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

It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my Equifax. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my Equifax. I have filed a police report and have also opened up multiple disputes with Equifax that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to Equifax also. My family of XXXX will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report
Product: Credit card or prepaid card

Sir/Madam : While on vacation in XXXX XXXX, XXXX last XXXX XXXX, 2017, I checked in to XXXX XXXX for XXXX XXXX. After 3 days I was discharged, but to my shocked I was billed for {$62000.00} on my Chase Bank visa credit card. Chase Bank agreed to pay this amount. Chase Bank refused to listen to my appeal. My visa credit limit is for only {$15000.00} and Chase Bank went way way beyond the credit limit. <P/>The XXXX XXXX XXXX in XXXX is only for {$21000.00} and this hospital charged my credit card {$62000.00}, three times of what they would charge for an XXXX XXXX XXXX. I was treated not for XXXX XXXX XXXX, but for a simple XXXX XXXX. It would cost a couple of thousand dollars to give an XXXX XXXX. No question I was victimized like other American tourists that needed some medical treatment. <P/>My wife and I are both retirees and dependent on our SS pension for our daily existence. There is no way we can pay this humongous and unjust charges. It took us several years to save for our vacation to XXXX. The monthly interest plus principal payment on this huge amount would be around $ XXXX-XXXX monthly. This is way beyond our budget. We ca n't survived with this added amount to our budget. Please help to make Chase Bank to rectify this unjust charges. Before checking in to this hospital, I have a credit card balance of XXXX which leave me {$8000.00} I can spend. I 'm willing to pay the whole {$8000.00} to this hospital just so we can go with our life. <P/>We badly need your help. Chase Bank is a multi XXXX company and should be considerate to tightly budgeted customers like us. <P/>Sincerely, XXXX. XXXX
Product: Debt collection

I have been receiving repeating calls from this company. On Monday XX/XX/2019 @ XXXX. I advised the representative not to call my phone number, she told me if I didnt verify my identity she will continue, I told she would be breaking the law. At XXXX XXXX, I received another call from another representative. I also told this representative not to call my cell phone number again and the fact they contact me 2x after I said not to call was harassment. XX/XX/2019 at XXXX I received another phone XXXX XXXX at XXXX, I received another phone call. Ive had 2 XXXX XXXX XXXX   in XX/XX/XXXX/XX/XX/2019 and is no position to become upset or harassed. I have any documents and doctors who support this. As a person I have been harassed and also been violated. Ive asked them several times not to contact my cellphone number and they continue to contact me. Its been so many FDCPA violations made.
Product: Checking or savings account

I learned from a TD Bank teller ( at a different branch that I normally use ) in XXXX of this year that the Preferred Savings Account that my money had been in since 2019 doesn't exist anymore and that it's now a Signature Savings Account and the interest rate is 2.47 %. I had been getting 0.01 % with the Preferred Savings. I should have been automatically switched over to the Signature Savings, or at the vey least, informed of the change when it happened. I was not aware of the change and therefore not able to receive the increased interest rate.

I believe TD Bank owes me the back interest from the time TD Bank discontinued the Preferred to the date I was switched to Signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX. XXXX XXXX, XXXX, Texas are continuing to report an inaccurate charge off on my credit files as XX/XX/XXXX and XX/XX/XXXX. The original and only charge off was on XX/XX/XXXX. I've asked XXXX, XXXX  and XXXX  to correct this and they have not.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

The company is GoodLeap, formally Loan Pal. This has been ongoing since XXXX XXXX XXXX and I did see that several people have complained about this company under both names. I contacted the company and initially filled a complaint with the XXXX. I have attached to files. The first is interest accruals that I got from XXXX as a part of my initial complaint. However, I never got an answer to why did my daily interest go up when my principal balance go down ( excluding the one time that I stopped my auto pay, which increased my interest rate ). The second contains several monthly statements. My interest and principle are going down then in XX/XX/XXXX I get charged {$70.00} in interest, which is what I was charged in XX/XX/XXXX when my principal balance was $ XXXX and XX/XX/XXXX it is $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

i found that this account is not belong to me and i found that this account is damaging my financial life
Product: Checking or savings account

Unauthorized transactions were reported on my account were someone had compromised my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. I was apart of the data breach with Equifax.
Product: Mortgage

I am being sued in a foreclosure by the loan servicer Ocwen XXXX. My loan was closed with XXXX XXXX and they are no longer in business, then XXXX assumed the loan and placed in a trust and the trust no longer exist now Ocwen sent me a letter stating they have a lien on my property.
Product: Credit reporting or other personal consumer reports

This account was paid and full on my credit report and its still showing as a collection its stopping me from obtaining a higher credit score for a better interest rate for a home for me and my family XXXX XXXX # XXXX
Product: Debt collection

The Law Office of XXXX XXXX XXXX placed a lien on my property located at XXXX XXXX XXXX. XXXX ME, XXXX. This was done on behalf of XXXX XXXX for a credit card debt of {$10000.00}. However, my interest in this property does not exceed the statutory maximums and the residence is therefore exempt from attachment under 14 M.R.S.A. 4422 ( 1 ) ( A ). They were notified of this on XX/XX/2020 and was given 15 days to remove the Lien. As of XX/XX/2020 they have given no response.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Payday loan, title loan, or personal loan

Hello! On XX/XX/XXXX I opened up a loan with Self Financial Inc of {$1600.00} that specifically stated how I would have roughly 12 months to pay off. I opened this account because it was to build up my credit, they would first have me pay off the loan amount and then send out the payment to me. They then offered me a secured credit card, which I opened up and deposited a portion of the loan I had already given them. This resulted in my new payout amount dropping from {$1600.00} to {$980.00}, again this was due to the fact that I funded the secured credit card with the deposit I had initiated with the money I had already given them. I would have to pay a minimum of {$140.00} a month, however, I finished this loan early on XX/XX/XXXX, and they responded with an email saying how they would send out my loan payment through direct deposit and that its arrival date would be XX/XX/XXXX ; the amount of {$980.00}. I never received the payout on XX/XX/XXXX and I emailed them several times, they asked for a series of documents proving my identity which I sent out. This included my XXXX passport, social security number, Social Security card, bank statements, a picture of my debit card, and more. They said that they were going to close my account if I did not send them the documents and that they would not send out my payment either until I sent them said documents. However even then, they said I would have to send them a state-issued ID and my driver 's license, which I don't have. I have no trouble acquiring a state issued ID at this point, but I decided to do some research and I saw that many many people were dealing with the same issues as I was, even though they sent every form of ID that was asked of them to do so. Their rating on XXXX  was almost a 1 star, I wish I did my research earlier on. I don't believe this is fair because they seem to have no trouble asking me for these before I opened up an account, but somehow they need it for when they're supposed to pay me back now?
Product: Credit reporting or other personal consumer reports

I have been working to get my Credit Utilization Rate ( CUR ) under 30 %. I recently paid off XXXX credit cards this past month and also paid others down. My credit score DROPPED XXXX points. 

I paid off my home in 2018 and my credit score dropped over a XXXX points which caused me to not be able to purchase another home because my score was too low. This is very unfair. 

When I contact the credit bureau I am told.well you paid off your oldest account and there is nothing we can do about it. 

NOW I am paying down my XXXX XXXX account ( 2 days ago my CUR was at 21 % ) and I received a letter yesterday stating they are lowering my limit, which is going to, AGAIN!!, make my credit score go down. My XXXX card was at 21 % CUR. Now my score will drop AGAIN because my CUR is now going to be at 96 %. My balance on the card is {$360.00} and they lowered my limit to {$380.00}. The limit prior to this letter was {$2000.00}. I have NEVER had a late payment on ANYTHING on my credit reports. My XXXX is 14 %. 

This is just a way for Credit Companies to make additional money off consumers to raise interest rates higher because I can never get my score up. 

I am a XXXX XXXX XXXX for a bank! 

Consumers are being punished financially but there is no wrongdoing on the part of the consumer! The letter I have attached states one of the reasons is " The percentage of times payment was greater than the amount due on this account over the last 12 Months is too low. '' Well I have proof I Since I have used my card ALMOST every payment was much great than the minimum payment required. There are also several months that I made more than one payment. 

The letter also states Key factors that adversely affected your credit score : No Open Real Estate Secured Loans In Your Credit File Too Many Bankcards With High Balance Compared To Credit Limit. Well how am I going to get a XXXX XXXX XXXX when I penalized for paying stuff down or off?? My score is so low due to paying stuff down that I cant even get a real estate loan. Alsotoo many bankcards with high balance compared to credit limit!! They literally just lowered my limit so I am at 96 % Credit Utilization rather than the 21 % I was JUST AT. This is ridiculous. How can anyone move forward if they keep changing the limit or lowering your score for no apparent reason! 

When will Credit Companies and Credit Bureaus be regulated so they cant do this?! Where are the guidelines for our credit scores? I see nothing anywhere about a guideline for score increases and decreases. It should be a point system. Such as..do this your score will go up this amount of points or down this amount. 

The credit bureaus are just doing whatever they want with no rhyme or reason and consumers are paying for it ..literally! 

There needs to be regulation. THIS IS UNFAIR!!!!! 

I am a single woman raising my grandson alone. How can I ever get ahead.!?! 

When will something be done to help consumers who are moving in a positive direction and haven't done anything wrong???
Product: Mortgage

The company never once took into consideration the cash offer of {$3000.00} and other options for me to retain the home. They never listed options on how I could make that a possibility. All this company has done has shot down XXXX different modification request attempts, XXXX denials of appeal letters. I was also forced to wait longer than 30 days for an answer to my last request. It recieved a letter after more than 45 days from the letter i sent in. I have had to go through so many phone calls with many different people calling me and asking me questions that don't relate to my case and when it did it was to say I forgot to send something that had already been sent. I also worked with XXXX XXXX on the matter, a representative from sc homes and someone whom helps people like me send the paper work and try to get the company to work with the state to allow the person to stay in their home. Her email is XXXX and she can also be a witness to the testimony that I have given. They never once called once they recieved the paper work to let me know what possible outcomes they are coming up with and nothing ever changed even when a cash offer came in to pay part of the past due balance? Something is definitely a little off with that, basically not showing any different reaction or concern even when a cash offer to help make up for some payments of {$3000.00} which basically makes up 6 months of amount. The option that is the only one available is the same option I've had every time. Please contact me at XXXX
Product: Debt collection

I did not receive services on the date that the company is stating. I have disputed multiple times as well as asked for a summary of services to see exactly what I am being charged for because I was not seen. I did not receive anything from this stating I even owed anything, the only reason I found out about this collections was due to the fact that I checked my credit report and saw this on my credit report. I have not received any information as well.
Product: Debt collection

I did not authorize nor consent to the following collection account being furnished to all major reporting agencies on my consumer reports : NCB MANAGEMENT SERVICES, INC. I also did not authorize nor consent to the following collection account to collect a debt and harass me by continuously calling my phone, mostly when I am working : NCB MANAGEMENT SERVICES, INC.
Product: Credit card or prepaid card

I received a change in terms email from Paypal. There was a link with the changes which I went to. I did not agree to the changes, which appeared to make it easier for Sellers to avoid chargebacks and returns through Paypal. I responded to email, which was returned as NO REPLY. I then went to the Paypal website to close account, which was not possible. Contact pages do not work. So, I called their number and could not speak with a human. A computer answered and the greeting options had no provision for closing an account. At the end of the long loop of options, Paypal said they could not proceed and suggested I return to their website to get the information I needed, which is impossible. It is clear this company does not want to communicate with their customers and will not close an account even when customers choose to do so after they change terms of the agreement for using their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!