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

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. Experian directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. Experian claims they recieved the alert from XXXX, who claims XXXX   initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this compliant to express my deep disappointment and frustration with your companys handling of my loan account. As a military service member, I have faced financial hardship due to job loss and delays in military pay. Despite these challenges, I made an effort to reconcile the debt directly with your company, but my attempts were met with refusal and inflexibility. 

Rather than work with me to find a reasonable solution, Upstart chose to sell my account to a third-party collection agency, XXXX XXXX XXXX XXXX. This decision not only ignored my financial situation but also left me in the hands of a predatory and unethical debt collector, exacerbating the stress and harm to me and my family. 

I contacted XXXX XXXX in good faith to settle the debt or establish a payment plan, but they have been completely unresponsive. Furthermore, on XX/XX/year>, while I was away on military orders, they sent unidentified individuals to my grandmothers home, causing unnecessary distress to my family. These actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and show a lack of basic decency on the part of the company Upstart chose to sell my account to. 

As a loan originator, I believe Upstart has a responsibility to ensure that its customers are treated fairly, especially those of us who are military service members. The Servicemembers Civil Relief Act ( SCRA ) provides specific protections to those on XXXX XXXX, yet XXXX XXXX has ignored these protections by filing a small claims case against me while I am on XXXX XXXX and in a jurisdiction where I do not reside. 

It is unacceptable that Upstart would allow this to happen to someone who tried to address their financial difficulties directly. I am calling on Upstart to take responsibility for this situation and work with me to resolve the matter fairly. I propose a settlement of 20 % of the delinquent principal at the time my account was sold to XXXX XXXX. 

I trust that Upstart will reconsider its approach and do the right thing by intervening in this matter before further legal actions become necessary.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This issue has caused me considerable stress, as these inaccuracies don't reflect my true financial history or money management habits. I've previously addressed this concern, and I'm now requesting expedited removal of these accounts from my report. If necessary, I'm prepared to pursue legal action to safeguard my rights and resolve this matter. These erroneous entries are impeding my ability to achieve significant financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this problem.
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX  closed my account for fraud, which had nothing to do with me I explained twice in a claim that my phone was stolen and someone hacked all my accounts and my information was used In a bank check fraud scam, I have a memory XXXX which is documented where i cant remember things so i keep all my information and passwords in my noted and I have no lock on my phone, my financial aid was deposited into the account and they are not sending me what they owe me, im a XXXX XXXX XXXX  mom thats need my money and no one is helping me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a new item on my report that just showed up from the identity theft i tried to call experian and they were very rude and would not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week, Sequiim added a collection account to my credit report for XXXX XXXX I have NEVER had been contacted by them nor XXXX XXXX  for anything and have disputed with XXXX and XXXX. I have NEVER had XXXX XXXX. This collection account is not been vslidated and does not belong to me.
Product: Debt collection

XX/XX/2022, CREDENCE has broken/violated consumer law. I want monetary relief. I have written a affidavit of truth stating the facts of which laws have been broken by this company.
Product: Credit card or prepaid card

I have not received my Indigo Mastercard replacement card. I been waiting over a month to receive my new Indigo Mastercard credit card with my credit limit of {$300.00} via U.S. Mail. I still havent received my Indigo Mastercard replacement card. I want Indigo Mastercard to send me my new replacement card. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, XXXX : XXXX
Product: Vehicle loan or lease

I have a loan on my XXXX XXXX with Toyota Financial. I made an extra advance payment of {$3000.00}, but Toyota FRAUDULENTY took {$770.00} of that payment as interest. I called them and they agreed to apply the entire {$3000.00} towards principal. However, instead of doing that, they simply reversed my payment and reverted the amount of my loan to what it was BEFORE the {$3000.00} payment. I called 4x and STILL NOTHING. THEY ARE INCOMPETENT XXXX XXXX XXXX. THEY STOLE {$3000.00} FROM ME! 

Please help as calls and online messages are completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

Hello. I 've been working with XXXX from Primere Residential Mortgage , Inc. in XXXX, KY. First, I 've been repairing my credit for a year to get my score where it needs to be. I understand the consumer report may show a different score than mortgage companies calculate ; however, I did not expect there to be inaccurate information. Primere Residential uses XXXX XXXX to provide the FICO score to determine your loan eligibility. However, their middle score was XXXX versus my XXXX middle score. I compared the XXXX and immediately realized XXXX XXXX had old information. At least 3 months old. 1st, my credit utilization was showing 85 % on their report, but XXXX was reporting 30 %. I can calculate this myself and I had been at 30 % for a few months. Also, they showed a collection in the amount of {$300.00} that I had already disputed w/ the XXXX credit bureaus and had removed about four months prior. When I called to ask why there were discrepencies, XXXX XXXX refused to talk to me, the consumer. They said that the mortgage agent who requested the report must call. When I contacted XXXX, he basically told me to keep working on my credit and did not call. He said he talked to his boss and there was nothing they could do, even though I had supporting documents showing that the information being reported was inaccurate and more than 30 days old. I can not fix something on my credit report that the bureaus have already removed. The report is wrong, yet the reporting company and the mortgage lender refuse to fix the errors OR even explain to my why I 'm seeing those errors.
Product: Debt collection

In  XXXX     2012  I was involved in a car accident.  XXXX   (   XXXX   XXXX   XXXX   ) a dvised that they offered a free consultation to accident victims. I went by the office and spoke with the receptionist but never returned to have treatment started. After several years, I noticed a charge of {$320.00} on my credit report from  Collection Services of Athens. I co ntacted the company several times and told them I never received services and asked for a breakdown of the services I allegedly received and they have never produced that information.  <P/> The  XXXX  center is no longer open and I am unable to get any assistance. I should not be charged for services I did not receive.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I do not owe CONVERGENT OUTSOURCING in the amount of {$1000.00}. Requested debt validation, company has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report continues to report a collection from XXXX XXXX in the amount of {$200.00} dated XX/XX/XXXX, even though the age of the account dictates it should be removed. Equifax also " re-aged '' the account to show it more current than it is in order to keep it on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking the updated report I recognized that the same accounts are still incorrect. Please correct/update the following accounts listed below : XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX Balance : {$400.00}
Product: Credit card or prepaid card

Credit Karma Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to Credit Karma I dont know what to do because its stressful when ur trying to build ur credit up
Product: Credit card

Please remove all of these hard inquiries from my credit report. I did not authorize this creditor to run my credit.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts on my credit report that was removed, how can they report on my credit same account XXXX different creditors. This is an improper use of my credit and should be removed right away. 


According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft due to a data breach. As a result, fraudulent information, including a bankruptcy record and several unauthorized credit inquiries, has been added to my credit report without my consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent entries from my credit file. 
Fraudulent Bankruptcy Record : 1. Bankruptcy o Case Number : XXXX o Filing Date : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries : 1. XXXX XXXX o Date of Inquiry : XX/XX/XXXX 2. XXXX XXXX  o Date of XXXX : XX/XX/XXXX 3. XXXX XXXX o Date of Inquiry : XX/XX/XXXX 4. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX  o Date of XXXX : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX 7. XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Debt collection

Unathorized charges, Fraudulenty Opened and no knowledge of accounts, reported fraudulent to ftc.gov and identity theft.gov, and disputed multiple time with credit beaure company keeps reopening this acct like it is new, and illegally reported it multiple times. I repeatedly report it as fraud and I am not getting anywhere, according to credit report I owe {$790.00}, i never received a card, merchandise etc. I have been out of nevada for 7 years I was at United States XXXX XXXX at XXXX XXXX since XXXX XXXX XXXX  went to station in XXXX XXXX XXXX  since XX/XX/XXXX until XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current XXXX. XXXX  reported this opened in XXXX which was false due to i have XXXX since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the XXXX major credit bureausEquifax, XXXX, and TransUnionregarding significant discrepancies across my credit reports. Each of these bureaus has reported different information, which is inaccurate, misleading, and potentially damaging to my credit profile. Despite my attempts to resolve these discrepancies directly with the credit bureaus, I have not seen a resolution or even a satisfactory explanation for why these errors persist. 

Upon reviewing my credit reports from each of the XXXX bureaus, I have noticed the following discrepancies : Different Collection Accounts : Each credit bureau is reporting different collection accounts, some of which I have no knowledge of or responsibility for.

Inconsistent Information : The same account may be reported differently ( in terms of status, balance, or date of last payment ) across the bureaus, leading to confusion and a lack of clarity in my credit history. 
Unverified Entries : Some accounts listed are not verified, and I have not been provided with documentation or verification from the creditors or debt collectors involved.

These discrepancies are causing severe harm to my credit standing and making it impossible to get a clear and accurate view of my financial history. The lack of consistency across the three reports is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also creates an environment where I am unfairly penalized based on inaccurate and incomplete information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the following : The credit bureaus comply with the legal requirement to report accurate and consistent information. 
The disputed items are corrected or removed based on the results of an independent investigation by your office. 
The credit bureaus are held accountable for failing to maintain consistency in their reporting of my credit information. 
Enclosed, you will find copies of my credit reports from XXXX, XXXX, and TransUnion, highlighting the discrepancies I have outlined. I have also included any communication Ive had with the bureaus, as well as any responses or lack thereof. 

I request that you keep me informed throughout the resolution process and provide me with a summary of the actions taken to address my complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue
Product: Mortgage

I currently have a loan with a company called NEWrez. The loan is over 2 years old. 
I have requested to have my PMI cancelled since the current value of my house puts the LTV below the required 80 %. I have requested to get the company to indicate what process I should follow, I have attempted to do so for the past 6 months. My most recent request was on XXXX 
1 ) They are sending formatted letters saying someone will contact me 2 ) No one is contacting me and they are not able to help when I call customer service number.

3 ) I am currently paying close to {$400.00} per month on this PMI and I have perfect payment records.

4 ) This company is making it extremely challenging to get answers and get the PMI cancelled to the point that I feel completely taken advantages of.
Product: Student loan

I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.
Product: Credit reporting

have had a debt that was suppose to come off of my report XXXX. account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple XXXX less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its passed the amount of time to be reported on.I included that credit report to show when they started reporting and when they opened the account for collections