23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been paying my bill IN FULL for the last few years and asked repeatedly for a credit line increase ( Always denied ). Since the pandemic I have slashed my spending to the bare necessities : food, rent, car, insurance and use credit cards as little as possible. Today my credit limit was reduced from XXXX to XXXX ( which has now affected my overall credit and will affect my ability to apply for a mortgage ). The credit limit was reduced not for late, missed incomplete payments. It was reduced because " i don't use it enough ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the companies to have the information removed. It still has not been removed and additional items have been added since my last communication with XXXX and the companies.
Product: Debt collection

I paid this Medical collections debt that was owed as a pay to delete, but my credit report is still showing the account is still collection/charge off instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : OXXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Product: Mortgage

As of XX/XX/XXXX my XXXX XXXX XXXX had not been paid by Nationstar dba Mr. Cooper, which would expire on XX/XX/XXXX. I contacted them after receiving an email about the issue, and was informed that they had reached out to XXXX  XXXX XXXX and were waiting for a response. I received no further communication. On XX/XX/XXXX there were no updates on the Mr. Cooper website, so I called XXXX XXXX XXXX to ask about my policy to find that it had been cancelled due to non payment. I now have no active fire insurance during the height of fire season in a high risk area. XXXX  XXXX XXXX said they would send me a new quote since I now have no active policy, and I could buy that policy. I will have to wait up to a week for this process. This has happened every year since they bought my mortgage in XXXX, and I have had to pay the policy out of pocket every year despite having an escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding an account listed on my credit report by XXXX XXXX XXXX. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. Transunion claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( XXXX XXXX XXXX ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise Credit Service # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX XXXX bankruptcy. Equifax, XXXX, and XXXX. the last date of action was taken on XX/XX/2022.
Product: Mortgage

My father passed away on XX/XX/XXXX. There was no will. I informed his mortgage servicer, XXXX, on or about XX/XX/XXXX. At that time, they requested various documents -- death certificate, etc., which I submitted via the e-mail address they provided me. Nevertheless, the company proceeded to foreclose on the home. I paid {$6400.00} from the estate on or about XX/XX/XXXX, to reinstate the mortgage, and I set up auto-pay to keep the mortgage payments on track. The first automatic payment of {$760.00} occurred on XX/XX/XXXX. Around this time, XXXX informed me by mail that the mortgage was being transferred to PHH. Also around this time, I was informed by mail that the lender placed insurance was cancelled. In correspondence dated XX/XX/XXXX, PHH informed me by mail that it was attempting to collect a {$1100.00} " collection cost. '' This is a bogus charge. I have tried on multiple occasions to speak to customer service. After hold times of 20+ minutes, I give up. I am unable to access the PHH online system and have been unable to get through to technical support due to excessive hold times. On XX/XX/XXXX, I sent an e-mail laying out my concerns to two e-mail addresses that were contained in correspondence. I have received no response. I have accepted an offer to sell the house, and I don't want issues with the mortgage company holding up the sale. Monthly payments continue to be withdrawn from the estate account although the payment amount is now {$730.00} for reasons unknown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! 
SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal. 
While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies. 
DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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 or other personal consumer reports

XX/XX/year> ; I called XXXX and ask them XXXX  report my missing account with Capital One ending # XXXX. Representative number XXXX told me that I would have to contact Capital One and ask them to report the information. 

XX/XX/year> ; I called Capital One and informed them that account number ending XXXX was not being reported or my on my XXXX report. Capital one reported that the account was being reported and I must deal with XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 or other personal consumer reports

I am writing to request the immediate removal of inaccurate and incomplete information related to credit report. I am not disputing this account ; rather, I assert that its presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. 
Furthermore, I would like to bring to your attention the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court addressed similar violations of the FCRA by XXXX. In this case, the plaintiff was awarded damages due to XXXX 's failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.
Product: Debt collection

I noticed that I had a debt collector on my credit report. But I had insurance at the time of the visit. So, I hired me a consum er investigator to look into the debt and why is Business Professional Services is on my credit report. Aft er the research was done it was a medical bill with  XXXX   XXXX   XXXX . So, a visit was made to the clinic to find out why did I have a medical bill on my credit report. They looked into their records and found out the bill was actually paid by my insurance. Now, I the collection company will not remove themselves from my credit report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX XXXX I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024
Product: Credit card or prepaid card

My account recently changed from XXXX to this company. Recently I noticed that I had a negative balance for my rewards. I have not had any returns or credit to my account so I don't know how a negative balance can even happen. On XX/XX/2022 I contacted the company via their secure message center to find out what was going on. On XX/XX/2022 they responded and said I needed to call customer service. On XX/XX/2022 I responded and said for my protection I want all correspondence to be done in writing. On XX/XX/2022 they responded and requested I call again. I responded and told them I would find ways to file complaints and we can go that way because I want the protection of the information in writing. I don't want someone to lie to me on the phone. This sort of behavior seems really unethical by the company. What are they trying to hide that they don't want to put the answer in writing? Are they doing something wrong? Illegal? Do then not want to admit that they stole my rewards and gave me a negative balance in writing because they know that I am entitled to those? Are they just like most large companies where they try to take advantage of low customer. I think we need some answers her and for the company to address this unethical behavior. 
It seems the company doesn't want to use the secure message center they have on their site. For that reason, I request that the company contact me in writing either by my email or by the regular mail. I've attempted to use their system and they have shown the inability to answer the issue that way, so to ensure I get a response, I have giving two reasonable options for the company in contacting me.
Product: Mortgage

1st : In XX/XX/XXXX, I was encouraged to move to bi-weekly payments for my mortgage following the online guidance by Citizens Bank. I had been paying via autodraft no problems to date. 

2nd : That month, an agent contacted me from Citizens stating they see that I changed the auto draft to bi-weekly, but they needed to take an extra month payment to be a month ahead of payment for the bi-weekly to work ( 1st problem- this was not clear online, and did not stop me from configuring ). I complied, and paid and told all setup. 

3rd : In XX/XX/XXXX I received a letter stating my mortgage payments were now in arrears and that I needed to settle ASAP and Citizens had informed the credit bureau 's of the delinquency of my accounts! 

4th : I immediately contact the bank, explained that something broke in their process, and settled the arrears. I requested that they check the auto draft bi-weekly was now correct, and they said no they can not do that until 2-3 days after the account is up to date. 

5th : I then called back, and was informed again, that sorry the bi-weekly can not be taken into affect, as needed to pay another 1 month in advance to have the account in a state that bi-weekly can take affect. I settled this and complained again, asking that they correct the mistake with the Credit Bureau agencies- they said they would. 

6th : Bi-weekly auto draft finally takes affect 4-5 months later, but from the wrong account. In their system I have the 'favorite ' account set, and they draw from another account I have as the 3rd option in the list. I call again, they say sorry they can not change the autodraft account themselves. They have to cancel the autodraft, wait 24 hours, then choose a new account to draw from, and turn back on autopay. Why do this when the payment account favorite is ALREADY set? 

My complaint : Putting aside the incompetency of the systems of Citizens, and clearly outsourcing the Mortgage loan servicing with separate systems and support staff, my main complaint is the lack of formal complaint handling procedure, and the negative affect on my credit score which was not my fault, and their slowness to act. The first agent told me they did not have a complaint procedure. The agent that did take my details said they would treat it as a priority case to be discussed, but I never received any correspondence except a letter that my bi-weekly was not setup. 

Lastly : This account was sold by XXXX to Citizens. When I asked, how do I close this account, or setup my first wire to pay my taxes, I was told I needed to physically visit a branch. There are NONE in Georgia!
Product: Credit reporting or other personal consumer reports

I am having difficulty accessing my credit report from experian as the file size has grown too large due to the number of soft inquiries. I subscribe to Experian 's credit monitoring service and when I try to use the print report option or access my report online, i am unable to. This has happened before and Experian removed the soft inquiries to reduce the size of the file.