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

The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and Equifax. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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: Consumer Loan

I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.
Product: Debt collection

Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

These 2 account are on my Experian credit report. I have disputed these accounts as not being mine, I have no referance to what they are for. As can be seen above the reinvestigation info is sparse. I have been successful in removing these 2 accounts from XXXX  and XXXX XXXX. I don't understand why Experian  won't remove these 2 accounts as XXXX  and XXXX XXXX have done. I am trying to improve my financial situation and with most lenders using Experian the most, I would be grateful to the CFPB if they could help in my improving of my financial situation.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still accounts on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information to the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$31000.00}
Product: Mortgage

To whom it may concern, I 'm writing to you with the hopes that you will be able to assist me and my family with an undocumented and improper sale of my home. I have worked tirelessly for the last two years, submitting documentation, fulfilling every request on behalf of Carrington and those requests have gone unanswered. <P/>I have been misdirected, misinformed and flat-out lied to. I 'm well aware of the fact that Carrington has a very dubious and nefarious reputation with homeowners and I have been subjected to this same. <P/>Below, is a timeline of all of my efforts to resolve the Foreclosure matter amicably, with Carrington. At this moment I am post-sale - the sale occurred on XX/XX/XXXX, but I 'm hoping that you will be able to convince them to vacate the sale and come back to the table and negotiate with us. <P/>I 'm in a financial position now where we can meet our obligations with them. My contact information is included in this complaint, but my cell phone number is - XXXX. <P/><P/>Thank you! in advance for your assistance with this XX/XX/XXXX- Starting having marriage problems XX/XX/XXXX - Became unemployed XX/XX/XXXX - RMA package sent XX/XX/XXXX - Letter received from Carrington requesting benefit award letter, lease agreement, RMA form, and expences. Proof of occupancy and food stamp/welfare award letter. I spoke with them on the phone and they said all forms were good because of no leasee or receiving food stamps XX/XX/XXXX - sent revised RMA package XX/XX/XXXX - Carrington canceled the RMA via phone XX/XX/XXXX - became employed still kept phone contact with Carrington XX/XX/XXXX - Paid 3 months of mortgage payments XX/XX/XXXX - laid off from job because of slow work XX/XX/XXXX - RMA started, again XX/XX/XXXX - received letter from Carrington needing most recent bank statements, rma handsigned and dated form, and P & L statement for 3 months XX/XX/XXXX - Sent P & L,XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX bank statement, and handsigned form XX/XX/XXXX - letter from Carrington needing VA benefits and P & L ( letter of explantion ) XX/XX/XXXX - sent payroll from XX/XX/XXXX-XX/XX/XXXX, VA award letter, letter of explation, XXXX tax form XX/XX/XXXX - letter from Carrington. Notification that they did not receive all documents needed to complete review/ cancelled modification request. However, they did get all documents requested. They also canceled. the RMA without my knowledge saying my VA award letter was outdated XX/XX/XXXX - received debt collection letter from Carrington XX/XX/XXXX - recieved fair debt collection letter from XXXX and XXXX XX/XX/XXXX - certified Letter in mailbox dated XX/XX/XXXX from XXXX and XXXX stating the property is scheduled for sale on XX/XX/XXXX at XXXX XXXX XX/XX/XXXX - letter from XXXX XXXX XXXX XXXX - Notice of demand for possession
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing because I been having the same problem with these 3 collection companies and I been telling Equifax and XXXX  that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first name listed, ( XXXX XXXX ) is not me, or never has been me at any point in time. The only name I have ever had is XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. If you need to contact me you can please reach me at ( XXXX ) XXXX or at XXXX Thank you very much.
Product: Checking or savings account

This is a follow up to my original complaint submitted on XX/XX/19. Since then, BOA has had one of their reps reach out to me, XXXX, from the 'Regulatory Complaints Department ', and unfortunately, I have been caught up in a game of phone tag with XXXX. According to XXXX, she needs to speak with me directly before she can investigate my claim. Given that I have already verified my identity with the BOA reps that I initially spoke with, I'm not sure why there is need to speak with me directly to conduct an investigation. Anyhow, in my original complaint I didn't submit my supporting docs because the upload portal wasn't working. Thus, I have attached the bonus reward offer that Bank of America claims does/did not exist. Maybe this can help them expedite their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing this hard inquiries since XXXX of this year through EXPERIAN. They have failed to provide any conection with this connection. I haven't sign any documentations with this alleged companies. On the other hand this inquiries have a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : XXXX
Product: Vehicle loan or lease

It all started at the beginning of XXXX when I received a bill showing I owe a property tax bill in the amount of {$1600.00} I have never had to pay a property tax bill on a lease vehicle. I called and spoke will XXXX in customer service department and questioned the bill and they stated that our vehicle was a commercial vehicle in which I corrected them and signed a lease that the vehicle was for personal use. XXXX had stated that i fill out a form XXXX and email XXXX in which i did i also spoke with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and stated that if i get information regarding the vehicle information in which the company didn't do, they kept giving wrong information after emails and calls after 4 months XXXX  said they took care of XXXX but now they need XXXX form XXXX in which i stated to XXXX  why didn't you tell me at the beginning so i had to start all over again. i tried to call XXXX  again but XXXX started not to return my calls just to let you know i have to repeat myself every time i call and wait XXXX to XXXX minutes to get someone on the phone. so after so many calls they stated i need to speak with the asist que department in which i spoke with XXXX on XX/XX/XXXX they don't have a direct number so i have to repeat myself to get XXXX so XXXX can call me back XXXX said that they will escalate it and it up to the tax department in their company and that it will be fixed i ask XXXX if they had a number to that department and XXXX stated no they don't i find weird i called so many times and XXXX started not to return my calls to get this fixed so then i got XXXX XXXX XXXX in XXXX and to call her back on XX/XX/XXXX and XXXX stated that it will escalate it and promised to take care of this problem but nothing i have gave everything that they requested and tryed to call XXXX back but no response no call backs nothing i spoke with costomer service it felt like it fell on deaf ears and my lease is up the end of XX/XX/XXXX and they keep sending the bill
Product: Mortgage

Mr. Cooper prevoiusly known as Nationstar has erroneously sent forclosure documentation to my property during the modication process of my loan in which payment can not be made. I was accepted to do a forbearance for one year after my active duty orders were cancelled due to covid. I still paid as much of the mortgage per month. I then submitted for a modification to put the owed balance into new monthly payments. This process began in XX/XX/XXXX. During the modification process, I have uploaded more than 50 documents per their request including bank statements, LES, GI XX/XX/XXXX, renters payments, lease agreements. I have been through underwriting six times but fail to complete due to expired documents. They fail to review the documents in time so they expire in which I reupload. They then asked for the last 30 days pay stubs which an LES is ONLY RELEASED ONE TIME A MONTH if you are in the XXXX XXXX as a XXXX. I have uploaded each pay stub and bank account statement since XXXX of XXXX. They then state they need the most recent which does not post in the time they review the documents which then expires by the time they review the document. I have received two erroneously attempted forclosure notices during the modication process. I have spoken to 15 representatives, including a senior manager who had worked on this for six months with no resolution. I have never defaulted in providing any documentation or written notices. I am a XXXX XXXX XXXX at a school of XXXXe in which I do not work. I am in the XXXX XXXX. They want to see income but I do NOT have taxable income outside of my drill pay as I am on XXXX and using XXXX XXXX. I can not pay during modification because the account is closed during the application process ; thus, them stating I am default. I have spend XXXX man hours on the phone, uploading documents, uploading tax information so I can pay my mortgage. I just want to PAY the mortgage. I have attempted to call, submitt written complaint and pay all of which has been denied. They state I have to pay the full balance but that is the reason we are in modication, so that they balance is split into new monthly payments. I wouldn't have submitted for modification if their staff couldn't complete the process. I have been in application and underwriting for six months which is affecting my credit. I believe this in an attempt to taken a XXXX XXXXXXXX loan property from a XXXX veteran that sits in a prime location in North Carolina. I only want to pay my mortgage but I can not as the account isn't open for partial payment during modification. I finally received a notice that I should speak to an attorney if I am represented by one at the exact time receiving documents that I have completed the documentation process for modification. How is it possible to receive a notice for debt while refinancing in modification while being protecting during the process, while the documents have expired, while stating I am complete?
Product: Credit card

I believe I 've been the victim of a timeshare fraud in XXXX, XXXX XXXX XXXX, On XXXX XXXX, XXXX I entered into an agreement with XXXX XXXX and XXXX XXXX XXXX. They agreed to pay me {$15000.00} for my residence at XXXX XXXX, which I purchased in XXXX, if I paid them {$110000.00}. The transaction was headed by a gal name XXXX XXXX and XXXX XXXX. I have included all the pertinent contact information for both XXXX XXXX and XXXX XXXX, the contract and all the information, pertaining to my dispute, which I sent to my credit card company. I 've also included the emails I just received from XXXX XXXX. 

The reason I believe it is fraud, is that the same thing happened to another person with whom I had a conversation, and the exact details of my experience were the same as theirs. They employed the services of an attorney and finally were able to retrieve their money. 

The promise of this deal is that if I give them the {$11000.00} they will pay me {$15000.00} for my XXXX XXXX property within 90 days. The bottom line is that they get their money but for various reasons I will never see mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. 

Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX XXXX  Company XXXX  Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 XXXX XXXX
Product: Debt collection

They received my first certified letter disputing the {$1500.00} bill on XX/XX/18 where I requested anything bearing my signature, approximately 30 days later I received photo copies of bills none bearing my signature.On XX/XX/18 they received my second certified letter again requesting anything bearing my signature. Today I got a credit alert showing my collections going up because interest was added on XX/XX/18 causing my score to plummet 56 points and the debt still hasnt been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX