23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was sent an email notification that stated " We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. Please call us as soon as you can at the number on the back of your card or at XXXX ( XXXX ), so we can clear things up for you right away. '' At the beginning of the call I answered all the standard verification questions. The support representative added that they were sending a code via text and I would need to repeat it once received. I explained that would not be possible, due to the fact that I am visually impaired ( macular degeneration ), and asked if the code could be sent to my email listed in the account. After being told no and few holds later the rep said they could email a link to upload a front/back scan of my ID. No small task for a person with low vision, but managed it. A few days later they reached out to say the scan needed to be resent because it looked like it was blacked out or cut off on the back side ( all XXXX  XXXX 's have a swipe strip on the backside top ). I expressed that the ID would look the same and urged them to find a different method of verification. The agent declared there was no other way so, I requested the $ XXXX change reward credit be sent to the address on file and the account closed. I was informed without proper verification the credit could not be sent, but she could close the account. Out of sheer frustration, I instructed them to keep the money and close the account. My daughter wanted to see if she could help and made a three way call. We spent over forty minutes on the phone with an agent and were unable to get any further. He requested an exception because of my situation and I was told someone would be calling the following day to let me know if it was approved. No call, but I received a letter a couple of weeks later asking for me to send a scan of my ID. I still have no clue if the account is indeed closed. I am still receiving statements and account info by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional 28 points from the original 60 that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake
Product: Payday loan, title loan, or personal loan

I have a online payday installment loan with Big Picture loan for {$1300.00}. I have an 398 % interest rate. I was told there would be {$180.00} finance charge but I wasn't old that it would be per payment and that I would end up paying thousands in interest. I tried to go looking at my document but the only ones that I can see are the payment schedule and how little my payment is going to the principal. The loan scheduled payments goes for 12 months. I clicked on the pay in full button after paying on my loan since XX/XX/XXXX and my payoff is larger than my loan amount {$1300.00}.

I am unable to make my payment due to medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY
WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.
Product: Money transfer, virtual currency, or money service

Out of the blue Venmo arbitrarily has frozen now suspended my account. I added {$40.00} to my account and after I did this my account was frozen. Ive contacted them multiple times and they refuse to tell me why my account is frozen, now suspended and require me to email them and when I do I get no answers. Apparently the group that handles this doesnt have access to phones so there is no way to speak directly to anyone that can do anything. This is a joke and furthermore criminal that they can just deny you access to your funds for no reason at all
Product: Consumer Loan

Here is a detailed description of the issue. 

First, I never recieved confirmation of the loan, the payments expected, or the like. I had to contact them to get this information. I felt it was too expensive so I did what I could to solve my issue. 

On XX/XX/XXXX, I checked my online account with big picture loans. The payoff was listed as {$660.00}. I called and was quoted a payoff of just under {$630.00}. I recorded the authorisation to debit my account and pay this balance. 

About half an hour later, I recieve a voicemail to call big picture customer service. I called and was told I had been given the incorrect amount and my payoff amount was actually just under {$670.00}. I protested and was told, " sorry, the previous representative was in error ''. I asked why the online amount was different. I was told it was old information. I requested a supervisor. The supervisor insisted that the payoff was correct at just under {$670.00}. I told him it was extortion. In the end, to terminate the issue, I had to record a second authorization for the withdrawal of their " corrected '' balance. I made it clear that I felt this was wrong and only did so to end the matter. 

After the call, I returned to the website. Their " correct '' payoff balance still does not show. I 've trained a screenshot of the website that I accessed after this phone conversation. 

Upon advising the company that I was escalating my comlaint through consumer channels, I was told by big picture that the payoff was stopped and the matter would be investigated. However the withdrawal of {$670.00} processed out of my account on XX/XX/2017. 

I hope you can help me make sure others dunt face this challenge.
Product: Mortgage

Nationstar Mortgage keeps calling, and sending me letters about a mortgage and I have never had a contract with Nationstar Mortgage.
Product: Mortgage

In XXXX, I fell behind in payments and was able to bring my account current in XXXX of XXXX. Due to the inefficiencies and jerking around while trying to do a modification and then being denied, I filed a complaint with the CFPB.

Since the filing of that complaint, I feel I am being harassed byCitizens Bank, in retaliation for filing the complaint. I have NOT received monthly statements in a timely manner, yet have received no less than 7 notices-some dates the same day-that my mortgage is in default. This morning @ XXXX, I was told by XXXX, that she would not take my phone pmt ; I had to mail it. No valid reason was given. After insisting she take the phone payment, she finally did. 
The same thing happened on XX/XX/XXXX, when I called in to make a payment-spoke to a XXXX XXXX XXXX My balance is less than XXXX XXXX and I have made pmts all year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with TransUnion, XXXX and XXXX regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.
Product: Credit reporting or other personal consumer reports

Equifax was contacted by mail and requested to remove all out dated addresses from consumer file. Consumer just moved to a new address. Equifax received a letter with a photo copy of consumers up dated address via drivers license, social security card and a utility bill on XXXX. Equifax willfully and knowingly refused to remove and update the information as asked.
Product: Credit reporting or other personal consumer reports

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX No payment history is recorded under my XXXX report but yet reported on my Experian and XXXX. 

This is being report inaccurate on my XXXX and XXXX credit report. It shows up on two out of three. Experian does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

On XX/XX/XXXX I submitted an application for loss mitigation for my home. Over the last three months I have sent in all requested documents. On XX/XX/XXXX I called to ask about the status of my request. The agent informed me that the profit and loss statement submitted ( my husband is a XXXX ) was only for two months and the underwriter has asked for corrected profit and loss statement that covered XXXX XXXX XXXX The updated profit and loss statement was emailed on XX/XX/XXXX. On XX/XX/XXXX I was informed the underwriter required XXXX and XXXX bank statements for myself and my spouse along with a copy of my child support order. On XX/XX/XXXX I emailed my XXXX and XXXX bank statements along with a copy of my child support order. On XX/XX/XXXX, I emailed my husband 's XXXX and XXXX bank statements along with my bank statements again to reflect proof of child support deposits. After this the portal showed my package was under review. On XX/XX/XXXX, I looked in the portal and noticed that there was a request again for paystubs due on XX/XX/XXXX. I submitted the paystubs via the portal and the next message was my hardship application was closed. I called XXXX on XX/XX/XXXX and was informed that they needed updated paystubs for me and that my review was still open. On XX/XX/XXXX I emailed over my paystubs going from XXXX XXXX XXXX I was assured again that this was all that was needed. On XX/XX/XXXX I get a notification that my home is in active foreclosure and XXXX closed their review on XX/XX/XXXX. When I called I was informed it was because I did not submit paystubs for my husband. My husband is self-employed and XXXX is aware of that. The loss mitigation application is marked that he is self-employed, we included our tax returns with the schedule C form ( at XXXX 's request ), we also included the profit and loss statement ( at XXXX 's XXXX ) and the bank statements showing where his pay from work with a company is deposited ( also a XXXX 's request ). When I spoke to XXXX different agents it appears that the underwriter is under the impression that my husband is a XXXX employee despite it being notated several times that he is a XXXX employee.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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, credit repair services, or other personal consumer reports

I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submissions for the last few years, Experian responds within 24 hours without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

( See attached screenshots ) These are the following accounts I have disputed for inaccurate information, incomplete account numbers-Unverifiable, Sold to Third-Party Collector* : violates 15 U.S.C. 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a request to all XXXX credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. Trans-Union and XXXX  both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why transunion and XXXX seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to XXXX and Trans-union just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX XXXXXX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX XXXX  on XX/XX/XXXX in the amount of XXXX under the account XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX under the account XXXX and XXXX opened on XX/XX/XXXX in the amount of XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX opened on XX/XX/XXXX under account # XXXX in the amount of {$1100.00}, XXXX XXXX XXXX  opened on XX/XX/XXXX under the account XXXX in the amount of XXXX, XXXX XXXX opened on XX/XX/XXXX under the account # XXXX in the amount of {$910.00}, XXXX XXXX opened on XX/XX/XXXX under account # XXXX in the amount of XXXX and auto loan from XXXX opened on XX/XX/XXXX under account number XXXX in the amount of {$21000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any account listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$52.00}
Product: Debt collection

I have made payments to an auto loan to get back under 60 days late. keep getting phone calls ever 2 to 3 days asking for more money. I have asked for deferments due to lay off from COVID-19. Found out that the company did not even put notes in the system that I called in XXXX. The company is Hyundai Motor Finance. They are unwilling to help me. They keep calling me after I have made payments telling me they will repo the car. This is Harassment by a bill collector.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this issue with both XXXX and Experian. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both XXXX and Experian DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. XXXX AND Experian reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!