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

I started with Freedom Debt Relief in 2018. I also was on XXXX every week that year. I only had XXXX in debt and they promised to call the creditors, which they never did. They also said my credit would go up and since 2018 it is still in the high XXXX XXXX, they are misleading and never called my creditors, they then switched me to Consolidation Plus, which is the same company. I have paid them XXXX a month since 2018 and my credit never changed. I have called multiple times because I can't afford to pay them anymore. I lost my job from the pandemic, I can't get a job because of my credit score. This company is the worst, nobody should ever use them.
Product: Debt collection

I am writing to formally dispute the existence of an account that has appeared on my credit report. After a thorough review of my credit history, it has come to my attention that an account listed under my name is not mine and was opened fraudulently without my knowledge or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. I trust that your bureau will handle this matter in a diligent and lawful manner, and I expect a resolution that removes the fraudulent account from my credit report, allowing me to regain control of my financial standing and peace of mind.
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank has a account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud
Product: Mortgage

In 2016 I requested a loan modification from my lender/servicer Ocwen Mortgage. They indicated that because I had received a modification from my previous lender XXXX XXXX that I was not eligible. I submitted Income information that thoroughly proved that more than 45 % of my income was going to my PITI payment. I went on to ask that at the very least i would welcome for either interest payments to be suspended being that my rate is well above market ( 5 % ) or that principal payments be stopped for the time being and again they denied my request. I have consistently been more than 80 days past due, but under 90 in order to avoid foreclosure and I feel like they are just waiting for me to bury myself. I have been in this home for over 18 years. PLEASE help ME!!!! XXXX XXXX XXXX or XXXX
Product: Credit reporting

I have faxed over my police report on my Identity fraud or theft. I have faxed over multiple to TransUnion that when I recently pulled my new credit report that XXXX of the XXXX hard inquiries that came up on XXXX came up on TransUnion. They are XXXX and XXXX. I want them removed from my TransUnion Credit Report. XXXX has already removed those XXXX hard inquires since I sent them my police report. I want TransUnion to do the same.
Product: Checking or savings account

On XXXX XXXX  I made I transaction with XXXX XXXX XXXX The next day on the XXXX  they canceled that order. Now I've just about had enough of PayPal. PayPal didn't even have that transaction. They tried to take it off my my statement. Because, in order to keep the money. Because guess I didn't see it on there. But XXXX XXXX XXXX was the one that gave me the transaction number and I was able to give it to paypal That's when they, That's when they found it. Okay, they've given me all kinds of different excuses. They contradicted themselves twice now. I came to cfpb because I need something done about this because I'm about to take PayPal out of court, I need for somebody to go in and investigate that transaction. I need for somebody to look themselves to see if that transaction was done the way PayPal claims it was done. Because if not, I'm taking PayPal down. I'm sick and tired of these banks playing with our money. Don't think you're finna, go in my account and just take money that doesn't belong to you so I need for somebody to investigate this to make sure that this is really how it went down and I feel better but if not. Then guess what I'm going to do what I have to do for my {$68.00}. Cause that belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX and the last XXXX numbers of the account were : XXXX. 

According to my records, my last payment was In XXXX of 2015. I have tried to get XXXX to change the date several times and I keep getting responses where XXXX doesn't verify the dates, but accepts the card issuers statement as true. Herein lies the problem, there is no verification.
Product: Credit reporting, credit repair services, 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 XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXXXXXX account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXXXXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out all three Credit Bureaus several times on this matter, no one wants to help me with these items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXExperian XXXXExperian XXXXXXXX XXXX-Experian XXXX XXXXXXXX XXXX-Experian XXXXExperian
Product: Credit reporting or other personal consumer reports

In early XXXX, I received notice from Synchrony Bank that they were reducing my available credit to what my balance approximately was. The reason giving was one late payment ( which was paid without penalty after only a few days, after which I set up automatic payement ) and over utilization of credit. By lowering my credit score to match my balance, this creates the very problem they are complaining about ( overutilization ) and damages my credit score. This also sets the stage for other credit cards to arbitrarily lower my available credit on their cards because over " over-utilization '' further worsening my credit score and exacerbating a problem that didn't exist until Synchrony first reduced my available credit.

I fail to see how a bank or credit card company benefits by purposefully damaging my credit score and creating a snow ball effect destroying my credit, especially since I have paid on time and make more money than I ever have in my entire life. My credit score was in the low XXXX 's until synchrony took this action. Earlier this week, I received notice from XXXXXXXX XXXX XXXXXXXX XXXX XXXX  that they were taking the same action. My credit score now sits in the low XXXX 's, and this is after paying on time, having a mortgage and car, and making more money than I ever had. I now stay awake wondering which credit card company will be next, and how far down will my credit go -- even though I have made all payments on time! I did nothing to cause this decline -- the credit card banks did. I fail to see how destroying a person 's credit standing helps these company mitigate their risk, I would think it would increase it every time the score is hit for " over utilization '' caused by the credit card company NOT THE CONSUMER! 

If they are worried about risk, there are other ways of dealing with it other than destroying peoples credit. They were the one 's who extended the credit and set up the reporting system. They can deal with risk by suspending or denying further charges, or not giving out so much credit to begin with.
Product: Credit card

I have to literally guess what my payment is because this company hasnt sent a paper statement since XX/XX/2024 and when they did it was 4 business days before the payment was due. Plus when payments are sent to them they take over 3 business days to apply payments to the account and then assess a {$40.00} fee on top as a thank you. Payments mailed in XXXX one in particular was received XXXX XXXX XXXX and its sent by online banking which guarantees the delivery of the check by that date. My current account treats it as an actual check which makes tracking payments easier whereas previously I send payments and its basically cash already taken out and that allows the receiver to lie and make up they never received the payment or lie about when they applied the payments. I just want this debt settled but Prosper wants to sink my credit. They say to email them and I do, they reply with a non assistance message filled with jargon that blames me. They tell me to call and I do and their automated message never transfers me to a person. I ask for someone to call me directly and I am met with no replies. So, I dont know how this company expects me to pay my debt when 1. They dont apply any of the payments sent. 2. They dont apply payments sent in a timely manner. 3. No one can be contacted to resolve the issue at hand. This is like my 9th complaint and this company just doesnt care.
Product: Credit reporting, credit repair services, or other personal consumer reports

They're reporting me as late even though I'm not. I don't know why it happened, so please look at the attached documents.
Product: Credit card

I had an account with Citibank. The account was closed and paid to a {$0.00} balance. Unknown to me - Citibank reopened the account to accept charges from the XXXX. The account was again brought to {$0.00} and closed again with instructions to never reopen it. 

Without my permission - the account has been reopened and several hundred dollars of fees are applied to the account - but Citibank can not produce any purchases
Product: Vehicle loan or lease

bridgecrest finance car is paid off by carvana due to selling me a car that was not repairable
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed XXXX {$20000.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX  XXXX XXXX ) XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance XXXX : {$20000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Portfolio Recovery acquired two debts ; one from XXXX XXXX and another from XXXX XXXX XXXX. Portfolio Recovery admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.
Product: Credit reporting or other personal consumer reports

Company has posted erroneous information on my credit report. They previously removed this erroneous information then replaced it back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a official copy of my credit report from Transunion and derogatory remarks was removed from Transunion as credit reporting agency as XXXX XXXX XXXX made contact with Transunion to remove the negatives from my credit report. 
Why would Transunion falsify on deletions of negative on my credit report as Transunion gets a electronic or Verbal message from XXXX XXXX. 

I am respectfully requesting that Department of Justice ADA  and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that Transunion, XXXX, XXXX  to delete all Unauthorize Hard Inquiries on my credit report and also for Transunion and XXXX remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with XXXX and I signed a Privacy Release for Federal Investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent to letter of verification to all three company 's and did not get a response back at all.
Product: Consumer Loan

I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to Transunion requesting their help to investigate and verify the accounts ' information and have it corrected to appear accurately on my Credit File. Transunion must be required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the entire account ASAP : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX - Account # XXXX ) I am writing this letter in regards to the account referenced above that is being listed on my credit report by EXPERIAN. This account has not been properly verified and as you know failureto comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. 

For obvious reasons, I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

According to this regulation, I XXXX sue you in any qualified state or federal court, including small claims court in my area. I demand that this account be removed off of my credit profile immediately. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In early XXXX I deposited approximately {$13000.00} into my personal checking account. This account is with Key Bank in XXXX Oregon. The last4 digits of the account are XXXX. I never touched {$10000.00} of this deposit. Approximately 1 year later I did notice that {$10000.00} was missing from the account. I went to the bank and they suggested that I open another checking account. I complied. Both accounts are still active. I was reimbursed by mail approximately {$620.00}. I returned to the bank and was told that although I hadn '' t written appropriate checks or made large ATM withdrawals I would not be reimbursed the {$10000.00}. no explanation was given. I contacted the FDIC 2 months ago and called them again today XX/XX/XXXX. They suggested the CFPB webpage to file this complaint. I write this complaint with the hope you can assist. I would like to be reimbursed for the {$10000.00}. I have been a customer of Key Bank for over 10 years. The account number for the account that was hacked ends with XXXX. The new checking account end with XXXX. Please advise. Thank you.
Product: Credit reporting, credit repair services, 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 XXXX  XXXX,,, XXXX  XXXX XXXX,,, XXXX XXXX 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.