23daVinci/CFPB_Complaints huggingface dataset:
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. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX  XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The open date is different from XXXX XXXX -It 's a violation because all three are not consistent -The high credit is different from XXXX- It's a violation because all three are not consistent -The last reported is different from XXXX and XXXX -It 's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX-It 's a violation because all three are not consistent The 'date of last " payment is different from XXXX and XXXX 's a violation because all three are not consistent As far as the payment history is concerned, your company reported on time payments XXXX XXXX XXXX and then start reporting 120 days on XX/XX/year> and then it goes back to on time payment on XX/XX/XXXX, which means the payment history is not consistent with the other two bureaus. 

Please delete immediately
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both Reliance and XXXX for breach of contract, Respa Violations, Negligence, and etc.

I have disputed the inaccurate reporting of my payment history with Reliance, XXXX, XXXX and XXXX, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

Reliance/XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from Reliance/XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, XXXX and XXXX show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. Reliance/XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX XXXX and XXXX show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, RelianceXXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with Reliance/XXXX , XXXX, XXXX, and XXXX. I kindly ask that these negative marks be removed immediately from my credit reports.
Product: Debt collection

I have been contacted by ERC multiple times sinceXX/XX/2019, each time I haven't anwser the phone and no message have been left. On XX/XX/XXXX, after the third call I looked up the phone number and found out it was ERC, I filed a complaint with the XXXX asking for my number to blisted on their internal DNC list.  on XX/XX/XXXX I recieved a leeter from letter from ERC 's counsel through the XXXX   complaint center stating they would place me on thier DNC list. since then I have been contacted at work on the XXXX and today the XXXX from the same number and voice message left stating why and who their trying to call. the XXXX complaint number is XXXX. ERC has been contacted to not contact me through the phone and have continued to do so after stating they wouldn't. Also, as far as I know I owe no debts so I have no clue why they are calling.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several issues I have encountered with the credit bureau. These concerns include false account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is crucial for my financial security, and I would appreciate your assistance in addressing them.
Product: Credit card or prepaid card

We received letter from Chase Bank the interest rate on our Chase Slate credit card was being increased. This would be fine except the reason stated was " because your APRs are below the lowest APRs we currently offer on similar account s ''. As our lowest APR rating is XXXX I called XXXX and spoke spoke with XXXX to inquire what their lowest rate was. I was told this was just a rate increase notice my credit rating didn't matter. I want to know why they can put in writing a suggestion my credit is less than acceptable? I have worked hard to acheive a great credit rating and don't want Any adverse. Suggestion to hurt it.
Product: Credit reporting or other personal consumer reports

For the last 6 months i have been trying to remove negative items off of my credit report.. the accounts attached are not reporting accurate and is a violation of 1681e ( b ) ( b ) .. after disputing i get hit with either stall letters OR being told that my accounts are verified and accurate but they are still reporting inaccurately.. 

When told to validate the verification under 1692g.. i continuously get the run around or not provided the information.. if this cant be provided then by law the accounts in question need to be deleted.. also the accounts that have been disputed have not been reflected on my credit report and it has been way past 30 days.. ( which is a violation of 1692e ( 8 ) )
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Vehicle loan or lease

MBFS has failed to respond to me in reference to the Full satisfaction of claims contract they entered into on XX/XX/2021 Full Satisfaction of Claim. The terms of the contract are clear according to UCC 3-311 ( b ).
Product: Debt collection

Atlantic recovery solutions contacted me via phone on XX/XX/XXXX indicating they needed to speak to me or my legal counsel. I called them back same day and the man I spoke to was condescending, rude and was of no help. I then received a text from them on XXXX asking me to call a different phone number and provided a case # to reference. Again I called, the man didnt provide his name, took him 3 times to tell me the debt amount and then after several minutes of back and forth I agreed to a $ XXXX/month payment to stop the harassment and threat of legal action with the promise that they would email me all of the documentation that evening. I received no such email. After multiple emails and another phone call I finally receive an email with an attachment that has someone elses name and information on it! After receiving this email with someone in Floridas information I contacted my bank to cancel my card to stop this payment. This leaves a lot of anxiety about the security of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, Equifax and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached  letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.
Product: Consumer Loan

Exeter XXXX keeps calling my cell number and work trying to get me to payan outstanding balance of {$360.00} they say I owe for a late payment that theycant tell me what month exactly it is that was not paid. Their are also showingnegative info. on my credit report due to this problem.
Product: Debt collection

After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX 0f 2022 someone transfer {$5.00} K to a unknown account 1 day later i called the to stop the transaction but they did not stop the transaction its been all most one year and i still waiting for the bank to give my money back im talking about BANK OF AMERICA
Product: Debt collection

They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.
Product: Credit reporting or other personal consumer reports

I am trying to fix my credit report and noticed all these hard inquiries on my report I did not authorize or make. I tried to contact the credit reporting agency transunion and have not been successful. Tried to send them letters and callled multiple times every time being told something completely different. And still nothing has been done or changed. 
According the the 15 USC 1681 law there should not be any damages on my report its a defamation to my character. 
XXXX XXXX XXXX XXXX XXXX 
Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXXl ( XXXX ) XXXX
Product: Debt collection

I recieved a call at work from TSI. But not to my work number. They had been calling repeatedly last week, to a different employee, telling her who knows what. Now they contacted the XXXX XXXX Office to reach me as a tactic to embarrass me at work. She stated she was contacting me about debt from 2001 and that no XXXX existed for private loans ( not true ) I told her to not ever contact me at work. 

It is illegal to tell co-workers they are contacting me about a debt and next level to contact the XXXX for my information.
Product: Credit card or prepaid card

I received my American Express card in XXXX. The available credit was for {$10000.00}. After using it for just a few months they increased my limit to XXXX. In XXXX I had the balance on that card up to almost the full limit. A few months later I made a large payment bringing the balance down to about 40 %. Nothing changed on my account. 
By the summer of XXXX I was suddenly informed that my credit limit was cut down to XXXX, leaving me only a mere XXXX in available credit. 
I appealed that decision and my appeal was denied. 
After this occurred I paid off the card and limited my transactions on it. 
KEEP IN MIND : I NEVER missed a payment nor made a late payment. Not one in all the time Ive had the card. 
Ive always paid more than the minimum, but none of that was considered in their decision. 
Now fast forward to today. Just 6 months later, they have cut my limit AGAIN. Bringing my available credit from {$8300.00} to only {$1000.00}. 
They cut my limit by {$4700.00} the first time and now theyve cut it by another {$7300.00}. 
In only a 6 month period they took away {$12000.00} in available credit. 
My credit score took a huge hit the first time this happened and Im sure will take an even bigger hit this time since it hasnt even recovered from the last decrease. 
When youre in a situation like this your back is against the wall. You are totally at the mercy of the creditor. And that is unfathomably unfair. No one can help you and AMEX does not care about the type of custumer YOU have been to them. 
There is no loyalty to their customers. I did everything right and I was still put in this position. 
I paid on time, paid more than the minimum, and maintained a low balance on the card. 
NONE of that was taken into consideration when making this decision. They went solely based on the other activity on my credit report which should be considered only SECONDARY to the way Ive maintained business with them. That is not the case. 
The appeal process is all you have and all they want to see is proof of income. Something that WASNT even required when opening the account! 
So anything on my credit report that resulted in their decision to decrease my balance then becomes irrelevant if my income is enough?! Thats a very backwards philosophy. 
What AMEX does NOT consider when making these decisions is the affect it has on the overall credit utilization of the consumer and how decreasing the available credit by that much, that quickly, is catastrophic to a consumers credit report. 
Decisions like this should be thoroughly considered and CAREFULLY looked into before they occur. 
I had no drastic changes in my credit report, my income has not changed and even if my utilization was higher than normal, all of my accounts are current and paid on time. Those should be the biggest factors considered when deciding to decrease a consumers available credit. 
Cutting a consumers credit limit by {$12000.00} in less than a year is unacceptable. And for that I am extremely disappointed with the way American Express has decided to conduct business with their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquire on my credit that i didn't allow to be on my credit. XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit builder account with Chime Financial was closed by me on XX/XX/2022. At the time I had available credit of {$89.00} and some change. I called to inquire about the refund being mailed in XXXX of XXXX  in which I was told was already mailed out. Today is XXXX and I have yet to receive anything. When calling to inquire about it I am told the same thing every time, we have already mailed it just wait for arrival via mail. Im tired of getting the run around with no foreseeable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.
Product: Credit reporting or other personal consumer reports

I Filled A Dispute On XXXX XXXX XXXX  Due To The Account Being Sold To Professional Debt Me. XXXX Denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX .They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances getting House XXXX violated my rights as a consumer, as well as federal laws.
Product: Student loan

I am part of the cohort of XXXX borrowers who were transferred to Mohela. In XXXX of XXXX, I discovered my loans were not properly consolidated. In XXXX of XXXX, I submitted an application to consolidate my loans, provided income information to calculate my XXXX plan under XXXX, and resubmitted my XXXX employment information to update my eligible payment count. 

In XXXX of XXXX, I received a notice that was backdated indicating that I was in administrative forebearance for XXXX of XXXX. I also received a notice that I had missed a payment for XXXX even though I did not make a payment as I was in administrative forebearance. I spoke to a Mohela representative on XX/XX/XXXX, and asked that the payments I made during that period be applied to my XXXX and XXXX statements. I confirmed that my other paperwork was processing. My XXXX statement was allegedly adjusted. 

In XXXX, I received a statement with an incorrect payment amount. I spoke to a representative on XX/XX/XXXX. My request to apply the payments from XXXX and XXXX of XXXX had been canceled as had the XXXX paperwork for the XXXX plan. She resubmitted my request. My XXXX paperwork was still processing. My XXXX statement was supposed to be in administrative forbearance while they fixed it. 

Now in XXXX my statement reflects a missed payment for XXXX. The statement amount is still incorrect. I am still in a 10 year repayment plan instead of XXXX, which raises my monthly payment from just under {$700.00} a month to almost {$3000.00} a month. My XXXX paperwork was finally processed, and my counts are inaccurate. 

I have spent hours on the phone with Mohela the past three months with no resolution to this issue. I would like my XXXX paperwork run so that my statement reflects the XXXX plan. I do not want to be held responsible for a " missed '' payment that was supposed to be in administrative forebearance. I want my XXXX  counts accurate. I am unable to spend hours on the phone every week speaking to customer service representatives " in training '' who can not fix this issue or blatantly lie to me about actions they do not take.