23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have fallen behind on my payments due to having XXXX and being out of work. I am receiving 4 to 5 calls a day with 3 voicemail a day and this is 6 days a week. So on average I'm receiving over 20 calls a week. The voicemail is a general voicemail that others have access to where they have left specific voicemails as to who they are amd that they are trying to collect a debt.
Product: Debt collection

I was de-frauded while traveling XXXX in XXXX by deceptive practices. 

In XX/XX/XXXX, I traveled to XXXX with the tour company XXXX XXXX. They took us to a silk factory called " XXXX XXXX XXXX XXXX '' and encouraged us to purchase large amounts of silk goods and clothing with the promise these goods would be shipped home to us in America. As of this date, I still have not received my purchases. 


Thank you so much for giving me some recourse. No person in their right mind would pay for goods not received. Chase Sapphire can easily remove these disputed charges, as the charges for this purchase have proven to be fradulent per all my documentation Chase has on file. I am confident one of the biggest banks in the world has adequate insurance for this type of dispute. 

I trused the XXXX XXXX  tour company guide, I trusted the Silk Factory, and I trusted Chase Sapphire to protect me from fradulent activity such as this. Chase has numerous documents on file proving the goods were never shipped and/or received by me. 


I have spent many thousands of dollars on this credit card since XXXX, and earnestly believed Chase would protect me against fraud of this type, expecially when traveling overseas, with a language and culture barrier. I was given no other choice by the XXXX XXXX  Tour company and factory but to have these goods shipped to me, and as stated in my complaint, as of this date I still have not received them. I was not offered or given the option to mail them by air. 

I need JP Morgan Chase Sapphire Credit Card services to remove the fradulent charge of {$2800.00} so my credit will not be ruined, and my ability to refinace be affected. 

With appreciation for your services and help in resolving this matter, I remain sincerely 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  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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 of 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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company is Equifax, XXXX XXXX XXXX, XXXX, GA XXXX In the memorandum from my creditor regarding their credit decision pertaining to me, they enclosed information from my credit report provided to them by Equifax. The document makes reference to code XXXX SERIOUS DELINQUENCY. This code is shown in the area stating 'Key factors that adversely affect your credit score '. 

In reality, there are 0 delinquencies on my credit report. No late payments, no collections, bankruptcies or judgments. I'm very concerned that I'm scored based on inaccuracies. 

I have called multiple times to complain and dispute this since I noticed it in XXXX & XXXX. I was told to use the online dispute center. Unfortunately, the Equifax dispute center is selection oriented. The section that this falls in is not an option to select on the web form. Accordingly, I am not able to dispute this issue in writing. 

During the pandemic, it took hours on the phone to reach someone, so unfortunately I gave up. I am coming to you for help. I believed the automated system is scoring me incorrectly and creditors are filtering me out based on said automated score and never looking at the actual report showing 100 % on-time payments on all accounts. 

I hope that you are able to assist me with correcting his error with Equifax. 

Thank you!
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I gave my XXXX XXXX away after having major car issues. I gave it away and the person who took it were to pay off the remaining balance and I would be released of any financial obligations. I signed the pink slip and all DMV paperwork the finance company was notified yet XXXX from XXXX continue to threaten stalk and harass me in all and everyway including through family members and at work
Product: Credit reporting

There is an account reported on my credit report by XXXX XXXX that I do not recognize. I have never received any statements from them for this account and it says it was " charged off or collection ''. Also, I have never received any letters from collection agencies for XXXX XXXX with this account number.
Product: Credit card or prepaid card

This is the third time sending this FTC report and the supervisor from EQUIFAX XXXX XXXX and his I.D number XXXX was very rude was not helpful at all. He told me he seen I sent the last two FTC reports with my ID but still refuse to help and even hung Up me. please delete these fraud inquiries off my report immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  I've never applied for credit with these companies Ive tried to get these removed before but haven't had any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/XXXXI sent a letter regarding inaccurate and unknown things on my credit report. I have not yet received a response and its over 60 days. My disputes are being ignored and I feel power is being abused here. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these items be deleted immediately or I will seek litigation due to the XXXX it has caused. I was also affected directly by the Equifax data breach and my information was impacted and may have fell into the hands of the wrong person.
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 US 1681. 

Account Name 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.

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

Equifax is now reporting 1 month delinquency on a credit account. My fico reports do not show any delinquency but it is reported under my score and has recently dropped it. Equifax says that its an error with fico. Im been denied credit due to this issue. Equifax is the only CRA reporting this issue. I have called in and they say they havent made a mistake. I am also completely unable to see the results of my disputes online. There is no pdf available for them.
Product: Credit card

This is an official notice of SUBROGATION AND SUBSTITUTION I am invoking my right to Equitable subrogation, I have attached a power of attorney to this complaint, I have the signed and notarized copy for my records. 
also A copy of the surety report has been attached as well. 

I would like a ledger investigation for each transaction and the accounting for the securities, from the open date of any and all accounts associated with my social security number, cusips and otherwise. 

I am XXXX XXXX XXXX I would like 80 % of all of my securities transferred to my brokerage account XXXXXXXX XXXX XXXX information listed below
Product: Mortgage

My current mortgage servicer, dba. Mr Cooper, did not pay my XX/XX/XXXX property taxes despite having escrow to cover the amount. On XX/XX/XXXX, I contacted my town tax collector and I was informed the taxes were not paid, triggering a {$140.00} penalty. I contacted Mr. Cooper on XX/XX/XXXX to inform them of the tax payment not being made plus the penalty and I spoke to XXXX in the Escrow Department. She informed me she would escalate the issue and pay the delinquent taxes and the penalty. XXXX assured me the penalty would not be paid from my escrow account. On XXXX XXXX I contacted Mr. Cooper again and spoke with XXXX. XXXX informed me that the tax Department has submitted a tax verification request to the county and they would pay the taxes when they received a response. XXXX apparently did not like my characterization of Mr. Cooper 's customer service as poor and she hung up on me. This mortgage was completed in XX/XX/XXXX with XXXX XXXX  XXXX. Despite XXXX XXXX  including the XXXX tax payment in it's escrow calculations, XXXX XXXX  failed to pay the property taxes on time resulting in a tax penalty just under {$100.00}. XXXX XXXX  sold my mortgage to Mr. Cooper without reimbursing me for the payment of the tax penalty for not paying the taxes on time. Mr. Cooper has now missed the second property tax payment and my home insurance is due next month. It would be safe to say I have no confidence in Mr. Cooper fulfilling it's obligation with my escrow payments. Mr. Cooper representatives informed me multiple times they would not ease the escrow requirement despite their failing to properly apply escrow payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX  ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I HAVE SENT IN FTC REPORTS AND ALL EXPAINING TO TRANSUNION THAT THE INQUIRES ON MY CREDIT REPORT ARE DUE TO SOMEONE ATTEMPTING TO GET GOODS OR SERVICES IN MY NAME, YET I AM STILL SEEING THESE FRAUDULENT INQUIRES ON MY CREDIT REPORT, I DO NOT HAVE AN ACCOUTN WITH ANY OF THESE COMPANIES EITHER, THESE FRAUDULENT INQUIRES ARE STOPPING ME FROM SECURE CREDIT AND HOUSING. 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 I EXPLAINED TO TRANSUNION THAT THESE ARE FROM FRAUDULENT ATTEMPS IN MY NAME AND XXXX HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES, BUT THE STILL ARE REPORTING ON MY CREDIT PROFILE.
Product: Debt collection

There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. XXXX will not allow me to re dispute.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$59000.00}
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern I was looking over my credit report and noticed that I had some unauthorized inquiries on my credit report from Equifax and from XXXX and I want removed from my report asap because it's hurting my credit THANKS Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage company ( SLS ) XXXX XXXX XXXX incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least XXXX occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from XXXX credit agencies but they will not remove the false reporting from Experian. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional XXXX times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting Experian to remove this false report with no explanation as to why they are disadvantaging me in this way.
Product: Credit card

Opened an Secured Credit account XX/XX/XXXX, using money deposited ( {$300.00} ), was solicited by the company stating, its to build credit. I called Discover Credit Company due to two credit limits reporting on my PRIVATE credit scoring of {$24000.00} and {$21000.00}. I was told by the company to call the reporting agency which is XXXX. I called XXXX, they advise for me to contact the reporting company XXXX Discover Bank ). I than again called Discover Bank today XX/XX/XXXX ; spoke with one lady and was told the reason for the closure of my account, that I was supposed to receive the {$300.00} dollars bank. She transferred me to someone else and than that person transferred me to a supervisor XXXX XXXX number XXXX. I explained to the supervisor of my concern of having a card that was funded and closed ; didnt quite understand how the company is able to closed an account on a consumer investment into the company with a deposit of their own Money. I also explained to the company that they were in violation of HUR 192 Public Law 7310 ; Public law 73-10 40 Stat 411. XXXX explained that it was terms and conditions that were sent to me 10 days prior to the card being mailed ; I explained I received the terms and conditions with the card and not separately. I that explain that I than in XXXX was a bona fide purchaser of a credit line ; solicitation of the company stating its a Secured card required deposit to extend a line of credit for credit building. I explained to XXXX that I wasnt aware in XXXX that I actually made an investment into the company when submitting an application which than turned into a receivable that are than considered asset backed securities. I explained to XXXX that I want to do a resention of the original contract given as a bona fide purchase, of the company being able to keep all the proceeds from the security invested XX/XX/XXXX. She stated all companies rely on fico scores to determine the amount credited to the company. I explained that such scores cant determine the credit line to be given to XXXX  because in the XXXX filing with the SEC for Discover credit line, rely on investments from consumers. It is said also in the XXXX filing that the asset backed securities are fixed rate asset back securities. In which are, The fixed-rate aspect means that the interest rate paid to investors remains constant over the life of the security, providing predictable cash flows. The underlying assets generate the cash flows used to pay interest and principal to investors. Examples include ; cXXXX XXXX XXXX XXXXXXXX XXXX said that I was in the wrong department and I should be talking with Discover Bank and not Discover Credit Bank. She proceeded to hang up in my face with out a solution to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report & notice they have been some accounts on my report that I had no idea of & do not recall applying for. I have contact these companies multiple time & even sent dispute letters to all 3 credit bureaus regarding this matter. I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies Company name : XXXX XXXX XXXX Date : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN AND XXXX XXXX HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.
Product: Credit card or prepaid card

For the past month, when I log into my Discover account to check my activity, there is a large advertisement, right up front. It basically says that they are offering a low interest home equity line of credit, in the event that I am looking to buy another house. I AM thinking about moving, so I was curious. 
It simply said to click on it to find out about using home equity for a down payment on a new house. I did NOT know that it was going to make a hard credit inquiry. Now my credit score has gone down. I actually had no intention of getting a loan at 12 %! It NEVER indicated it was a high interest loan. 
I have prided myself on keeping my credit score high. My financial accounts are spotless. As a result of Discover 's actions, my score went down XXXX points. Now I WILL NOT be able to buy a house with the best possible interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, LVNV Funding LLC added a derogatory mark on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX. After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.