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

To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : XXXX, XXXX and Equifax. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the Equifax and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with XXXX and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB has had a data breach and our data was affected because of this. The incident is a FCRA violation. The negative items I have on my report have been updated due to the CFPB breach and that is in violation of code 1681I. I would like all negative remarks removed from my account based on this breach and violation. My personal information has been compromised and I didnt give permission for this and the company is in violation. Please remove all negative remarks from my account including late payments, missed payments, or negative debt.
Product: Debt collection

On XX/XX/XXXX I received a letter from I C System debt collection agency dated XX/XX/XXXX stating that their office is increasing the balance owed on a delinquent account due to additional charges being incurred. The original balance was {$66.00} and I C System added {$520.00}. I C System is now trying to collect over 8 times the original amount of the debt from me. On XX/XX/XXXX, I sent a postal money order ( serial number ) XXXX for {$66.00} to pay my co-pay to the original creditor. My job insurance paid the rest of the entire bill already. I don't owe any more money. This company is falsely stating and misrepresenting the amount that I paid. They sent me another bill for {$66.00} and added another bill for {$520.00}. They are trying to collect twice. This bill was already paid. Please help, this is unfair business practices. Any assistance will be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Mortgage

I was incorrectly reported 180 days late on my credit report by my servicer. I was under a XXXX forbearance plan which was coming to an end on XX/XX/2023 with my first payment becoming due on XX/XX/2023. I was still experiencing financial hardship and unable to resume payments. I reached out to my servicer requesting an extension and was advised that my investor only granted a 12 month extension. I was then given the option to submit a hardship application which I did on XX/XX/2023. My servicer approved me for a conditional Trial Period Plan on XX/XX/2023. My credit was supposed to be protected since I was under a COVID forbearance/trial period plan. The company failed to protect my credit.
Product: Vehicle loan or lease

I paid the car off on XX/XX/2018, the finance company was GM Financial, There was an overpayment of about $ 130+ I got a letter from GM Financial stating the loan was paid off and I got a payoff letter along with the paid contract, but NO refund check, they said I would get that latter before 30 days. They say they mailed it out at the 30 day mark, but over a week later I still do not have my refund. If I am late with my payments, they charge me a 30 day late fee, and they submit my error on my credit report. I called and asked why I do not have my refund and was told it can take 2 weeks in the mail, I can not see why this takes that long, I dont believe they mailed the check, and if they did, it only takes about 3 business days at the most. This is ridicules.
Product: Debt collection

Sallie Mae will not stop contacting me about my brother 's debt. I am not a cosigner on his debt or in any way connected to his debt, and my brother never listed me as a contact or provided them with my information at all. This is a brand new phone number so I don't know how they even got it, but they called me to ask that I give them my parents contact information, which they already have correctly on file. They are harassing me and I have no connection to this debt whatsoever. When they called they did not state that their request for my parents contact info was in regards to any sort of debt, and they are required by law to state that their contact is with the express purpose of collecting a debt and that any info received will be used for that purpose. 

They are also calling and harassing my uncle now, and he also has no connection to the debt and my brother never provided his contact information either. Their behavior is harassment and is in violation of my rights as well as that of my brother, uncle, and parents.
Product: Debt collection

XXXX XXXX HAS LIENED MY PROPERTY WITH JUDGMENT OF THE DEBT THAT WAS INCLUDED IN THE BK AND AFTER BK WAS DISCHARGED. MY NUMEROUS ATTEMPTS TO HAVE THEM REMOVE THIS LIEN WENT INGONED. NOW THAT I 'M SELLING MY HOUSE, TITLE COMPANY REQUESTED A LIEN RELEASE INSTEAD MIDLAND SENT THEM A PAY OFF DEMAND FOR {$8200.00} FOR THE DEBT THAT WAS INCLUDED AND DISCHARGED IN BK ( SEE ATTACHED PAY OFF DEMAND FROM MIDLAND ) WHO AKNOWLEDGED THE FACT OF BEING NOTIFIED OF MY BK HOWEVER, STILL DEMANDED TO BE PAID ON THIS DISCHARGED DEBT WHICH I FIND TO BE A VILATION OF FAIR DEBT COLLECTION PRACTICES ACT! TITLE COMPANY SENT IN THE CHECK BY MISTAKE BUT MIDLAND DID CASHED IT NOW IS REFUSING TO REFUND THE MONEY THEY ILLEGALLY COLLECTED IN FIRST PLACE. MIDLAND VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND US STATES BANKRUPCY CODE!
Product: Debt collection

During my honeymoon i bought a timeshare with XXXX XXXX. I opened a new credit card to open the package and a month later i received the credit card in the mail. I was told the package came with free cancellation so never activated the card because i did not need to use it and just pay through the company, XXXX XXXX. Turns out the company of the credit card was XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX. I then get a call from a Debt Collection company named Capital Management saying i have an outstanding debt to collect and that i need to pay. Im getting ready to refinance my home so i agreed and payed the debt collection company what i owed every month. I go in to refinance my home and sadly was denied, the lady helping me told me that a closed account from XXXX XXXX XXXX was a major reason why i was denied and i told her that they SOLD MY CASE to Capital Management who i was now paying what i owe to. My case was closed XX/XX/2020 from XXXX XXXX XXXX and sold to Capital Management who i have been paying monthly till my total debt is payed off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX XXXX XXXX h

as 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. This is my second attempt requesting this company to investigate this account. I do not recognize this account and I never applied for a credit with this company. This account is a fraudulent account open under my name and social security number. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failure to conduct a reinvestigation ; request for damages under the FCRA
Product: Consumer Loan

Regional Finance constantly contacted me multiple times per day after making arrangements to pay. They contacted my husband who is not listed on my account and solicited a payment from him. They also provided him with information regarding my account and the account status. He is not on this account or authorized to receive any information. My son dropped off the payment close to their closing time and they refused to provide him with a receipt but took the payment from him. This concerns me because I 'm not sure if the payment was applied to the account. When I called to speak with the store manager XXXX she placed me on hold and neve returned to the phone regarding the issues I was having with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed 15 USC 1681 section 602 Alpha 15 USC 1681 604 Alpha Section 2, 15 USC 1666 Bravo, 15 USC 1681 B. All which states these inquiries must be removed.
Product: Mortgage

We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. 
The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. 
We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. 
I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.
Product: Student loan

I have a student loan with Citibank whom I can can not speak to about any my questions, concerns, or complaints.They are being serviced through XXXX XXXX, XXXX and they basically can only collect payments. Months ago, I tried to contact Citibank and XXXX to have my loan payments lowered and/or postponed and I received no help. On XX/XX/17 at XXXX XXXX, I called to make my monthly payment so that I would n't receive a late payment reported to the credit bureau and I was informed that XXXX reported the late payment at XXXX XXXX. Now my credit score has plummeted and they will not give a curiosity removal or reversal even  through I made the payment the same day as the reporting. I had no idea that they report to them at XXXX XXXX or I would have call on my lunch hour at work to make the payment.
Product: Money transfer, virtual currency, or money service

I create grow videos on XXXX. My main sponsors are light companies, they send me money through PayPal to purchase the equipment on XXXX. After receiving money this morning for a new piece of equipment that I was going to order, I got a notification that my PayPal has been permanently limited and I wasnt allowed access to my money or able to transfer it. 
They claim that I did something wrong but I have done nothing illegal or against the terms of service. How is this legal for them to hold money for no apparent reason. They claimed they reviewed it, but it happened immediately after accepting the funds so its obviously automated and not reviewed by anyone. 
Please help my account is not unusable and they wont give me a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appears on my credit reports - XXXX, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting that I have a XXXX late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible. Accounts in question would be XXXX XXXX XXXX XXXX dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my report the XXXX  XXXX acct on transunion and XXXX are reporting inaccurate.XXXX  XXXX # XXXX, balance XXXX this acct is paid and current. It is reporting as charge off under payment staus and remarks are reporting as chargeoff and derogatory.which is false and defamatory.this misrepresentation must be corrected in 4 business days.change payment status to paid current.fcra violation 15usc 1681c,15usc1681i,15usc1681e.improper comment code.acct status change to close positive from closed derogatory.fcra violation 15usc1681e,15usc1681a,15usc1681i.change comments from chargeoff to paid.fcra violation 15usc1681c,15usc1681g,15usc1681n improper special comment code.legal violations defamation of character.negligent enchantment of identity fraud.violation under 15usc1681 n civil liability for negligent noncompliance.failure to comply with 15usc1682g.15usc1681b permissible purpose of consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in complaint orginally XXXX and submited it as 30 days over limit last week and have not heard a word from company on what their doing to rectify this not even email
Product: Checking or savings account

They told me that they couldnt do nothing about the zelle that was missing 2000
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..
Product: Credit card or prepaid card

On XX/XX/2023, my discover credit card ending XXXX with my previous last name on was stolen and got 6 fraudulent transactions total in XXXX and XXXX XXXX with total amount of {$510.00}. I immediately reported the next day in the morning when I found out and a temporary credit was sent back. 
A month later, with no other information provided, discover had declined my claim. I had to re-submit another investigation with them and filed police report, credit report as they directed me to do so. After 30 days, they declined my claim again for reason of unable to contact the police. I have found FDIC laws and regulations under EFT ( electronic funds transfer ) that they should provide me a summary of disclosures I have signed upon account opening and providing evidence that the fraudulent charge was made by me. Otherwise, I am only responsible for up to {$50.00}. I speak with one of the supervisor at discover customer protection, he claimed that at this point there is nothing they can do, and if I want, I can have a lawyer contact their legal. 
Please help, if a lawyer is recommended, I am willing to fight for my right. Thank you.
Product: Debt collection

I received 3 to 4 calls a day from this number. Most of the time, they hang up. When I speak to a person I have explained to them that this debt is from an account I had in 2017. Also I explained this account is part of a program I have with a Debt Management Program through XXXX XXXX XXXX. I told them they are not supposed to be contacting me. They keep calling and when I asked to speak to a supervisor, he threatened me and told me they were going to sue me for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
Original Creditor : 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 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: Debt collection

I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by your company. Specifically, that XXXX has placed my account for collection and selling my information to DNF without my consent of communicating to any unauthorized third party and without XXXX providing me with an opt-out disclosure in our initial transaction, you are in in violation of 15 U.S. Code 1692c. 
As evidence of this violation, I have attached a copy of my consumer report, which shows that your company has placed my account for collection with the notation that the original creditor was XXXX. However, I have not given consent for my personal information to be shared with DNF Associates. 
This action by your company has caused me harm, and I am requesting payment of {$1000.00} for the violation. I request that you issue a check for this amount no later than 10 days after receipt of this letter. If this matter is not resolved within the allotted time frame I will take legal action against DNF Associates. I am demanding to cease all communication and reporting of this immediately. Do not contact me unless informing me of the remedy requested. The requested response must be made by affidavit. 
Sincerely, XXXX XXXX