23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will : -tinate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Number XXXXXXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXXXXXX XXXX XXXX
Product: Student loan

I want to get my status to open and start making affordable payment I cant keep having the irs take my income tax which is completely for my kids college fund I really need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of Covid19, my tenant was late paying her rent payment. Which in turn made me late paying my mortgage on my primary residence. I alternate which I pay first. I contacted Ma & T bank, they advised they were not going to remove the late payment because it was one month prior to the Government relief protection. I have not ever been late in my 5 years of home ownership. I asked for a courtesy, the supervisor told me no directly. Please assist, as my score decreased over 75 points as a result.
Product: Vehicle loan or lease

On XX/XX/year>, I made a {$450.00} payment on my vehicle loan per the terms of contract between the loan company ( Bridgecrest ) and myself. I made the payment via my online bill payment function through XXXX XXXX. Bridgecrest accepted the payment on XX/XX/year>. However, Bridgecrest is attempting to repossess my vehicle notwithstanding an on time payment per the terms of our agreement.
Product: Mortgage

I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and I noticed a late payment reporting on my XXXX XXXX  account ( account number XXXX ). I was actually not late on this account. According to 15 US Code 1681e, credit reporting agencies have a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a copy of my report to this complaint on XX/XX/24. I am now requesting that you investigate and provide verifiable proof with records showing that I had these late payments. If this information can not be verified, please update these payments to paid on time immediately. Please see screenshots attached. Thank you for your prompt attention to this matter
Product: Credit card

Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.
Product: Credit reporting or other personal consumer reports

XXXX acct XXXX. I turned in daughters lease in Mississippi In XXXX. Probably over a year later my daughter gets random phone call from XXXX saying we owe over {$2000.00} on that car. No correspondence, no breakdown. I reached out to XXXX asking for this information. I called several times to arrange for payment plan but each time I called it was like the first time calling. Very frustrating. Mind you I was never late on lease payment and I have excellent credit. At some later point I receive a letter stating a negotiated price of payoff of XXXX. But of course that amount was due in 2 weeks or so which I didnt have. I did send them the XXXX amount but probably 2 months later. I figured it was paid off. Then my credit score takes a hit of over XXXX point down because I now have a delinquent charge. I reached out asking for it to be removed but they refuse Its so unfair and such poor business
Product: Debt collection

This debt is reporting as not being paid each month. They literally told me on the phone they would not report negative to my credit report and the payments have come out as automatic withdrawals. The payments have never been late. I have the charges on my account. Theyre inconsistent at best but the derogatory marks need to be fixed late payments need to be fixed and they need to not report if thats what they claim is that they never report under any circumstances!, but to be on automatic withdrawals and and have plenty of money in the bank then report missed payments is obsurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I called Citi and XXXX on XX/XX/year> and advised my payment status had not been updated for XXXX with XXXX or XXXX. They advised there is no action to take and that I must wait an unknown length of time to see if it updates. They advised they do not have control over how, when or what things are reported. 

My account is currently up to date, but it inaccurately shows Im 60-89 days late.
Product: Debt collection

Portfolio illegally obtained my information from XXXX  XXXX without my written consent or permission. this is a violation of 15 USC 1681n. Please remove this account asap.
Product: Debt collection

Paramount Recovery Systems has added {$150.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until it was added to my credit report. XXXX  will not help in removing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 2 consecutive months, or, since XX/XX/XXXX, I, XXXX XXXX have telephoned Experian and XXXX   Credit Reporting Agencies regarding a Charged-Off Account from XXXX XXXX XXXX ( Credit Information Furnisher ) that contained inaccurate information, or two different amounts owed on this alleged debt. I also contacted XXXX XXXX XXXX   regarding this matter. The multiple Disputes have gone unaddressed in terms of Deleting this Negative and Inaccurate Information from my credit reports. Both credit reporting agencies have allowed XXXX XXXX XXXX  to report or to up-date negative and inaccurate information about this account when in fact XXXX XXXX XXXX claims to have Sold the Account and transferred all Documentation regarding this Account to XXXX XXXX/COLLECTIONS AGENCY AS OF XX/XX/XXXX.

Note : Please see the attached letters for more explanatory details regarding this gross Credit Reporting problem as the Negative reporting of inaccurate information is very hurtful and harmful to my Credit Score!
Product: Checking or savings account

I called sofi bank severally and I did every necessary steps they asked to verify my account and identity and my account and funds has been frozen for months with no specific time to expect a response from them!! Please I need help getting my funds!
Product: Debt collection

I opened a card with Verve in XXXX, around XX/XX/XXXX I converted to XXXX XXXX and all debt that occurred before XX/XX/XXXX was declared by the United States Bankruptcy court to have no recoverable XXXX, and therefor was awarded a discharge of all debts that we incurred prior to the conversion to XXXX XXXX XXXX 

Case Number : XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt was purchased by a debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who should not have purchased this debt and is reporting false information on my credit report and trying to collect.
Product: Debt collection

A man named XXXX XXXX from a collection agency called XXXX XXXX XXXX in Illinois made a harassing phone call to our business today. He claimed that we owed a company called XXXX XXXX for a surety bond related to a shipment that was delivered to our building ( XXXX XXXX XXXX XXXX, XXXX PA XXXX ) in XX/XX/XXXX. 
We have never done business with XXXX XXXX. We have never requested a surety bond from any shipping company. We did not even own the building in XX/XX/XXXX. We bought the building in XX/XX/XXXX. 
XXXX XXXX claimed that we had received multiple notices from XXXX, which we had not.
Product: Credit card or prepaid card

Chase Freedom card allowed charges in excess of the credit limit for a billing cycle. I feel the charges should have been declined. Credit limits are there for a reason, there was no emergency. They could have simply called. I think it is bad business practice and that consumers can be hurt by credit card companies allowing these charges in excess of the limit. Some consumers may not be able to pay these amounts and be in real debt. I am disappointed by them allowing the charges and further how they handled it when I spoke with them. I have been a Chase customer for a long time, usually they are good at monitoring and stopping charges, but they failed this time and didn't seem to care. They are not willing to do anything. 
I have bank accounts and credit cards with Chase that I may decide to close in light of how this situation has been handled.
Product: Mortgage

I made a Principle payment of XXXX XXXX dollars and Mr Cooper reversed it added to a mortgage payment that had already been made and by doing so I was charged interest. The customer service worker said her screen is showing her activity payments credits that are not on my statement
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a vehicle. Due to my credit score and the need for a car I was only given the option to purchase the vehicle with XXXX down at a monthly payment of XXXX at XXXX percent interest. 2 Years into the loan it became apparent that majority of the money paid went into interest. for 6 months payments went to only interest and no principle. I researched a company called, " Credit Acceptance '' and found that they were penalized for predatory lending. It became obvious that I have been subjected to predatory lending with this company now called, " American Credit Acceptance ''. By the time my car is paid off I will have paid between XXXX for a car worth XXXX.
Product: Credit card or prepaid card

Hi, My children child support card was used to make several payment for rent to states I've never been too, also XXXX XXXX and etc ... totally almost {$4000.00} dollars. My claim was denied and found to be correct ... Bank of America then told me i have to make a police report. But warns me it might not resolve anything. This is my children money please help!
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. I did not authorize these inquiries please remove this from my credit report XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this XXXX  stating it is not me. I am a natural person and a consumer.
Product: Debt collection

On XX/XX/XXXX, Professional Credit Service / aka XXXX XXXX XXXX.and/or attorney XXXX XXXX garnished 100 % of available funds ( {$2200.00} ) from my personal checking account for collection on a judgement issued in XX/XX/XXXX for medical debt. I was in transition from one job to another, the funds in the account are all directly traceable to EXEMPT income per ORS 16.618. First in line for garnishment is the DOJ, who administers spousal/child support payments through employment garnishment. Because of the job change, only one employer took a portion of that support payment, meaning I was responsible for the balance, in order to remain current on this obligation. PCS took 100 % of available funds from a personal checking account, when a higher level garnishment order is in place. PCS failed to validate the source of the income taken. PCS did not use the legal State calculator to determine amounts available ( percentage of disposable income ) to secure this garnishment. PCS took my saved Child Support and is now directly responsible for my arrears with the DOJ ( and my children ). This is unconscionable, and illegal per several Oregon regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unbelievable how BAD Experian is. I complained, # XXXX, wanting the permissible permission used to access my credit report on XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX XXXX Experian replied back that I was complaining about an inquiry. Perhaps Experian is guilty of child labor violation. Perhaps Experian conveniently doesn't know how nor want to read. I did not complain about an inquiry but I complained Experian and XXXX XXXX XXXX XXXX didn't have permissible permission to access my credit report on XX/XX/2017. I requested a copy of the permissible permission. Normally over 5 years Experian tells me how much they appreciate me and the passes the buck to XXXX XXXX XXXX XXXX who then calls all my complaints as duplicate while never furnishing the permissible permission. Experian must be owned by XXXX or a XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report via Equifax. I have requested several times that my credit report to be unlocked however it still shows to other consumer companies that they can not access my credit report and that it is frozen. I have sent the ID documents requested by Equifax to verify my identity and update my information, however it is still not been resolved. I have contacted Equifax via mail as well a phone contact. I have paid {$4.00} for a monitoring program and was over charged 3 additional times for the service and still no resolution.
Product: Credit reporting or other personal consumer reports

I disputed XXXX accounts on my credit report and requested verification from XXXXXXXX XXXX and XXXX XXXXXXXX. I asked for the binding contract signed between myself and the creditor, showing that it was my account, and the transactions made on behalf of the account. Additionally, I requested any documents that XXXXXXXX XXXX sent to XXXX regarding the account. I also asked for information about the department and the representative at XXXXXXXX XXXX who communicated with XXXX regarding this dispute. Furthermore, I requested documents and an explanation of their policy and procedure for disputes and investigations within a timely manner and if they could not provide this information to remove it off of my credit report. 

After 30 days, I received an email stating that the dispute was investigated and found to be correct. They didn't send none of the information i requested but stated if I didn't agree I could dispute it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF XXXX - XXXX, XXXX AND EXPERIAN DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.
Product: Credit card

I am writing to formally dispute and contest the unfair and deceptive practices related to my credit card account. The actions taken by your company have resulted in financial harm and violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. Unjustified Interest Rate Increases : My interest rate was increased arbitrarily and without clear, refusal to lower interest rate, transparent justification, making it nearly impossible to pay off my debt in a reasonable manner. This is a predatory practice aimed at capitalizing on consumers. Your company increased my credit limit and later significantly reduced it without notice or justification, causing a severe impact on my credit utilization ratio. This action negatively affected my credit score, which constitutes an unfair and deceptive practice under the Fair Credit Reporting Act. Requested Resolution A full refund of any unjustified fees or interest rate increases applied to my account. An immediate reinstatement of my prior credit limit to rectify the adverse effects on my credit score. A written explanation and correction of any misleading contractual terms. A formal investigation into these predatory practices, with corrective actions taken to ensure compliance with federal laws. Legal violations 15 U.S.C. 1681n, 15 U.S.C. 1681o, 15 U.S.C. 1637, 15 U.S.C. 1666, 15 U.S.C. 1637.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. 
Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. 

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I emphasize the urgency of this matter and the significant impact it has on my financial well-being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

I asked for a payday loan of XXXX, payments of XXXX on my payday ( never happened, they have been charging the opposite weeks ), these payments will continue until 2018, which means I will be paying over XXXX for this XXXX loan.I have paid XXXX, and am willing to pay XXXX by money order to complete this transaction.I was not aware of this payment length until after I signed.The charging of the payment on opposite weeks also caused my account to be overdrafted.
Product: Credit reporting or other personal consumer reports

I received the attached from Equifax. I have no idea why they sent this to me. I never reported any issues with ID theft. This is part of so many errors this company repeatedly keeps making on my credit report. I want this ID theft notice squashed as I never ever sent them anything via phone, or mail that my identity has been compromised. I chalk this up to their continued practice of screwing up consumers reports with no accountability from any law enforcement agency.