23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has the wrong information. I tried to contact them to receive the right information but I was not provided with it.
Product: Mortgage

My county taxes were due by XX/XX/XXXX. My mortgage servicer, LoanCare, took money out of my escrow account to pay my county taxes of {$2100.00} on XX/XX/XXXX. XXXX XXXX County ( Virginia ) never received payment for my tax bill. I was then assessed the following fees/interest : Late Payment Penalty : {$200.00} Interest : {$19.00} This resulted in a new tax bill of {$2300.00}. 
I was on vacation from XXXX, so my first attempt to rectify the situation was XX/XX/XXXX, when I received a delinquency notice from my county. I called LoanCare on XX/XX/XXXX. I called my county on XX/XX/XXXX, and then responded back to LoanCare the same day. As of XX/XX/XXXX, I have contacted XXXX the following dates and still seen no attempt at replacing the money in my escrow account, attempting re-payment, or reimbursing me for the money withdrawn from my escrow account that never made it to my county : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I was a victim of identity theft I contacted Lexis Nexis in good faith to place a security freeze on my Lexis Nexis file.I recieved a letter from them on XX/XX/XXXX confirm that the security freeze was in effect and would remain until I asked for it to be removed.However in XXXX of XXXX a third party with ill intentions claims that they recieved infomation about my credit file dirrectly from Lexis Nexis.This is a breach of the security freeze from XX/XX/XXXX and a violation of the FCRA.I trusted Lexis Nexis to be responsible and protect me from being exploited by companies looking to buy my information from them.I sent a certified letter to Lexis Nexis asking them to explain their error but they never responded back to it. At this point I am considering filing a small claims action against them.
Product: Credit card or prepaid card

I tried to use my Bank of America MERRILL+ Visa Signature credit card to make a purchase on XXXX  on XX/XX/2020. The transaction kept  getting denied. I did not receive any fraud alerts or indication that BOA was denying the transaction. I called in to inquire. It was revealed that my card was blocked and they could not unblock it because the department in charge was closed at the time that I called. I was advised to call back the next day. The next day all my Bank of America cards ( 2 ) were closed and I lost the cashback balances I had on them. I tried to redeem them by calling in but was informed that it would not be possible.
Product: Credit card or prepaid card

Senior on fix income being charged to much interest, were it keep you paying longer, trying to pay credit card off ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to report inaccurate information on my credit report. I have two accounts that were discharged in bankruptcy and for the longest Equifax reported the accounts as opened with one account showing a {$57.00} balance and the other account showing a {$350.00} balance. After dispute after dispute equifax finally updated both accounts as " in bankruptcy '' and not " discharge in bankruptcy ''. They also continue to report both accounts as open accounts without showing a XXXX balance. I opened up a dispute on XX/XX/XXXX for equifax to update information or remove accounts from my credit report. I was told that I would have my results by XX/XX/XXXX. I noticed the accounts were still reporting on my credit report with the same information and also still showing in reinvestigation. I called Equifax to check the status and was told that I reopened an investigation on XX/XX/XXXX, so I wouldn't have any results until XX/XX/XXXX. That was a lie I never called or spoke with anyone from Equifax on XX/XX/XXXX. 
I was told that information by XXXX ( XXXX ) Id number XXXX XXXX office/officer of consumer.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

recently I got notice that my home depot credit card missed it due date for payment. I was like how am I late I am on auto pay. I set up several times for auto pay and for some reason this accounts auto pay was removed ever time I set it up on line. I even spoke to reps in the past to put the account on auto pay. So to take care of the payment I promptly made the payment over the phne with the rep. I was confused when I asked was it for my XXXX limit or the {$5000.00} limit. The rep says it is for the {$500.00} limit. I WAS SHOCKED! I insisted this was incorrect only to be told they lowered my limit due to their systems mistake. They can review the call made again in XXXX to put m on auto pay. I want my {$5000.00} limit placed back on my card asap. This is not fair I am a consumer who prides herself in keeping my payments on time.
Product: Credit reporting or other personal consumer reports

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under theFCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the reporting. I received back a denial of process and an assertion that the records of the reported were in fact UNAVAILABLE, or so they claimed. No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter. You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a XXXXection1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .
Product: Credit reporting or other personal consumer reports

i sent certified letters to XXXX, XXXX, and equifax, stating that they are specifically in violation of federal law 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a. they have not responded in the appropriate time and this matter is affecting my daily being
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 request for method of verification was requested but not received. On XX/XX/2021 a complaint was filed with CFPB regarding not receiving the requested method of verification. Another letter was sent out on XX/XX/2021 regarding the dismissal of my request. This is now 4 failed attempts and at this point I feel like there is not even an investigation happening, if there were then I'd have the documentation I am requesting. As a consumer, the reporting credit bureaus have failed me.
Product: Consumer Loan

I have a car loan through JP Morgan. I had someone hack into my bank account and I tried to remake my payment. JP Morgan took the payment out of my account three times for a total of XXXX This happened on XXXX XXXX, it is now it is now XXXX XXXX and I have been getting the run around by them. 
I have yet to get my money back. Every time I call I get a new date of when I can expect my money.
Product: Credit card or prepaid card

Goldman Sachs is listed as a credit card on my credit report. I dont have this credit card and never did. Please close this account for me. Thank you!
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. 

Please provide the requested information at your earliest convenience or remove/update the disputed items.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$44.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed multiple mistakes on my credit report regarding late payments. These do not align with my payment history, and I request that they be corrected immediately.
Product: Credit reporting or other personal consumer reports

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an 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 purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX American woman to do business in this country..... I want this and any all-other violations removed ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize the loan amount and date and place they open the collection account. 

Initial date and address and the store location mentioned for speedy cash in the amount of XXXX and the location XXXX Texas dated XXXX as per records don't even match my physical presence on that date I was not present physically in the state of Texas. 

I did had speedy cash loan but on a different date and different location and stare which was completely paid and never renewed, I do believe it was duplicated in my name on a different location n time. 

I m hereby attaching sone receipts from XXXX I was driving and food delivering commerce California and was physically present in XXXX XXXX California. 

I dont hv XXXX account anymore but I m trying to retrieve it further, I have tried agency for disputing it credit repair tried self dispute but the collection agency XXXX XXXXXXXX keep on posting it on my credit report back to back without giving me a decision or naturality of fact how can I be possibly physically present at 2 places at same time. 

I have given more proofs via credit repair but I no longer working with them was not satisfy if needed I can provide more
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to filing XXXX XXXX bankruptcy in XXXX the mortage servicer ( US BANK ) reported accurate information to the credit bureaus. 
After XXXX XXXX bankruptcy was discharged successfully at the end of XXXX, the mortgage servicer does not report to any credit bureau. 
Contacted credit bureaus, advised to contact servicer. 
Contacted mortgage servicer, who claimed they won't report anything to credit bureaus ever.
Product: Mortgage

I have been without a job for five months and I am trying to make ends meet, I have a counselor whom is trying to help me and the lender, 21st Mortgage, says that I can pay a lower amount for certain time but they keep sending me regular bills eventhought they are acepting the lower payment and I dont believe they are doing it in a good faith, my loan has gone thru problably more than XXXX servicers and there are a lot of things that are not right. They keep telling me that my loan can not be considered because I was in a 2008 bankrutpcy and I included the mortgage on it and I had a XXXX allready but, again, something wrong with this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Veterans United Home loans have issued my VA loan and the VA XXXX XXXX also have given up my entire service record and secures a loan I did not even see or sign. I previously changed my information because it was a person I know I know find it not fair to me that because of these entities failure to confirm the home loan I would not have been penalized for it by dropping my score due to the privacy act violation of the VA and I along with my kids have been terribly affected by the lack of due diligence and I want my score to reflect my history before my information was given and accepted by someone who had my information and I was then locked out of my own accounts
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$270.00} XXXX  XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

am filing this complaint against Equifax for their improper reinsertion of two previously deleted fraudulent accounts onto my credit report without proper notification or validation, in violation of the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts were initially removed after being disputed as the result of identity theft, yet Equifax has now reinserted them without adhering to FCRA requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened in my name without my consent and were a direct result of identity theft tied to the Equifax data breach, which exposed my personal information. Equifaxs reinsertion of these accounts as closed has occurred without proper notification or verification, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). 

This failure to notify me or validate the legitimacy of these accounts is not only a violation of the FCRA but also an obstruction of my ability to maintain accurate credit information. Equifax has failed to provide transparency regarding the investigation process and has repeatedly ignored my attempts to resolve this matter. 

Their actions have caused significant harm to my credit profile, delayed my ability to resolve the fallout from the identity theft, and caused emotional distress due to the unnecessary complications they have created. Equifaxs mishandling of my disputes and reinsertion of fraudulent accounts demonstrates gross negligence and disregard for federal law.
Product: Credit card or prepaid card

Recent email to XXXX XXXX Comenity Bank Credit Card. 
I am very upset how you have decided to treat your consumers. I made a large payment of {$310.00} on XX/XX/2021 and you decided to reconsider my payment/credit history on XX/XX/2021 and reduce my credit limit by {$320.00}. Was this a delayed punishment? I have had a good standing and despite the pandemic I have tried to stay afloat with my credit cards. You wait to " punish '' me and my credit as I was in the process of paying this credit card off. This makes me wonder if you are upset that consumers are trying to raise their credit scores and reduce their intertest rates which doesn't pad credit card companies pockets. FRUSTRATING. How dare you take my credit usage from 47.8 % to 94 % instantly. I will be reporting this practice to Consumer Financial Protection Bureau and filing a complaint with BBB. I was logging on to pay my card off, once I do this, I will be closing my account. It's not worth allowing you to control my financial future. I'll take closing this card now then to deal with you. 

They have reduced my credit limit multiple times. Most recent was after a substantial payment from me and reduced my credit availability and limit substantially. I have been update to date for the past 5 months, and when I wasn't I was in communications with them. 6 months later and when my credit score was actually highest in the past year, they use that and decide to reduce my limit. This becomes a vicious game from credit card companies to keep interest rates high by adversely effecting the score they dare use to evaluate credit worthiness for. This is also the same credit card company that has closed my XXXX account with no notice when the limit was {$1500.00} I owed roughly {$200.00} and was paying on time. I understand they have a " right '' to do this but they are unfairly applying that right and with no notification or valid reasoning until after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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