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

I filed a complaint against all 3 of the reporting agencies last month XX/XX/2023, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( experian, XXXX XXXX XXXX ) have reported information on me without pemissible purpose 15 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER XXXX Thank You XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ). In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXXXXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance XXXX. This is a duplicate account reporting the same account number and different balance. FCRA violation. 
XXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA XXXX. You were notified that the payment history is inaccurate and failed to correct or verify this account. Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report XXXX XXXX XXXX Account Number : XXXX Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report
Product: Mortgage

I was approved for a loan and received the good faith estimate. The loan terms subsequently changed XXXX days before the close, but we were past the scheduled close date, my seller was anxious, and my family was staying in a hotel because our house had been sold, we continued to close. We completed the soft close at the escrow company on XXXX XXXX, 2015, and the final close was supposed to be completed on XXXX XXXX XXXX. PMAC lending services failed to fund the loan at this time. They claimed that they were waiting for receipt of an IRS transcript. This document was subsequently received but they still have n't funded the loan. I have been strung along for over a month with excuses and as of yesterday, I learned that they has decided not to fund the loan because they are having difficulty selling the loan. It seems that they have been " stalling '' on the loan close while they tried to sell my loan. It seems that the investor originally slated to purchase the loan decided they did n't like the property for their portfolio ( XXXX condo ), even though this has been known since the appraisal in XXXX. The property appraised above the purchase price and my 20 % down money is fully documented. My seller is obviously as frustrated as I am, and I am now forced to close on a inferior loan immediately because my seller has run out of patience. I will be forced to pay extra finance charges until I can complete a refi which most companies require a XXXX wait period after loan close. I am looking for information on specific protections in place to protect against fraudulent behavior like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX   and XXXX Collector : XXXX XXXX Original XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my ex wife 2014 an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder Nationstar. I have contacted Nationstar about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with XXXX  and Nationstar reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with Nationstar is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.
Product: Vehicle loan or lease

I purchased my leased XXXX XXXX XXXX and used PenFed Credit Union for loan which was closed on XX/XX/XXXX. 
I am paying monthly payments of {$730.00} with no late payments. 
I received the notice ( scanned below ) from PenFed on XX/XX/XXXX that my payment has been increased to {$1800.00} from XX/XX/XXXX as I failed to provide the XXXX for the collateral. There was threatening language that if I did not increase my payments it will become delinquent and my payroll office will be contacted. 
I contacted the PenFed on XX/XX/XXXX and was asked to mail the original title ASAP so this can be reviewed and was granted a 30 day reprieve. 
Further research with Michigan Sec. of State indicated that Michigan is one of the few states ( for used Auto loans ) where XXXX stays with the owner. I contacted them again and they agreed to receive a copy which I mailed by USPSCertified mail on XX/XX/XXXX. 
I had the title since XX/XX/XXXX and Pentagon Federal Credit Union was listed as XXXX XXXX XXXX. I never received any communication from the Bank that I need to send them the title until this loan surprise notice with a massive increase my payments and threat of contacting the payroll Dept.

Cust. service agents I spoke with were courteous and informed me that usually three notices are issued via mail and did not find records of first two.
Product: Mortgage

My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Debt collection

I was browsing the internet and came across a company Big picture Loans and I was in a financial burden I took out a small loan for XXXX $ and the company misled me and the interest rates were very high which was not stated initially and the payments dates were twice a month which is a tremendous inconvenience and placed me in more of a financial strain. Right now my balance is {$1100.00} which is outrageous can you please help me resolve this problem. This loan was given to me XXXX/2017. My account number is XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Experian : XXXX. XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX:XXXX Experian : XXXX   XXXX : XXXX, XXXX  XXXX : XXXX   Experian : XXXX XXXX XXXX : XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX  XXXX  : XXXX , XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX , XXXX XXXX:XXXX Experian : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   XXXX  : XXXX , XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im am writing to formally express my concerns regarding XXXX XXXX XXXXXXXX and XXXX handling disputes in light of the recent CFPB lawsuit highlighting specific issues with the platform. Despite using XXXX XXXX XXXXXXXX and XXXX numerous times and reporting discrepancies l, my financial institution failed to investigate my claims adequately.They informed me that recovering lost fund is impossible and tracking these transactions was unfeasible. The CFPB findings indicate that my bank and XXXX  failed to protect consumers and also let repeated offenders to exploit the system, leaving us vulnerable to scams.
Product: Student loan

XX/XX/XXXX. {$1500.00} XX/XX/XXXX. {$4400.00} XX/XX/XXXX. {$4300.00} XX/XX/XXXX. {$2900.00} Ive called the company to ask about sending the original paperwork and my signature. Also asking how is it valid/legal for a minor to sign for such significant amounts being under the XXXX.
Product: Debt collection

I started to work for the company XXXX XXXX in XXXX of 2020. They Promised me a new position as a XXXX. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were XXXX different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, XXXX XXXX will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account : XXXX XXXX
Product: Debt collection

CRA violation no knowledge inaccurate collections account on my Transunion credit report. FTC ID Theft report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from XXXX  that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is wrong and previous names and addresses and employers information is all inaccurate
Product: Credit card

Someone tried to open a chase account and a XXXX credit card application on my behalf
Product: Debt collection

Contacted XXXX XXXX XXXX for information about leasing with them and their policy on rental history with a past eviction. Filled out info on their website and picked unit I liked then they emailed me saying I needed to complete the application with them. Stated I wanted to know beforehand if they dealt with my issue so I didnt waste money on an application. The leasing agent emailed she would check with her manager and got back saying no they didnt accept past evictions. I never stepped foot on the property and never agreed to {$260.00} in exchange for her asking the manager a question knowing my situation. Debt is sent to a collection agency and I have written letters disputing amount with both companies. Online I saw a {$65.00} app fee which was advertised as free application then once submitting payment saw a {$150.00} admin fee as well from XX/XX/18. This company ran my application after knowing it would be denied and refused to refund my fee and cancel the application after emailing with me.
Product: Consumer Loan

On XXXX/XXXX/16 I traded my previous vehicle for a new vehicle. My payment date on the previous vehicle was XXXX/XXXX/16, therefore I did not make a payment. Both my previous car loan and my current car loan are through Chrysler Capital. My new loan included pay-off of my previous loan. On XXXX/XXXX/16, I received a call, from Chrysler Capital, stating my payment was 30 days late, much to my surprise. After being informed of this, I immediately called the dealership that I had purchased the new car from. They told me that a check had been mailed to Chrysler Capital, on XXXX/XXXX/2016, along with XXXX other checks. The XXXX other checks had been processed through their bank, but the check for my pay-off had not. The dealership attempted to right the wrong, as much as they could, by calling Chrysler Capital, to no avail. The dealership did stop payment on the original check and sent another check, that has now been received by Chrysler Capital. This check posted to my previous account on XXXX/XXXX/16. After more than 10 days of frustrating calls and leaving messages, the " Office of the President '' has informed me that they have no choice, but to report the late payment to the Credit Bureau. I feel that this is unnecessary and unfair. They had access to both my previous loan and my new loan to see that a pay-off was in the process. I had no reason to think that there was any problem with the pay-off of my previous vehicle. There were no phone calls, emails, or letters informing me that the payment was late, until it was going to affect my credit.
Product: Credit card

I closed my account bc I could affored to pay off the card with the extra fees, agreed to pay off what was left of the card and nothing extra. XXXX XXXX says my card is closed and the destiny mastercard says I have no available balance so I thought the fees would stop. I pay XXXX bucks a month for a card I don't even use anymore only to be billed another XXXX dollars in fees just for paying the credit card off. Seems like I can never pay it off because of the fees! They are scamming me and many others, and I've become more in debt than ever over a supposedly closed account. I talked to someone over the phone and they told me I would not be charged extra fees but here I am, half of my credit card payment going towards fees.
Product: Credit card or prepaid card

During the past 15 yrs have had synchrony account on and off seems they can close your account when they feel like it even though your paying your payments on time. 
Recently My Credit Score was XXXX had 6 Accounts With Sychrony Financial all XXXX balance but 3 had XXXX Credit Limits over the yrs had credit limit increases as most banks do for being responsible and paying your bill I Never Had A Late Payments always kept low balances so one day I wake up check one of my Accts XXXX Visa Card Found XXXX available then checked all 5 other accounts all showed Closed I Called Waited 1 HR 18 Mins For Supervisor to say sorry closed due to high risk!!!

Now Whats High Risk!!! 
Never late Always Paid My Bills Kept Low Balances Good Credit Score XXXX Dropped 96 Points Once They Closed My Accounts There has to be a law in Affect For This Bank To Stop Messing With Peoples Credit For No Wrong Doing!!!!
Product: Mortgage

I been trying to do a loan modification with Chase, I have applied in the past, but I have not been successful because of my income. This time they do n't want to even look at the my application even thou my financial situation is different that it was when I first applied, they refused to review the application, I think that is not fair to people.