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

My credit score with XXXX was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit scorXXXX decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with XXXX. I am homeless at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received an email from Affirm informing me that a cybersecurity incident occurred with XXXX XXXX and XXXX, one of Affirms partners. The email stated personal I information may have been compromised but that your affirm card is still working and safe to use. Next email was received on XX/XX/year> from Affirm stated I would receive a notice from XXXX XXXX XXXX XXXX  and To summarize, a cybercriminal organization illegally accessed and obtained some personal information about Evolve retail bank 's customers and those of its financial technology partners, which include Affirm. For Affirm Card users, this means that your personal information may have been inappropriately accessed as a result of this incident. The third email on XX/XX/year> was received by XXXX XXXX XXXX XXXX informing me of the Data Breach, The last purchase I made with my Affirm card was on XX/XX/year> and less than XXXX hours after the transaction, I find out I can not request a payment plan and my available to purchase amount was XXXX. I emailed Affirm on XX/XX/year> and didnt receive a reply until XX/XX/year>. I responded back and again, no response. I called Affirm on XX/XX/year> and got no help from a representative. They told me I could call back in XXXX business days for an update of my account status. As of today XX/XX/year>, I have no ability to buy anything through Affirm and my account has not been updated since XX/XX/year>.
Product: Debt collection

Reached to capital one auto finance back in XX/XX/2021 and made a one time settlement payment in the amount of {$1300.00} to be relieved from this debt in addition to an agreed " deletion '' across all credit bureaus. Capital One Auto Finance did not fulfill agreement after over XXXX since settlement.
Product: Mortgage

I purchased a brand XXXX XXXX XXXX house in XXXX following the most incompetent, unorganized, unethical, non compliant loan process. Originally my XXXX loan was funded by XXXX XXXX XXXX XXXX ), but it was quickly sold to Freedom Mortgage. This was my third purchase of a house and unequivocally the worst experience yet. 

Unfortunately, XXXX was the beginning of a cascade of traumatic and financial experiences. It started with a XXXX XXXX followed by illnesses acquired from XXXX XXXX in construction and workmanship, then being XXXX harassed by XXXX XXXX XXXX XXXX, {$4000.00} of repairs to my XXXX ( clearing my savings account ), and then I was hit so XXXX XXXX in my car that it was a total loss. Following the wreck in mid XXXX, I knew i wasnt going to have the money for XXXX mortgage. I called Freedom Mortgage and advised them I was experiencing a financial hardship as a result of these compounding circumstances. 

I requested a forbearance and was denied any assistance because I was current on payments. I was told I had to wait XXXX days to become delinquent before underwriting/loss mitigation would help. I was also told I couldnt get a forbearance, to complete a litany of paperwork and wait XXXX days for a repayment plan- that was misrepresenting the facts.. Per XXXX XXXX Announces Targeted Foreclosure Moratorium on VA Loans Through XX/XX/year>. On XX/XX/XXXX, the Department XXXX XXXX XXXX ( VA ) announced a targeted foreclosure moratorium on XXXX loans intended to allow servicers sufficient time to implement the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX That makes XXXX months already of crashing my XXXX XXXX. The audacity of this lender to propose that I make an extra {$500.00} payment on top of my existing mortgage of {$1800.00}. I had already submitted bank statements and expenses report, and I have roughly {$60.00} to my name after everything. Im already emotionally, physically, and financially exhausted yet Freedom Mortgage chose to engage in misrepresentation and deceptive practices. 

I call back and speak to a helpful female rep who was just as perplexed as me with the repayment plan. She told me shed reject it and request for the forbearance. I voiced my frustration and anger that I was led down XXXX XXXX that caused unnecessary suffering and serious damage to my credit. This absolutely falls under unfair business practices. It is highly unethical to treat customers, a XXXX XXXX XXXX XXXX at that, with no respect, integrity, and empathy. Taking advantage of a persons vulnerability, like financial stability, and further exploit the situation is PREDATORY behavior.
Product: Vehicle loan or lease

We purchased a new 2022 XXXX XXXX XXXX and financed through BMO Harris. We applied XXXX $ down with the dealer which brought our principal balance down too {$28000.00}. 

After I was enrolled with digital banking I noticed the principal balance was correctly reported to my credit, but not my account balance where I make payments. 

I reached out to the bank and spent well over an hour on the phone in which determined one system showed the correct balance, while the other system showed a 0 down payment balance. 
I worked with the representative and thought we had figured out the correct department to handle it. But there was no resolution while on the phone as they said this would take time. 

It has now been close to 3 months and the balance issue is not resolved.
Product: Debt collection

Had a false claim submitted to  Caine & Wiener from  seller on  XXXX , which  XXXX  ruled stated I did not owe any money.  XXXX   XXXX   XXXX  claimed he was a lawyer, that he did not care that  XXXX  said I am under no legal obligations, and that I was breaking the law by not paying. When I asked for his lawyer licensing number, he then back tracked and said he never claimed that. He was trying to intimidate me and then very rude afterward, and refused to answer most of my questions. I could not get any information on the company that filed the false claim.
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. 

Account names : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX Each of the above has violated my rights in violation of the Fair Credit Reporting Act. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX SHERIFFS OFFICE THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with XXXX and XXXX is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. Equifax needs to send a representative to manually check the records of XXXX so that it can be reflected on my credit report that I have a XXXX balance. XXXX is lying about this account so Equifax needs to properly investigate and this account needs be updated to a XXXX balance immediately.
Product: Debt collection

This debt should have been included in my bankruptcy. It should be removed from my credit report. See page 15 of the attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained a thousand times, yet you used old complaint to close new complaint, I was identity thefted yet no one will do thier there should be no inquiring on my reports and the accounts I've been disputing in never fixed or investigated. I am now reporting that Transunion, XXXX, XXXX and CFPB have all committed fraud that report is going to FTC, IC3 and department of Justice, you all are fraudulent lying about investigations, using old results for new complaints. Do what you will but I won't stop till I'm Paid very well or you all loose bussiness license.
Product: Credit card

I had a charge appear as fraud on my credit card. The charge for a car rental was prepaid then later a charge was made again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2019 I realized that I was a victim of identity theft and fraud. I started writing dispute letters, calling the creditors and also the credit bureaus. Majority of the items were removed. XXXX has XXXX XXXX on my credit after being removed by XXXX and Equifax. I have submitted affidavits and police report, and also a FTC report, I called and spoke with someone and he said he wont remove it and when I stated I was going to file a complaint he stated he didnt care. 
Equifax is still hold XXXXXXXX XXXX  XXXX XXXX and that too is fraud. Other than these items I have great credit thats how they know they arent mine.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Outdated Negative Information Under FCRA Guidelines Dear Sir or Madam, Upon a recent review of my credit report, I have identified an inaccuracy that is impacting my financial health and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the duration of negative information on consumer reports as outlined in Sections 605 ( a ) and 623. This concerns a charge-off by XXXX XXXX XXXX for an account that was closed on XX/XX/2017. 

Account Information : Creditor : XXXX XXXX XXXX Account Number Ending In : Please Review Attached Documents Charge-Off Date/Date Closed : XX/XX/2017 The presence of this charge-off on my credit report beyond the seven-year limit mandated by FCRA 605 ( a ) has unjustly affected my credit standing. This outdated information inaccurately reflects my current financial health and legal compliance regarding credit reporting standards.

Action Required : 1. Investigation : In accordance with FCRA 623 ( b ), I request a comprehensive investigation into this matter to verify the outdated nature of the reported charge-off.

2. Removal of Outdated Information : I expect the removal of this charge-off from my credit report promptly, aligning with the requirements of FCRA 605 ( a ), which limits the reporting of negative information to seven years from the date of initial delinquency. 

3. Confirmation of Action : Please provide written confirmation of the investigation outcome and the removal of the charge-off, as per my rights under FCRA 611 ( a ). 

Please note that the recent review of my credit report that revealed this discrepancy was initiated by me and does not reflect any recent update provided by XXXX XXXX XXXX. 

Attached Documentation : XXXX. Documentation confirming the charge-off date by XXXX XXXX XXXX XXXX 

XXXX. Copies of my credit reports indicating the presence of the outdated charge-off. 

I trust that you will address this issue promptly and ensure compliance with FCRA standards. Failure to rectify this error within the statutory 30-day response period may necessitate further actions on my part, including seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) and legal advice to protect my rights under the FCRA.

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report and uphold the integrity of credit reporting standards. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the Dodd-Frank Financial Modernization Act of 2010. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a UDAAP violation and should be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute and have remove a XXXX XXXX account on my credit report with a balance of XXXX listed on my experian. This Account is inaccurate and is missing many months of reporting I have disputed This Item several times however it continues to be verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending this company letter after letter for a year already for them to verify the information they have on file. After a whole year they have failed to update that information and have wasted my time. 

On the Accounts of XXXX XXXX XXXX and XX/XX/XXXXXXXX, Equifax has failed to provide the " Credit Limit ''. This is so unfair to me as a consumer as I'm trying to get my life together how are lenders suppose to get the correct debt to income ratio. 

I have all the letters and dates I have sent. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wanted to bring to your attention that on XXXX, I had submitted a request for the removal of inaccuracies from my personal information. However, I have noticed that the corrections have not been made yet. I kindly request your assistance in rectifying this matter as soon as possible. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report from XXXX, Transunion, XXXX  and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a Trans Union dispute for Incorrect Data on my credit report was started. It is still unresolved. XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account shows open and in collections with a debt of {$820.00} owed to unknown debt collector. After several disputes via online, over the phone and through the mail, the incorrect info still remains on the credit report. Proof from XXXX XXXX, ( Stating that there is no amount of money owed/account does not exist ) was provided to Trans Union, along with other supporting documents to prove the case for removal of the incorrect information in the report on Friday XX/XX/XXXX. This mail with the supporting documents was sent via USPS with delivery confirmation, and has a tracking number of : XXXX XXXX XXXX XXXX XXXX XXXX. Currently the USPS has it marked as delivered. After the fourth dispute was unsuccessful in rectifying the matter, I am currently writing this. The company Trans Union has failed and is in breach with complying to the laws of the FRCA. I have suffered actual  damages, soon to be including court costs, attorneys fees, lost wages and, if applicable via the courts, defamation and intentional infliction of emotional distress and possible punitive damages.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I trust this letter finds you in good health. I am writing to request a modification to my address information in my credit report. My name is XXXX XXXX XXXX, and my birthdate is XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXXXXXX AL, XXXX. 

I have recently relocated and kindly ask for your assistance in updating my address information as follows : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX I understand the critical importance of accurate data on my credit report, and I am committed to ensuring the correctness of my personal information. I kindly request the removal of all my previous addresses, which were as follows : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I kindly ask that you update my credit report with the new address mentioned above. If any further documentation or verification is required, I am ready to provide it. Kindly confirm the completion of this update by sending a written confirmation to my email address at XXXX or by contacting me at XXXX. 

Your dedication to maintaining accurate consumer information is greatly appreciated. Thank you for your prompt attention to this matter. 

Sincerely,