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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on Equifax 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a XXXX credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. XXXX XXXX XXXX Address Date of inquiry XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.
Product: Payday loan, title loan, or personal loan

We have automatic debit setup to repay our loan. Payments are drafted on the  XXXX  of each month. A telephone call on  X/XX/2017    asking to post-pone the  X/XX/2017    draft until  X/XX/2017    was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on  XXXX  was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.
Product: Mortgage

I have been paying every two weeks on my mortgage - In essence I am double paying 2 times a month the same amount {$1400.00} which is my understanding what is due monthly. On all payments, I mark excess to principal and spoke to the mortgage company multiple times to ensure that I was set up on bi-weekly payments. 

The still continue to hold one of my payments and do not apply payments but 1 time each month. 

The show me paying a total of {$26000.00} to them in XXXX when I actually paid {$36000.00}. 

The principal for my loan is {$1100.00} and escrow is {$960.00} ( {$2300.00} overpaid ). I have been making double payments for 5 years now and they continue to show me late and charge me late fees when I pay XXXX  monthly for 60+ months. The principal balance on my loan is {$220000.00} ( 18 years later ) - the original amount loaned was only $ XXXX in XX/XX/XXXX. 

In addition, they told me they modified my loan to lower my payment but just noticed that they extended my payments to XXXX ( originally XXXX ) without my knowledge nor consent. 

I asked an attorney to write letters asking for documents and explanation and still have not received any responses. 

My balance is no where close to what the amortization should be for a loan that I have been paying on for now 18 years. 

They are applying way too much to escrow, not paying my additional principal amount but suspending amounts, charge late fees, extending my payoff date and not responding to issues and complaints.
Product: Debt collection

This debt was occured on or about XX/XX/XXXX of 2018 and the original creditor never billed my XXXX insurance then tried to go over without billing my XXXX XXXX  first and sent the balance to me when my insurance information was furnished upon to begin with at time of service. Now years later they submitted my account to professional finance company in Colorado which refuses to check the validity of the debt which is invalid because I have a better business bureau complaint open where the original creditor themselves wrote that as it is too late to bill insurance the account ilhas been recalled from collections and written off as it was not my fault. When I contacted professional finance company countless times between 5-10 with detailed voice mails they said they are unable to contact their client to review the validity of the account this has brought my credit score down and it is not a debt I owe and never owe because of their deviant billing practices this needs to be reversed as soon as possible and they are refusing to do so when I clearly have it in writting and all the proof has been submitted. The original creditor was XXXX XXXX XXXX also in Colorado
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, and XXXX XXXX XXXX XXXX XXXX, # 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 an 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 An 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. 

Govern Yourself Accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company used unauthorized hard inquiry on my credit reports
Product: Debt collection

This company listed themselves on my credit report. I have not spoken nor received any communications from this company. 




XXXX XXXX XXXX Original creditor : MERCHANTS Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/2022 Original balance {$10000.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name JXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!
Product: Credit reporting or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts were not mine and this is hindering my ability to obtain credit. I am not liable for this debt. I never had a contract with debtors and they would not provide me a copy of the original contract as requested.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Addresses on My TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect addresses currently listed on my TransUnion credit report. The following addresses are not associated with me, and I have never resided at or used these addresses for any financial activity : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect addresses are likely the result of errors in reporting, and under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that TransUnion investigate and promptly remove these inaccuracies from my credit file. According to this section of the FCRA, credit reporting agencies are required to investigate disputes and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice from the consumer.

Furthermore, under 15 U.S.C. 1681e ( b ), TransUnion is obligated to follow reasonable procedures to assure maximum possible accuracy of the information contained in my credit report. The inclusion of addresses that do not belong to me violates this provision, and I am asking for immediate corrective action to ensure that only accurate and verifiable addresses are reported. 

Requested Actions : Immediate Investigation : Please conduct an investigation into the incorrect addresses listed on my credit report. 

Removal of Inaccurate Information : Since these addresses are not associated with me, I request their complete removal from my credit file. 

Confirmation of Investigation Results : As required under the FCRA, I expect written confirmation of the results of your investigation and any changes made to my credit report within 30 days. 

I have enclosed a copy of my credit report with the incorrect addresses highlighted, as well as a copy of my identification to assist in the verification process. Please correct these inaccuracies as soon as possible to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. 

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

i have sent letters to the CRAs ( XXXX, EQUIFAX, AND XXXX ABOUT THE INACCURATE AND INCOMPLETE ITEMS BEING REPORTED ON MY CREDIT REPORT AND THEY HAVE NOT CORRECT THE PROBLEM, PER 15 USC 1681 STATES ALL INFORMATION HAS TO BE 100 % ACCURATE AND COMPLETE WHEN REPORTING, IF NOT HAS TO BE DELETED.I HAVE ATTACH COPIES BELOW
Product: Credit card or prepaid card

On XX/XX/2020 I purchased some XXXX printer filament on XXXX via my Chase Credit card through XXXX. On XX/XX/2020 Chase charged me a XXXX dollar cash advance fee. My purchase did not involve any cash advance. I was simply buying a product. At no point during the transaction were any financial services or fees mentioned. XXXX explicitly states that no cash advance fees will be assessed for this kind of purchase on their website, as described in the following link : XXXX XXXX XXXX Upon reviewing my bills for last year I noticed this fee, and have twice called Chase in an attempt to resolve this issue. They refused to remove the fee during both instances. I have read several online forum threads discussing this exact topic ; Chase or other banks charging a cash advance fee when an item was bought with one of their cards on XXXX through XXXX. Many posters in those threads stated that Chase DID refund the fee. I am disgusted about being charged for something that did not happen, and I am even more disgusted that I did not get equal treatment as other Chase customers. Below are a few links to online discussions about this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC / XXXX XXXX XXXX XXXX XXXX  {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


XXXX XXXX  XXXX / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Credit reporting or other personal consumer reports

I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed or done within a timely manner.
Product: Credit card

HELLO MY NAME IS XXXX XXXX, I PREVIOUSLY MADE A COMPLAINT FOR A DISPUTE THAT NEVER TOOK PLACE ON MY CREDIT CARD, THE DISPUTE WAS NOW CLOSED AND I SEE THAT THEY GIVEN ME THE CREDITS FOR THE FRAUDULENT TRANSACTIONS IN MY ACCOUNT, BUT THEY ALSO REMOVED THE CREDITS AGAIN, THE SYSTEM SHOWS 3 TIMES THEY GIVEN ME THE CREDIT AND 3 TIMES THEY REMOVED IT, IN THE END THIS CONFLICT HAS NOT BEEN RESOLVED, IT SEEMS THAT THE AGENT WHO WAS HANDLING MY CASE DID NOT KNOW HOW TO HANDLE THIS CASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit dispute letter was sent out over 30 days ago and credit report has not been updated with any information, not showing any items have been updated with final result, Items should be removed at this time going over the allocated time of 30 days. This should be done immediately by credit reporting agency.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that XXXX, Equifax, and XXXX STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to XXXX, Equifax, and XXXX on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquiries it was done by the creditor without my permission
Product: Credit card or prepaid card

I have been paying my bills on time. Last month my payment was rejected despite having money in my checking account. Then, Synchrony Bank lowered my credit limit leaving me almost maxed out ; XXXX XXXX dollars of available credit. As of XX/XX/2019, my credit limit was {$4300.00} and my balance was XXXX and {$860.00} of available cash. Suddenly as I mentioned before, they reduced my limit to {$3100.00} hurting my credit score. My name is XXXX XXXX XXXX and unfortunately I have a credit card account ( Score rewards ) with Synchrony bank which need to pay off so that I can close it and sleep better at night.
Product: Mortgage

For the past 2 months we continuously receive letters indicating that the waiting period has expired for the VA mortgage loan. 
I'm a XXXX XXXX for a large bank and when I first opened the letter I got very confused and overwhelmed. The letter looks like I could be from the government, shows the year on the top right like you would see in your tax returns. No where in the body of the letter they identify themselves as a third party or their intent to prospect for refinancing. Their method of prospecting is very deceiving and unethical.
Product: Debt collection

Today XX/XX/2022, I spoke with XXXX XXXX with XXXXXXXX XXXX XXXX XXXX She stated that they were a collection agency and that any information obtained will be used to collect debt. 
She asked For my information and stated that I owe a debt to Their client alteon health. 
I informed her that Ive never had any business with XXXX  XXXX  or XXXX XXXX  and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX XXXX  has stole my identity and sold it to XXXX XXXX  collection agency as the representative stated XXXX XXXX is their client. 

I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. 

According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt.

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I DO NOT KNOW ANYTHING ABOUT THE ACCOUNT OR THE COMPANY THEY ARE COLLECTING FOR BUT THEY ARE REPORT TO ALL THE CREDIT REPORTING AGENCIES I HAVE ASKED FOR A SIGNED COPY OF THE CONTRACT AND THEY HAVE FAILED TO PROVIDE ME WITH A COPY BECAUSE THEY DO NOT HAVE XXXX SO I HAVE ASKED THAT IT BE REMOVED AND THE REFUSE TO DO SO IT HAS CAUSE MY FAMILY XXXX BE HOMESLESS WITH A SPECIAL NEEDS ADULT CHILD. I AM ASKING THAT IT BE REMOVED ASAP. I THE CONSUMER AM ALSO XXXX. Fair Credit Reporting Act ( FCRA ) that requires credit bureaus to remove fraudulent or inaccurate information is 15 U.S.C. 1681c-2 ( also known as Section 605B ) Under 15 U.S.C. 1681i, you also have the right to dispute any inaccurate or fraudulent items, and credit bureaus must investigate and remove unverifiable information within XXXX  days. IT HAS BEEN MORE THEN XXXX  DAYS.
Product: Debt collection

On several occasions Ive called this company about them reporting this account on my credit files. The account does not belong to me and my name has been falsely used for the account. The company sold it to a new company and now they both are repointing on all three of my credit files. I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

I signed closing documents with XXXX they are refusing to fund my loan after closing because the loan officer that started the loan is no longer with them. they are holding my loan hostage after the 3 day rescission period because they want documents corrected AFTER I signed closing documents because the loan officer is no longer employed with them. this is causing me additional time, money and will cause my mortgage payment to be late with my current lender because they will not send the payoff