23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Account Number : XXXX Date of birth : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX Todays date : XX/XX/XXXX Empower Finance XXXX XXXX XXXX, Floor XXXX, XXXX XXXX, California XXXX Re : Disputing error [ XXXX ] on credit report Dear Empower Finance, I am writing to request a correction on the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : -Account number XXXX XXXX XXXX, XXXX -The report shows that I currently owe money to your company, which is inaccurate. On multiple occasions, I have attempted to contact your company via email and phone call to determine the exact details of this debt that is currently on my credit report. Your company has failed to find this debt and allow me to legally pay the debt if it was mine. On XX/XX/XXXX, I sent an email to Empower Finance asking what this debt is that has been reporting to my credit report. This debt collector has been negatively affecting my credit and reporting as so. The company stated they sold this debt to another third party debt collector. They provided the number so I can call the third party debt collector. I called the third party debt collector ( Trueaccord ) on XX/XX/XXXX who informed me via email and phone call that they transferred this debt back to Empower finance ( the original debt collector. ) I then forwarded that email to Empower on XX/XX/XXXX indicating that XXXX does not have this debt that they are claiming I owe. XXXX emailed me back on XX/XX/XXXX stating that they would work on the issue. I then called Empower again on the XXXX of XXXX and advised me that they would have a supervisor returning my call to expedite the handling of this lost debt. This account is negatively affecting my credit and is falsely reporting as opened. It is affecting my credit decisions. Please delete this debt. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22
Product: Mortgage

This is a reoccurance of a problem with Loan Care Account Servicing. They are servicing a contract for deed for a rental property for us and have now, for the second time, neglected to reconcile the year end accounting and pass on the incremental charges. They wait for years until the increases eat up the buffer and then want to try charge me a large sum all at once!. The problem is that these small yearly increments can be passed on to the renters, but a 3 year buildup can't be! This is exactly what happened before ... CFPB case # XXXX, which I have attached. Loan Care has been  consistently negligent in their duties of our contract and expect me to pay out of my pocket for their negligence!! 
In addition, at the close of the last complaint, I objected to the fact that they said they were going to do away with the buffer and that It looked like they were just taking the buffer away and adding it back into the account to look good. I never did receive a response from either the CFPB or Loan Care. 
I have attached the letter from Loan Care stating that I owe {$1300.00} ASAP and that my payment will be increasing by $ XXXX/month ( $ XXXX/year ). 
I have also attached County documents showing that my taxes went up {$94.00} last year and Insurance receipts showing that my insurance went up {$130.00}. 
That is a one year increase of {$230.00} and Loan Care wants me to pay them {$1300.00} AND increase my payments by {$500.00} per year!! They are grossly neglecting the only duty they are hired for and that is to reconcile and steward a loan. 
Have I tried to work it out with Loan Care? Yes. I started with a phone call on XX/XX/XXXX to XXXX who said he would have supervisor call me back, didn't happen. On XX/XX/XXXX, I called again, talked to XXXX and he said a supervisor would call me back. I eventually did talk to a supervisor who said she would talk it over with the office and would call back later in the week. She did and admitted they Neglected to reconcile the account and said all they could do was to try to pay the upcoming insurance payment and hope the increase in payments would catch up to the deficit. 
This NOT what we are paying them for!!
Product: Credit reporting or other personal consumer reports

I received a hard credit score inquiry alert on my bank and at my credit karma and I have never called capital one and theyre telling me that on XX/XX/year> someone called in order to get or pull my credit score to make up an account that I never knew about or I have not approved of. Someone using the phone number XXXX called capital one and tried doing a fraudulent inquiry on my credit score. I called capital one and they said they can not do anything about it until I call on XXXX and they will be able to let me know when and where the person called from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the US Dept of Ed have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.
Product: Mortgage

I have a deed of trust been service by XXXX and the investor XXXX XXXX around XXXX 2016 XXXX informed me the deed of trust it will be transfer to Nationstar Mortgage, This suddenly transferring of the Service it sounds to me a bit strange. When I started to ask XXXX for the XXXX payments I did on the deed of trust did n't reflect the correct balance. So I did send A QWR to XXXX Mortgage and Nationstar Mortgage dated as XXXX XXXX 2016 thru XXXX mail, XXXX answered it partially However Nationstar advised me on a letter they will have a full Answer by XXXX XXXX 2016.However up to date I have n't received anything on regards which it makes Nationstart Mortgage violated under RESPA due to the servicer 's noncompliance I 'm entitle to damages not to exceed {$2000.00}. I received instead from Nationstar Mortgage an Monthly Payment statement for the Month of XXXX demanding payments for XXXX and XXXX 2016, I called Nationstart I spoke with a Supervisor name XXXX employer id XXXX I asked her about this How come Nationstar Mortgage does n't answer my QWR and instead after the deed of trust got transferred from XXXX to them " You are demanding payment I was not aware for the month of XXXX 2016 '' .She could n't answer me. I made aware her to note it my account I will make payment for the month of XXXX forward which I did it also I will make for the month of XXXX which I already made.However NationStar have chose to keep ignoring my QWR and instead they sent me XXXX letters XXXX from XXXX XXXX and another XXXX from XXXX XXXX thru certified mail demanding payment for the month of XXXX and XXXX called Nationstar Mortgage I demanded to speak with a Manager on this matter I spoke with XXXX XXXX whom asked me to have payment proof for the month of XXXX 2016, I told him first Nationstar Mortgage need to answer my QWR and its already violating for non compliance and I been owed by them {$2000.00} also I told him he needs to put a note on my account I would report this matter to the CFPB and I would add another violations done by this Alleged servicer as Unjust Enrichment, Assigning themselves the title of Servicer, '' servicing the deed of Trust instead to be assigned by the investor XXXX XXXX. 
I have to noted for the record I 'm attaching an email received from XXXX XXXX the investor as XXXX XXXX 2016 showing XXXX XXXX as my current Servicer and not as Nationstar Mortgage has been stated on the letters before Affirming they are the Current servicer on this deed of trust having these type of contradictory documents I can assume I been mislead and fraud on this deed of Trust by XXXX XXXX and Nationstart Mortgage. I would like to have a US Regulator to look into my matter and to stop any late charges or report of any credit on this deed of trust to credit the agencies until it gets clear.
Product: Credit reporting or other personal consumer reports

**Inquries** All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

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 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 attempted to initiate contact with this company IQ Data International on XX/XX/2021. I had just settled another debt and finished making payments, so I called this company to set up a payment arrangement. They stated they do not do that, and my only option was to pay within 5 days, or they will cause harm to my credit. I then offered to make 50 % of the debt arrangement on a date in XXXX  that worked with my payment schedule, as well as my other bills, and finish paying the other 50 % in XXXX  on the exact same day. Instead the company stated that I MUST call family to borrow the money, which is not an option, or that I MUST take out a loan with very high interest to pay off this debt ( which I can not afford any additional interest as I am on a fixed income ), or finally, they told me that I need to skip buying groceries to feed my family in order to pay the debt. Mind you, this debt has existed on my credit report for a year, I was calling to come to a resolution and get it settled within the next few months. It was all or nothing and ultimatums given to stop feeding my family, or stop paying for a roof over our heads to accommodate their demands.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been inaccurately reporting on my credit reports for XXXX years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX  after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last XXXX  years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE items XXXX  XXXX XXXX XXXX XXXX XXXX XXXXon my personal profile which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information no knowledge of accounts reported through FTC identity theft and PO report, violation of FTC and CRA
Product: Credit reporting or other personal consumer reports

Yes I set up a self builder account with this lender and they are incorrectly reporting on my credit as late. I spoke with them regarding that I was having identity theft issues and that I will be using a different account to pay my {$25.00} payment in XX/XX/2023 and called and gave a representative my new account information for them to deduct from. However they never deducted the money from the new account and they reported me as being late on my credit report! This is unfair practices as I am trying to buy a home and suddenly this has popped up on my credit report!! I spoke with the company and they refused to fix this error when I in fact gave they auto pay to deduct from the new account and today on XX/XX/2023 I called to question why they hadnt deducted the money from my account they said they made an error and can not fix this from reporting to my account!! I called and made the of {$25.00} from the same account there were suppose to deduct from in XXXX and they refuse to correct this as paid on time on my account!! This is hurting my character with lenders and affecting me being able to purchase a home and I feel this was unfair practices. Under the fair reporting credit act 15 u.s.c 1681g and 15 usc is 1681 ( a ) ( 4 ) this is a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call dept of education and was advised that my discharge status is in good standing and provided me a letter from dept of EDU. The dept of EDU said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from Dept of EDU stating of the incorrect information being reported.
Product: Credit card or prepaid card

Hello! 

I have a problem with Chase Credit Cards. I was a Chase Sapphire Reserve customer, and after they increased the membership fee I decided to terminate my account. I did that through a call with a Chase representative on XX/XX/2021. 

At the time, I had XXXX points, which is equivalent to ~ {$1300.00} if used for airline tickets, for example. During the conversation with the agent, my wife was told we had 3 months to use the points before they disappear. In early XXXX we logged in to our account to transfer the points and discovered they are gone. 

We checked the program agreement and found that it too says clearly that If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them. 
Source : XXXX XXXX XXXXXXXX We called Chase, spoke with a supervisor and requested the points be returned to us. Through XXXX, the case was also allegedly escalated to their " Marketing Escalation Research Team '' and the response was " we are sorry, we will not be able to honor your request. ".

We were informed we had 3 months by a Chase agent. The program agreement says " at least 30 days ''. We clearly have the right to these points that we earned in accordance to their program. Please help us get them back.
Product: Debt collection

Consumer Portfolio Services, has not provided me any documentary evidence pursuant to 15 USC 49. They have not provided me with any contract bearing my wet blue ink signature that I owe them. 

Furthermore they have been reporting an alleged account on my credit report negatively. 

I will have no other choice but to file a complaint with the attorneys general if they do not delete this account from my credit report.
Product: Debt collection

I have a debt collection for a utility bill I never used. The services appear to have originated from the creditor XXXX XXXX. I have never used services with this company nor provided anyone else my information to do so.
Product: Credit reporting or other personal consumer reports

These accounts are being reported on credit. I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



5. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting. 
XXXX {$500.00}
Product: Credit card or prepaid card

During XXXX and XXXX had a little financial difficulty making payments in time. Tried to work with creditor to lower payments to keep from damaging my credit.
Product: Credit card or prepaid card

American Express LIED TO ME They told me that they would help during this pandemic and out and out lied. 

They helped for 1 month, just one then started reporting and charging the XXXX out of me for everything they could. 
Constant harassment non stop. Bad reports on mu credit report. over balance missed payments and other XXXX THEY LIED TO ME JUST ABOUT TO GET IS ALL STRAIGHT GUT AFTER THEIR CONSTANT HARASSMENT IM NOT TALKING TO THE XXXX  ON THE PHONE. 

Want to close account and pay it out but they are being XXXX. Yet again. 

THEY LIED TO ME AND TOLD ME THEY WOULD HELP BUT THEN TURNED INTO A PAWN SHOP. 

This needs to stop and there needs to be a correction filed on myk credit over their LIES, Tried over and over to get them to email me since I've been XXXX  and my XXXX XXXX
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by CREDCO on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. CREDCO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Prepaid card

I bought a netspend debit visa card and they ask for name, address, date of birth, social security number this is a identity theft in the making. And when told NO these people set limits to you which I could not pay an important bill online nor get my money back. Then they tell you they ca n't reverse it. Custom service is poor and keep you on hold for long periods of time ... ..I should n't have to give my social security with all this identity theft out here to use money I put on a card. I 'm very hurt by this I filled ripped off and taken advantage of by netspend