23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a collection account on my credit reports for Credence Resource Management with an original creditor of XXXX XXXX XXXX. This account was bought from XXXX XXXX which previously was on my credit reports but was deleted because they were unable to verify and validate this debt. This debt is not mine and doesn't belong to me and being that XXXX XXXX could not verify and validate this debt I am 100 % positive neither can Credence Resource Management. I was also never notified of this account being sold to Credence Resource Management which is illegal to not notify of someone of a debt before reporting to the consumer reporting agencies. This account should be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

XXXX XXXX was the lienholder. I had purchased a Gap policy when I purchased the car. XXXX refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX   Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to XXXX XXXX. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to XXXX is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on Equifax as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Debt collection

I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to XXXX and XXXX. I have advised XXXX and XXXX this is not my account or debt. The opening date that both XXXX and XXXX is reporting is XXXX. I was a monor at the time I was only XXXXXXXX XXXX  I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. TY
Product: Student loan

On XX/XX/XXXX I had two student loans disbursed totalling {$120000.00}. 
I had been paying $ XXXX every month until Covid forbearance in XXXX. 
My total payments over 20 years have been {$120000.00}. 
Navient claims that I have an unpaid principal balance of {$66000.00}. 
This is clearly an example of predatory lending.
Product: Credit card or prepaid card

Citicard offers a program called "  PRICE REWIND  ''. They advertise - you buy, we track, you save..   See their website :   XXXX   XXXX   XXXX   As it is mentioned they ( citicards ) tracks the prices, however, the majority of my purchase price adjustments are rejected under the heading.     " Proof of lower price found '' - so they track but I have to provide proof of lower prices of the items???     How come they advertise " we track '' and then reject my price rewind benefits where I have to proof the lower price advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and I noticed accounts that are outdated and inaccurate. I want this information removed because they can be considered as fraudulent and I have the right to Accurate Reporting.
Product: Debt collection

I have been receiving threatening phone calls regarding a loan for educational services through the " XXXX XXXX XXXX '' As you can see below the company has an outstanding injunction against it and should attempt any collection until it has been resolved. I spoke directly to " Universal Account Servicing '' @ XXXX and informed them of the injunction and told them I do not have any issue making payment on the condition the issue in the injunction has been resolved. SEE DETAILS BELOW. 

IN REGARDS TO - FTC Obtains Preliminary Injunction Against Investor Training Scheme XXXX XXXX XXXX XXXX is temporarily barred from imposing late fees or additional interest if consumers withhold payment on loans XXXX made to customers, prior to XX/XX/2020to finance purchases from the company. XXXX is also prohibited from using collections agencies to collect on the loans, and from selling the debt to others or reporting consumers to credit bureaus for non-payment of the loans. 

https : XXXX XXXX XXXX XXXX  PLEASE CONTACT " Universal Account Servicing '' @ XXXX inform them that they are prohibited to collect on loans per the injunction. 

thank you XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information illegally reported on my credit report. I am a victim of identity theft, and it is essential that this situation is rectified without delay. 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

I expect a prompt response and resolution within 30 days, as stipulated by the FCRA. Please contact me directly if you require any further information. 
The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

My home loan was sold to Mr. Cooper Mortgage company. I had no say in them taking over my home loan!!! I started a recast with them in XXXX. I sent an additional {$270000.00} in order to lower my monthly payment from {$2400.00} per month to {$600.00} per month. I filled out the necessary paperwork in XXXX and sent it overnight to their office in Texas. I called in XXXX to find out why the new monthly payment wasn't showing in my online portal... only to find out they didn't show they had those documents. I talked to XXXX XXXX on XX/XX/XXXXth, sent her the signed required docs, and she sent me an email acknowledging that she received them ... and there was nothing else needed. XX/XX/XXXX, I received another email letting me know they did not have the proper documents needed and we would have to start over again, for the 3rd time. In the interim, I am paying the {$2400.00} as apposed to {$600.00} which I was expecting. If you can help, you would be a miracle worker. XXXX Loan number.
Product: Mortgage

Called mortgage company for mortgage payoff. 
Sent payoff in and called customer service to notify me when received. Called everyday Called XX/XX/XXXX, they dont have check account is showing outstanding payment.Went to bank and check had cleared on XX/XX/XXXX. Called customer service put on hold, hung up on and dropped calls. Sent a copy of the cashed check and bank account was stamped on check. Resolution departments at mortgage company cant find check. Loss prevention at mortgage company cant find check. Started receiving letters from mortgage company stating that my account is outstanding! Sent everything to CEO showing they took funds two weeks ago. 

Two things I would do different one follow the check and verify everything. I did that called everyday found check. You still get the run around, notify the CEO as soon as you get no corporation. 
Pay the mortgage down to under {$100.00} dollars and then request a payoff. Very Important!
Product: Checking or savings account

I made a deposit of investment from medical group in California. Not even 24 hours from the deposit I get a notice of account closing and didnt receive my funding. Saying the account number was a fraud. When I called to get details of my account. They always say call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed My XXXX XXXX account after 20 years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX  card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. 3 months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " Second Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a lawyer to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a lawyer with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent information on my credit report. Almost my entire credit report is fraudulent. I am unaware of these accounts.
Product: Mortgage

I was looking to purchase my first home & Quicken loans/Rocket Mortgage said I could afford a loan through them. The home was found to be on 2 parcels well before we finalized the mortgage & Rocket Mortgage ordered an appraisal to include the second parcel. I was assured throughout the process that the numbers presented to me, which were the max I can afford, included taxes on the 2 parcels. The finalized payment was $ XXXX/mo in total which is at the maximum of the debt/income ratio lenders need to qualify for loans as I make only $ XXXX through XXXX. Three months after moving & the city sent out the tax bills I received a notice from Rocket Mortgage saying that my mortgage was sold to another company. Later upon checking my payment for XX/XX/2020, I noticed the payment had ballooned to {$1000.00}. 

I called Rocket Mortgage & they told me they didn't know there was a second parcel. They said that once they added the second parcel it ballooned my payment & that I have to pay it. I only make $ XXXX/mo. I can't afford this loan & I can't sell me home for at least a year because of the mortgage contract stating I was buying the home to live in, not for profit. This is either a case of predatory lending or gross negligence, but either way Rocket Mortgage violated federal law when they issued this loan to me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My Auto loan is due on the XX/XX/XXXX of each month. On XX/XX/2019 I decided to refinance my auto loan. I reach out to my auto lender on XX/XX/2019 to informed them to expected a certified check by USPS. I gave Ally the certified mail receipt tracking number. Ally received the certified check on XX/XX/2019. on XX/XX/2019 I received an alert on my credit file that my auto loan payment was 30 days late. Ally reported this information to the credit bureau agencies on XX/XX/2019. I been in contact with Ally they keep telling me that they will investigate the issue, but there has been no resolution. Make matter worse I just received another alert on my credit file from the credit bureau agencies say my auto loan with Ally is 30 days late.
Product: Credit reporting or other personal consumer reports

Subject : Repeated Reinsertion and Failure to Investigate Unauthorized Account on Credit Report To Whom It May Concern : I am submitting this letter to formally request assistance with an ongoing issue regarding an unauthorized XXXX XXXX account ( account number XXXX ) that repeatedly appears on my Equifax credit report. I have disputed this account on three separate occasions, and each time Equifax initially removed it from my report. However, XXXX XXXX continually reinserts the account without providing me with a required reinsertion notice, and Equifax has not conducted an investigation, as mandated by law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me within five business days of reinserting any disputed account. Equifax has not provided such notification, leaving me unaware of the repeated reinsertions until I review my credit report independently. This lack of notice is a direct violation of my rights under the FCRA.

Furthermore, Equifax has not conducted any investigation of the reinsertion as required by 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation when a consumer disputes an account. Equifax 's failure to perform this basic duty has deprived me of the opportunity to verify the legitimacy of this disputed account, which I maintain is fraudulent.

Additionally, as this Goldman Sachs account is the result of identity theft, Equifax is obligated to block this account from appearing on my credit report once I have provided sufficient documentation. According to 15 U.S.C. 1681c-2, a consumer reporting agency must permanently block information stemming from identity theft upon receiving a police report or affidavit. I have submitted this required documentation, yet Equifax continues to allow the account to reappear.

Given these serious violations of the Fair Credit Reporting Act, I am requesting that the CFPB enforce Equifax 's compliance with the following : Proper notification of reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A thorough investigation of the disputed account in accordance with 15 U.S.C. 1681i ( a ).

Immediate and permanent blocking of the account per 15 U.S.C. 1681c-2 due to identity theft.

Thank you for your attention to this matter. I appreciate your assistance in holding Equifax accountable to protect my credit and prevent further harm from this identity theft..
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX stating that I have new hard inquires on my credit reports that I did not authorize. I have not applied for new loans or credit cards in almost two years now and did not authorize any of these credit reporting services to run my credit. The following are the companies that it says ran my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought a REO property through an XXXX auction. The bank selling the property gave me a XXXX page contract stating what they would and would not pay for in the transaction. I consulted my lawyer and had a good understanding of the contract. The bank 's lawyer then told me and my Lawyer " do n't care what the contract says, our client is not paying any of these expenses. " I argued with the bank and they agree their lawyer was wrong about some items and offered to pay a fraction of the charges. I have not heard from them since.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history 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 to be 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XXXX, I received a Credit Karma alert indicating a new Hard Inquiry to my credit profile. I immediately logged into Credit Karma and saw a hard inquiry from XXXX XXXX XXXX of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to XXXX XXXX in attempts to open credit and XXXX XXXX pulling my credit report. If a consumer calls once reporting fraud, why would XXXX XXXX allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers. 

Please help me as now XXXX Credit Applications are submitted and XXXX XXXX is not doing anything to prevent this from continuing. I already reached out to TransUnion who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!
Product: Credit card or prepaid card

I am a customer of  XXXX   XXXX  and have a brokerage account with them. In  XXXX  they sent out an offer for their  XXXX   XXXX  Client Rewards Card. I applied, they did a hard pull on my credit report from  XXXX , and sent me a letter advising that they had denied me credit because " Unable to validate information provided on your application. '' I obtained a copy of my   XXXX   report and verified that all the information was correct, wrote to  XXXX   XXXX  to advise them, and received ANOTHER letter with the same message. This time I called them and was told that it is  XXXX   XXXX  's policy that they wo n't process an application for anyone who does not have an SSN. Given that they have pulled my credit and seen my  XXXX  score of  XXXX , and that I have a $  XXXX  account with their brokerage arm, and that I have a perfect payment record on my other credit card, clearly  XXXX   XXXX  has denied me credit because I am a non-citizen. Please make them stop.
Product: Debt collection

I keep getting repeated calls for someone I do n't know. I 'm receiving at least two calls a day or more. I 've informed them that it 's the wrong number but they still keep calling. This has been going on for about 40 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.
Product: Credit card or prepaid card

I applied American Express Platinum credit card on XX/XX/2018. 
They advertised that you will get XXXX Membership Rewards bonus after spend XXXX USD in the first 3 month. 
I met the requirement for the welcome bonus but I haven't got the bonus. 
I talked with American Express agents for several times and they response that I applied through a third party link which was not qualified for the bonus. I searched multiple times on the internet trying to find a third party link that is not qualified for the bonus but I just can't find one. I asked the agents to show me an example of such link and they said they are not allowed to do so. I asked for some XXXX search hints or directions for finding such a third party link and they refused to provide any information about such third party link. 
I have the screenshot I took when I applied the card. The screenshot has information about what American Express advertised about the card I applied. 
I have the previous correspondence with Amex agents.