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

i was trying to make payment on line for 3 days and called numerous times all they told they will put ticket on the problem and i will receive a email and phone call have not received now it show me late when i tried for 3 days to make payment i am very confused for them not helping me and wait for such long time when i am trying pay off the loan
Product: Debt collection

This debt collector is attempting to collect on a debt that is not only over XXXX XXXX XXXX, but I am not liable for it in accordance to Nevada 's protections for XXXX XXXX XXXX Victims. 

In 2011 I had to move out of this apartment I shared with my then fiance. I was a victim of XXXX XXXX and had to leave the state for my safety. In accordance with Under Nevada landlord-tenant law, ( Nev. Rev. Stat. Ann. 118A.345, 118A.347, 118A.510 ) I have the right to break a lease agreement if I've been a victim of XXXX  XXXX. 

I exercised my right, obtain an order of protection, notified the landlord and moved right away. I never knew about this debt, until it recently popped up on my credit report.
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XX/XX/XXXX. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX  XXXX {$47000.00} XXXX  XXXX {$29000.00}
Product: Debt collection

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX also known as XXXX XXXX   XXXX XXXX XXXX XXXX, Ok XXXX, ( XXXX ) XXXX-XXXX ) reported delinquent rent on my credit report. ( I was a co-signer on a lease ). 
I filed an online dispute on XX/XX/2019, XX/XX/2019 and via phone on XX/XX/2019. I informed TransUnion about the violation. Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view or place an account on a consumers credit report without a permissible purpose., I wrote TransUnion to inquire as to their purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX or any of their properties. On XX/XX/2019 I received a copy of TransUnion Personal Credit Report and a letter stating that the account has been deleted from my report. 

On XX/XX/2019 I reviewed the information that was sent to me. As you will see in the attached page of the Report under the Adverse Accounts, XXXX XXXX reported that the Account Type was an Open Account. The Loan Type is a RENTAL AGREEMENT. This information is important because it would indicate that TransUnion allowed XXXX XXXX to place an Adverse Account on my credit report without a permissible purpose. The Personal Credit Report also shows that the Adverse Account is still on my Report. 

15 U.S. Code 1681a.Definitions ; Rules of Construction ( 1 ) The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. 

Since the information TransUnion provided to me includes incomplete information they have not fulfilled their obligation.
Product: Credit card or prepaid card

I opened an account with Comenity Bank Wayfair in XX/XX/XXXX. My payments are due on the XXXX of each month. I submit my payments during the last week of each month prior to my due date. For the XX/XX/XXXX payment, I submitted my payment on XX/XX/XXXX. On XX/XX/XXXX, a late fee credit of {$40.00} was applied to my account. Today, I contacted Comenity Bank to inquire why I was charged a late fee for XXXX 's payment when my payment was not late, and in fact, paid 3 days early. The representative responded that he didn't know why I was charged a late fee. This is very disturbing, despite their correction as an applied credit. 

Further, I checked my XXXX credit report. Despite having a balance, this is a closed account. It appears that Comenity Bank is reporting an available credit amount of {$1600.00} which is inaccurate and erroneously contributing to the total available credit amount on my credit profile. My Comenity Bank statement shows an available credit of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a XXXX of XXXXXXXX XXXX for a few years now. ( XXXX XXXX ) placed a XXXX  on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a full amount of {$620.00} in the mail to Santander and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against Santander consumer. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am XXXX  and XXXX  of their poor customer service and I am now pursuing legal action against Santander for financial harassment and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I got a 30 late payment on all 3 credit reporting bureaus from XXXX XXXX   XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.
Product: Debt collection

This company has illegally open a account in my name its a against the law to harm a consumer report XXXX XXXX is acting under ncb management. Constantly harassed me for years.
Product: Debt collection

Portfolio Recovery has used multiple numbers and calls multiple times a day. I have told them to stop calling. And still calls. Received a letter on XX/XX/2021 and calls everyday since then.
Product: Credit reporting or other personal consumer reports

I contacted these creditors/ requested for these accounts to be removed from reporting to my credit report and placed into fraud dept 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights.

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

Credit Acceptance decided to randomly open up an account that's be closed for 4 years, now appearing on my credit to look like I've missed payments dropping my credit score. This is fraud and I will not accept it
Product: Credit reporting or other personal consumer reports

XXXX writing to you today to inform you I was the victim of identity theft. Per FCRAsection XXXX you are required to remove/delete any items listed on an id theft report.Please find the required documents to assist in the deleting of the erroneousinformation which is being posted to my report. XXXX XXXX XXXX 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 XXXXXXXX BalanceOwed : {$2700.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX XXXX Balance Owed : {$280.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 and XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the credit bureau shall removing any information in the file ofa consumer that the consumer identifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/XXXX a dog was purchased using my information. I discovered this in XXXX of XXXX. I then found other accounts that had been opened using my identity. XXXX XXXX sold this debt to Duvera. I have been disputing and fighting this debt since then. I reported the identity theft and had this account removed from all XXXX credit reports. XXXX has now added this back twice to my account with no notice given to me. I have requested the information regarding this debt to be sent to me on XXXX different occasions from XXXX and Duvera. Neither has supplied this information to me. I did not open this account, I do not know who opened this account. I have reported this to the local police department and the FTC. I have an identity theft and police report regarding the identity theft. I have done everything I am supposed to, but have not received any information from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXG Account # XXXX, XXXX XXXX XXXX Account # XXXX,, has violated my rights . 

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
Product: Debt collection

I dont have an account a contract with Enhanced Recovery nor XXXX XXXX. They are calling relatives and disclosing my personal information to third parties. This is also on my credit report
Product: Debt collection

My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every 2 weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.
Product: Mortgage

XX/XX/XXXX i contacted my mortgage company XXXX ( PHH/Ocwen ) XXXX to remove my escrow account from my loan. They sent me the form requesting the removal i completed it & faxed it to them XX/XX/XXXX they stated it would take 10 business days to complete request.. Upon speaking to multiple reps & a supervisor ( XXXX # XXXX in the Escalation Dept ) I was informed they declined the request because my property taxes are due in 30 days.. My property taxes are usually due XXXX & XXXX of every year.. not only is XXXX more than 60 days out but I CALLED the XXXX XXXX TREASURERS OFFICE ( XXXX ) XXXX gave my pin number and the rep stated ALL XXXX XXXX TAX BILLS ARE DELAYED AND WONT BE GOING OUT UNTIL APPROXIMATELY XX/XX/XXXX after not getting anythg resolved with supervisor i emailed their Ombudsman Dept ( XXXX ) with complaint about the issue.. i need them to remove my escrow MY BILL IS NOT DUE WITHIN 30 DAYS, I AM WAY LESS THAN 80 % XXXX on home.. i want my escrow funds including any cushion amount being held to be refunded to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against Experian alleging systemic issue such as failing to forward consumer provided evidence to furnish accepting unreliable response and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the dispute accounts as experience in action, violet federal law, and my right as a consumer.
Product: Mortgage

I have a loan serviced by a loan management company, not the loan originator. The Loan management company is Rushmore Loan management XXXX Rushmore Loan Management Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to pay down a large portion of the loan principle to RECAST MY LOAN and reduce my monthly payments. I am told by the customer service rep that Rushmore will not reduce my payments but that I will pay the loan off earlier. ( by 7 years ). 
I need a lower payment, not an earlier payoff. 
I asked them for the language in my loan agreement that prohibited a recast of my loan payment based upon a reduced principle amount. I was told there was no prohibitive language in my existing agreement. 
Cn we make them agree to reduce my payments if i pay down my principle by {$100000.00}?
Product: Credit card or prepaid card

On XXXX XXXX XXXX around XXXX ; I received a phone call at my office stating that she was agent XXXX XXXX with the Federal Bureau of Investigation. I was told the IRS sent her information that my identity had been stolen, and the perpetrator had outstanding taxes owed. An arrest warrant would be issued in my name if the taxes were n't paid immediately. From this point, She told me that she needed to confirm my bank account information to make a withdrawal, she knew my checking and routing numbers, which led me to believe she was indeed with the FBI. I did n't have enough in my checking at the time, so she told me to use credit cards to pay the taxes instead. To make a very long story short, I spent the rest of the day running around buying gift cards in large amounts ( $ XXXX {$3000.00} ), where no one who knew about the scam questioned me and allowed me to make such purchases. 

Finally, the next Day I realized it was an elaborate scam and I immediately called Bank of America to report that I had fallen victim to this scam. I filed fraud disputes for all of the transactions that were solely because of this scam. I then immediately filed a complaint with the Federal Trade Commission, and was told by the FTC that the stores where I made the purchases should 've questioned me on the large dollar gift card purchases, and that this would be looked into. 

After doing some research I came across an article that stated that victims of scams can only be charged {$50.00} if the unauthorized transactions were reported within three business days, the article also mentioned that transactions that were conducted by consumers being misled by scammers would also be recognized as unauthorized, and therefore covered under " Regulation E ''. 

A few days later, I checked my credit card account only to discover that the total amount disputed had, in fact, been charged to my credit card. I realized that the bank had denied my claim. I have consistently been a fiscally responsible person all my life, and banked with Bank of America for several years, only to have this happen to me. I know this will reflect poorly on my excellent credit score, and believe that people should be protected against situations such as this. Bank of America is apparently known for denying claims like this, and I would like my rights honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 2 months ago I informed Equifax that they are reporting a fraudulent item on my credit report and that it should be removed immediately. They have responded through the cfpb portal that they need an account number and name. I have clearly given this information through cfpb in XXXX.
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. 


I told XXXX and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

IN XXXX OF XXXX, ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2300.00}. 

IN XXXX OF XXXX, ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2200.00} IN XXXX OF XXXX, ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME REGIONAL FINANCE, HAS AN OUTSTANDING BALANCE OF {$3100.00}. 

IN XXXX OF XXXX ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$920.00}. 

IN XXXX OF XXXX, ON MY XXXX, TRANSUNION, AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$880.00}, IN XXXX OF XXXX A BALANCE OF {$820.00}. 

I HAVE DISPUTED THESE ITEMS NUMBEROUS TIMES AND SENT SEVERAL DISPUTES. 

THESE COMPANIES ( XXXX, TRANSUNION AND XXXX ) IMPROPERLY OBTAINED AND USED MY CREDIT REPORT FOR PURPOSES NOT AUTHORIZED BY LAW. I DID NOT AUTHORIZE NEITHER OF THESE COMPANIES TO ACCESS MY CREDIT REPORT. THE UNAUTHORIZED USE OF MY CREDIT REPORT IS A SERIOUS VIOLATION OF MY PRIVACY RIGHTS AND THE FAIR CREDIT REPORTING ACT ( FCRA ).
Product: Vehicle loan or lease

i need to get refinancing to lower my car payments over time i just got out of the hospital with XXXX  XXXX XXXX and i do not need added stress of bills I trie

d to defer two payments to the end of the loan to better help manage this situation but you denied it. the stress is too much for me to handle in my condition.
Product: Credit card or prepaid card

My credit card was charged over the limit with fraudulent charges I did not authorize nor did I personally make. I have made numerous calls to the card fraud department and have been unable to get a resolution. I disputed all charges on XX/XX/2021 in the amount XXXX. The card has been disabled by Continental Finance who is the card issuer.