. 
I could have died, almost wish I had. 
All the money I had for Deposit/moving costs where disappearing. My Credit which I was working hard to increase would now significantly suffer do to this erroneous mistake. 

I called the person who I last talked to twice over the next week, he never return my call. 
After the XXXX day I called and asked to speak to a supervisor. He was seemingly helpful to get out letters that day to my credit card companies in explanation of the error asking them to reverse their actions in closing my accounts. To NO avail. 

I'm left hating this world, credit, credit cards, credit building services and Money Management International. 

I will now most definitely be homeless in a matter of weeks with XXXX of dollars in credit vanishing overnight. 
That and what will soon be my credit score dropping back under XXXX. 
Days before I called MMI it was at XXXXXXXX XXXX XXXX now at XXXX and soon to dive down because of this simple but easily avoidable horrific mistake.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I had a loan mod at 3 % which went up to 3.65 % last year. I requested a loan modification, and th bank sent me an offer that raised my mortgage by almost {$1000.00}, I was assigned an account rep with poor English and little understanding of finance, who badgered me with phone calls, saying that I was the one who had requested increased payments, and wouldn't listen when I explained that I expected to get a LOWER offer. I nerve agreed to a modification and never signed any paperwork. The bank began charging me a higher payment, and I continued to pay my regular amount. The bank did not deposit my payment for several months, and when they did, they said my payments were short, charged me fees and have marked me as delinquent. 

I filed a previous complaint, and the bank sent a letter saying that none of this happened. I am attaching my payment history and statements from the last 3 months to prove that it has.
Product: Checking or savings account

I have a Citizens Bank Home Equityline of credit tied to a conventional checking account. Payments to the Equity line are automatically deducted from the checking account monthly. In XXXX of 2017 I overdrew the checking account with the automatic payment on XXXX XXXX. On XXXX XXXX I transferred {$5000.00} to the checking account. I assumed that money would go to pay the overdraft. However what I did n't know was that a separate account had been set up without my knowledge and that the money did not go to pay that ( see attachment 1 and 2 ). I have been charged % 18 interest on that balance {$380.00} which I was n't aware of. I realize that when I opened the home equity line I signed an agreement that Citizen 's could set up this account but obviously I had no idea that the account would not be paid off when the balance on the checking account was several thousand dollars. I found out today that the only way to close this " overdraft account '' was to personally go to the bank branch and request it in person. My total interest charges are not large, {$45.00} but the principle is important. I believe that setting up shadow accounts at the time of overdraft and not closing them when the balance is positive is predatory and deceptive
Product: Credit reporting or other personal consumer reports

I Never Got Notified For No Upcoming Payment i Moved To Another address. 

15 USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

Today on XX/XX/XXXX, my wife received an unsolicated application in the mail that was open with the application removed. I tried calling Capital One to flag the application and they wouldn't do anything without giving out personal information which we did not want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello. 

my credit report looks very suspicious there is hard inquries and wrong balance showing on the report so im not able to do anything with it i tried to despute with company im not getting any result i have not had a car in 8 years i see hard inquries on my report I never had XXXX phone but it shows i owe them money and couple of credit card in my name that i haven't had in atlest 8 or 9 years so please help me take care of this problems thank you
Product: Credit reporting or other personal consumer reports

Im filing a complaint Equifax, for failing to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with XXXX  Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX  MasterCard isn't releasing my credit info but I keep getting charged by all 3 credit but was monthly and it's making a score of XXXX it's not right it was XXXX they are robbing me with bank fees to at XXXX XXXX  XXXX  in XXXX  ky XXXX it's litteraly the credit bureau charging me over and over and XXXX XXXX us treasury card is being robbed. Some XXXX XXXX XXXX laughed at me like it's an error and it's not funny. Only credit card I got is XXXX  XXXX Comerica government card and it's secured my credit should be stellar never missed a payment on my at & t bill ever either. It's not fair