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

Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up.

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at 18-20 % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the sleazy account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off XXXX  loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, Transunion and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX  15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am receiving up to 10 calls a day, during all times of the day, from Focus Receivables Management. They do not identify me by name, nor do they name the debt I " owe ''. We recently declared Chapter XXXX bankruptcy, and 100 % of our debts were discharged. We still have a mortgage, but no other debt. We are current with our mortgage and have never made a late payment. Focus Receivables Management calls and claims I have this debt, when I have a copy of my husband 's and my credit report in front of me, showing all debts discharged. 

I do not want them calling me any more. I find the calls XXXX.
Product: Credit reporting or other personal consumer reports

Requested that unauthorized inquiries be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX************** Balance Owed : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/year> Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and found One Main had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan in XXXX. I was given the loan and I was told that in order to get the money I had to get the insurances on the loan. Nobody ever explained that they were optional and I ended up finding out recently. I called them and asked for a refund because I only got it based off being told I had to. They said theyd investigate and get back to me in a few days. After a week and several unsuccessful calls to them I finally got a answer. I was told that my call was not recorded and that they couldnt give me the refund. I told them that every time Ive ever called Ive been told it was recorded. She said she did not find one and that it would be up to the legal team as to if I could listen to it if one was ever found. She said she would continue to look and let me know on this upcoming Thursday but that if she didnt find anything they would not refund me anything. She said a team came through and looked through all the folders and told them who to payout. I asked her how that team would know if I was a victim of this without the call this all happened on. I have never stepped foot in a one main financial branch everything I was told was via that phone call, I signed my documents from my phone and do not recall them being explained thoroughly to me or being told there were ones that were not mandatory.
Product: Credit card or prepaid card

I had been a Citi Costco cardholder since XXXX with a {$6500.00} credit line and spotless payment history through XX/XX/XXXX when I lost the 2nd of 2 jobs and a combined income of {$150000.00}. Despite this, I continued to make payments on all debts including this credit card despite moving all my finances to another bank. Unfortunately, while looking for new employment and helping care for my mother and father in XXXX and XXXX, I got the payment account and deposit accounts for my unemployment mixed up and I bounced 2 payments for the credit card. Accordingly, Citi closed the account in XXXX ( by letter ) without any stated, implied or verbally communicated opportunity for explanation or mediation. Accordingly, I let the matter go given the priority of matters. 

Three plus months later, I called in to inquire about the status of my rewards certificate and the recording advised me that my reward was forfeited due to the closure of my account. No rhyme, reason or explanation, just a harmful and reckless theft of rewards that were based on valid purchases during the year. I called and spoke to a supervisor who advised that the 90 day window for review and possible reopening of my account expired in XXXX. 

So, I have no job, unemployment benefits have expired and the almost {$900.00} I was planning on has evaporated. It's yet another example of a financial company that coldly, unsympathetically and egregiously takes from those most vulnerable when they need financial assistance the most. 

I could really use your help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I've kept my credit frozen with Experian. 
On XX/XX/XXXX XXXX contact Experian to thaw my credit. I visited the Experian website and attempted to thaw my credit report using my personal identification number. Instead the website prompted me to create an account. Half way through the account creation process, the system timed out and said my identity could not be verified. I made repeated calls to customer service, but was unable to reach a person for assistance. At this point I'm unable to determine if my credit is frozen or thawed and I don't have access to my newly created Experian account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Checking or savings account

I leased an exotic car for the day and then was subsequently charged way more than I was told I was going to be charged in the end. Also I tried returning the car early due to an emergency and they wouldnt let me do so. They charged me about {$2000.00} total and BoA has yet to get me my money back. That whole place was a scam.
Product: Credit card or prepaid card

Hi, I have a chase sapphire visa credit card with There customer service number being XXXX i have Been a loyal customer for over 15 years alway sent them a check for payment on time with no issue. I sent them a check on XX/XX/21 for the full amount owed when the due date is XX/XX/21. Due to the postal office delays and covid 19 issue going on the posts office must not have received delivered the check on time.. The credit card company a few days later suspended my account with NO notification what so ever or making me aware during these times payment was not received or late, they just suspended my account. Two weeks later they sent an e-mail letting me know the issue. If not already this should be a violation of the card holders rights with suspended account with NO notification especially only a few days after due date, I would like my account made active again any fees waived and an apology for an unfair practice which harms there customers and there lack of consideration with no notification or outreach. They did not even give me any other options to work with them to correct under the state of post office delays and covid 19.. I would also like the federal regulators look at this credit card unfair consumer practice of suspending credit cards with no account holder notification Please advise Thanks
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago when I opened up my own XXXX account the letter of acceptance with XXXX after I already opened up my own account said I had XXXX but once I got XXXX and Experian on my XXXX account it transferred my XXXX to a full portfolio of XXXX scores around XXXX could you fix this please
Product: Vehicle loan or lease

I was Leasing a car from Fair Servicing , LLC company since XXXX, I notified Fair on XX/XX/XXXX that i want to end my lease with them and return the vehicle. I also, informed them via email and in the app. that i will be dropping off the car to the original dealership i got the car from originally ( XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX, NJ XXXX ). I was scheduled to travel during the dates they offered to pickup the car. Then By Email, i was told that Fair will be taking care of the pickup and adjust it to pickup the car from the dealership after i informed Fair by Email of the name of the person in the dealership who i handed the keys to ( XXXX ). Again i was told via email that the pickup will be taken care of by Fair Servicing LLC. I dropped Off the Car to the Dealership on the Same Day XX/XX/XXXX. I surrendered the car plates to the DMV on XX/XX/XXXX ( Receipt Enclosed ). Then i was informed by Email late in XXXX i believe that the lease was sold to CFAM Financial Solutions. After in XXXX, i received a call from CFAM asking me if i returned the car or not, i said yes and i informed them that i surrendered the license plates to the DMV and that the car is at the Dealership mentioned above in XXXX NJ. Ever since that Phone call, i kept receiving invoices from CFAM that i am missing my monthly lease payment. I responded to them via phone a few times and emailed to their customer service email, but was not successful to reach anyone. Finally i responded to one of their invoice emails explaining all that i have explained to Fair Servicing & wondering why Fair and CFAm didnt communicate Months ago all the details i explained regarding my car return. then CFAM responded and confirmed that they have located the car in the dealership and that they will pick it up, and i received a confirmation that the pickup has been scheduled. Today XX/XX/XXXX they sent me another invoice for monthly payments since XXXX XXXX i want them to stop harrasing me. 
CFAM Should have inquired about all info needed from FAIR when buying the account. Fair Should have finalized the pickup & lease end.

CFAM Must Close My account and inform me formally that my account is closed with them And that I DO NOT owe them any money, Since It was : -CFAM and FAIR issue of miscommunication - Fair Servicing Problem of not finalizing the lease and closing it, and picking up the car as they have stated in their Email to me ( email enclosed ) -I have provided several proof with several communications to CFAM that the car was not in my possession since XXXX, and it was Fair servicing and CFAM responsibility to Get the car picked up and lease account closed and finalized since end of XXXX like they have informed me. 
-CFAM Must Stop Harrasing me with these invoices trying to scam me, and scare me into paying them money that they are not entitled to based on all the evidence presented. 
Thank you XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 card

My chase saphire card has been compromised and there is delay in receiving the card when I inquired about them they put me through secuirty team after a wait of 60 mins and spoke to a security team manager named XXXX ''. I complained to him that his previous agent did n't handle the call well and I was wondering about the new card but he does n't seems to be caring about my complaint and did n't offer any good will gesture. My card arrived next day and I could n't activate the card when I called them again they put to the security team again after 30 mins wait time. Unfortunately I again need to speak with XXXX '' and said that my card got compromised again which is unbelievable. When I pressed for more answers I did n't get any convincing answers. Could somebody investigate why my account got compromised twice and second time I did n't even got my card. 

I almost wasted 3 to 4 hours on phone to deal with this issue. It should have just 5 to 10 mins I need some compensation for my time.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX "
Product: Credit reporting or other personal consumer reports

The dispute has been open for several months, and despite providing all necessary proof, including an identity theft report and, they still haven't removed the account. I am now requesting the full removal of this account from their system and all three of my credit bureaus. I had no other option but to submit a CFPB report
Product: Credit reporting or other personal consumer reports

Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.
Product: Mortgage

on XXXX/XXXX/XXXX I applied for a loan modification of my house with XXXX after 8 months of negotiation and when they have all documents to make a decision, XXXX on XXXX/XXXX/XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX I have submitted a complete loan modification package and keep constant communication on XXXX/XXXX/XXXX XXXX XXXX from Carrington Mortgage has requested recorded divorce decree and quitclaim deed.XX/XX/XXXX XXXX XXXX has requested aditional info. on XXXX/XXXX/XXXX XXXX XXXX told me that foreclosure is on hold while they review the loan modification package XXXX/XXXX/XXXX XXXX XXXX asked me to resubmit the complete package. on XXXX/XXXX/XXXX I calle dXXXX and he told me that on XXXX/XXXX/XXXX the foreclosure was executed because there was not enough time to work out the loan modification. This is an abuse, they lied to me now I 'm going to be homeless because XXXX and Carrington Mortgage Services LLC are so irresponsible. Thank you in advance for all the help that you can give me.