23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LENDMARK financial took my husband and I to court in XXXX for a XXXX loan that was a late paid {$5000.00} loan. We went to XXXX XXXX. XXXX XXXX and met with LENDMARKs lawyer. We made a payment arrangement and paid off the loan in XXXX. However almost immediately there after with no notice of filing intent, or notice of new court date LENDMARK filed a lien against our house that we never knew about. I even spoke with the LENDMARK lawyer XXXX XXXX when we made the last payment in XX/XX/XXXX and he told me we were good. My husband died suddenly in XXXX I had to sell my house in XXXX the closing is XX/XX/XXXX and Monday XX/XX/XXXX the title company called to tell me that LENDMARK has 2 liens against my house for over {$7000.00}. I called LENDMARK to get an explanation and after being shuffled through 3 differant offices I called head office at XXXX I tried to get an explanation of the liens for a paid off debt but the woman ( who refused to give her name ) had no interest in helping me telling me " I don't have time to discuss your payments you have an outstanding balance if {$3800.00}. '' Clearly a completely different figure than the secret lien amount. I asked to speak to Mr XXXX XXXX but he was " not available ''. I asked for a LENDMARK attorney to call me back. That was Tuesday XXXX XXXX at XXXX Wednesday still mo call. My closing on the house is XX/XX/XXXX between XXXX and Covid 19 It could take me weeks to get copies 7 year old checks from my bank. LENDMARK is trying to rob me by using secrecy and time constraints to box me into paying them over {$7000.00} I do not owe or losing the buyer of my house. Life as a recent widow is hard enough without criminal lawyers coming after your life savings.
Product: Vehicle loan or lease

I bought a used car XXXX XXXXXXXX XXXX XXXX XXXX  a little less than a month ago at the dealership I was quoted XXXX interest rate and without my knowledge the Ally financial company sent me a notice in the snail mail that the interest-rate was missed quoted at the beginning of this Loan .... 

I have an account on their website and have made my first payment to them and this information was not on my account or on the website at all and I only happen to open the Mail message a day before they're made up deadline to find out they want to change the interest rate on me?!!?? 

how is this legal?? 

As I'm in the process of providing this information I've been talking to some representative from Ally themselves they don't even have record of the documents they sent me they were saying they wanted to charge me an extra {$12000.00} on top of the loan that I have with them which is listed at XXXX this document I have in my hand was saying they wanted to raise it to XXXX at least and they're not letting me cancel my XXXX  they don't have the records of It... 

I'm finally being passed up to a manager but they're basically being incredibly and I'm probably gon na have to cancel this loan. 

They have continually stated that they have nothing to do with this that have to do with my dealership which is complete XXXX the documents I have so they are trying to change my interest rate without and we're going to approve it without my direct signature unless I call them and I'm calling them and they say they have nothing to do with it they don't even have a record of this message being sent to me via my mailing address so this is really really really crooked. 

I have additional documentation regarding the initial loan information from the dealership directly but because your website constantly tries to end the session I did not have the chance to upload it please reach out and contact me and I can upload more information and more documents to prove what's going on
Product: Debt collection

Checking my credit score and noticed it had gone down. I found that the collection company Zion Debt Holding, LLC, XXXX XXXX UT, XXXX had purchased the said debt from XXXX XXXX XXXX amount of {$660.00}. 

I emailed XXXX and received a response from representative XXXX XXXX. I informed her that the debt was not my responsibility and explained the invoice was for XXXX XXXX, a Thai restaurant in XXXX  DC. I worked there about 6 years ago and that restaurant closed about two years ago. I was a contact person on the account, not responsible for billing accounts. I gave them the name of the restaurant owner and his address in XXXX. Zion refused to remove the debt which directly lowers my credit score. 

This information took place place the last week of XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

RE : Adverse Action I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied on XX/XX/2023 for an OPEN-ENDED GOLD AMERICAN EXPRESS CARD . 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691 ( c ) ( referenced below ) and is pursuant to civil liability under 15 U.S.C 1692k ( referenced below ).

You are subject to criminal liability for violating 15 U.S.C. 1691 ( referenced below ) as I have proof that I was discriminated against by AMERICAN EXPRESS due to response I received.

AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. 

Regardless of the reason for being denied, I have the RIGHT TO CREDIT. Withholding my access to my securities is securities fraud. You are in turn violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me my credit and access to my securities please retract my original application and return it to me. 

If not then please move forward and send me the applied for card or if you require further evidence as to my claim then I am more than willing to send you a copy of your Trust Indentured Agreement with The XXXX XXXX XXXX XXXX XXXXXXXX with highlighted sections pertaining to the application ( security ) that I initially filled out. I am aware that in lieu of my denial you will securitize that application ( security ) and monetize it for your own benefit. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.
Product: Credit reporting

On the date of XX/XX/XXXX, I made a phone conference to customer service of Equifax and they told me that I did not have any record of me because all of my credit report mixed up with my sister and my sister has same First name and Last name, but different Middle name, different social security number and different date of birth. Therefore, they asked me to fax the copy of my ID and SSN. On the next day, I faxed all of my documents to them. However, I checked with them after three weeks later ( XX/XX/XXXX ) and they told me that they did n't receive it so they asked me to fax it again and check back after 48 hours. On XXXX, I checked back with them again, they said they still did n't get it and asked me to fax again with another fax numbers. Then they asked me to check back after 48 hours again. On XX/XX/XXXX, I called them again and then they told me that they did n't receive it and ask me to fax it again. On the same day, I mailed my document with express mail. On XX/XX/XXXX, I checked back with them, they said they did n't get my fax and they also told me that they need 7-10 business days to find my mail. Equifax is the only one Credit Union that did n't have my credit report. XXXX and XXXX both had my credit report and did not mix up my report with my sister. I really wonder how Equifax solve the problem of customers because they prefer customer to fax the document to them, but they never get the information from the fax.
Product: Credit card or prepaid card

XX/XX/2023 I contacted Chase regarding my Freedom card. I informed them of list of job and requested assistance in late payment removals to assist with paying card down as I started receiving checks. A previous email and account notification STATED I had to make a payment before XX/XX/2023 to AVOID account closure. I made a payment of {$260.00} which was the PAST DUE amount on the card. Today as I logged in I see that my account has been closed! Chase falsely closed my account after stating that I had until XX/XX/2023 to AVOID account closure. EVEN after stating I lost my job as the reason in being behind and was willing to pay to avoid account closure as I just got my check!
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations reported : FCRA 15 usc 1681i ( a ) FCRA 15 usc 1681e ( b ) FCRA 15 usc 1681 ( b ) ( 2 ) Experian has reported that XXXX XXXX XXXX XXXX XXXX is the original creditor which is not true XXXX XXXX XXXX is the Original creditor. Experian failed to sufficiently investigate and confirm how the items reported were deemed accurate. This account does not match my personal information, this account is reporting as a collection account with a ongoing balance that is increasing. This is a FCRA and FPDA violation. Verify by speaking directly to the original Creditor ( XXXX XXXXXXXX XXXX  ) not XXXX XXXX XXXX ( third party ). This account has also been reset to XXXX, this is a violation has this account was not opened in XXXX. Have XXXX XXXXXXXX XXXX verify or delete this account. This item is being reported beyond statue of limitations according to the state of texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have asked XXXX Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. 

My claims or disputes to XXXX credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXX XXXX XXXX XXXXXXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. 

Company responded Status The company responded on XX/XX/XXXX Response Type Closed with non-monetary relief The actions of XXXX XXXX reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. 
DESCRIPTION OF NON-MONETARY RELIEF The actions of XXXX credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXXVERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.
Product: Credit reporting or other personal consumer reports

I used to have American express XXXX  and making payments on time with third party on payment plan. I start notice experian put late payments on my credit which I tried to dispute 3 time. But thet didn't investigate properly. Then I called anex and third-party to see if they report anything everytime amex and other party said they didn't report anything. But XXXX just keep posting on my account. 
Aa well my net credit loan i am on all payments never late same file dispute but experian still didn't work on it.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX date last active not reporting correctly shows date of XX/XX/XXXX With XXXX Experian shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX last date of payment is incorrect as well XXXX XX/XX/XXXX Experian shows date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX date opened is incorrect as well XXXX shows a date of XXXX Experian shows XX/XX/XXXX high credit usage is incorrect as well XXXX XXXX XXXX and XXXX XXXX XXXX last reporting date for XXXX XXXX XX/XX/XXXX Experian shows XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 1681I ( 5 ) Can you please look into this matter.
Product: Debt collection

This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax that XXXX ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per XXXX 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, XXXX, reports they show XXXX late entries and have no idea why Equifax report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.
Product: Credit reporting or other personal consumer reports

I have been calling Experian to provide a link to update information on my credit report. It doesn't allow me to speak with a representative and the option to choose from is limited and what I need is not one of the options. 

I need Experian to update my information that is shown on my other credit reports to increase my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my Experian and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from XXXX XXXX.
Product: Mortgage

buyer of our house had his loan not approved but we were not told about it until one week before settlement.Ourt contract was ratified on XX/XX/XXXX and Suntrust sent a pre-qualification letter for the buyer.Within 37 days after ratification, we were supposed to receive another written notification that the loan was going forward.We never received it but the loan officer told the realtors that all was fine and moving forward.We, in good faith, moved out, bought a new place in anticipation of the XX/XX/XXXX settlement date.One week before settlement we were contacted that there would be no settlement and the buyers loan had failed.We feel that there was a misconnect and transparentcy was missing in this transaction and loan process from Suntrust.The buyer received his deposit back because his loan failed.We are left with two houses, total upheaval of our lives and a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX  XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.