23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Apparently in 2010 Discover Card was successful in getting a judgement for a debt owed by a XXXX XXXX - presumably a Credit card. I am XXXX XXXX XXXX I own property in State of Washington XXXX a lien for this debt was placed on my property. I do not now or ever had a Discover loan of any type. I am appalled that a Company through its attorney can place a lien on my property without due process. XXXX County Judgment is XXXX. I suspect the judgement and legal proceedings were served to the rightful XXXX XXXX but this individual does not owe the property that is being was lien. Atty on the complaint are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX This is all the information that County records gave me. I found out about this issue as it is creating a problem for me in refinancing my home.
Product: Credit reporting or other personal consumer reports

It's been since last year XXXX and this year XXXX that I have been speaking with the representatives at Equifax about correcting my last name, taking off addresses that I have never lived at and as well as correcting my Divorced last name to my Re-married last name. 
every time I call they tell me I have to wait to keep checking back, why do they work for Equifax if they can see in their system if customers information is being updated or in the process of being updated. this is very frustrating, I give my Social and they still say they cant find me in the system when they had me in the system before. The sad thing about it is after I called back a XXXX time there was a lady who was looking at what i was looking at online in my account and was very helpful and explained that they have no access to change my information & that I would have to send in my driver License, social Security Card, and a letter stating that I have no score and that i need my information updated and to gain access to my Equifax and to unfreeze my account for the XXXXXXXX XXXX  so I can make payments. but unfortunately they been having my information going on XXXX  months now. I was told to mail my information and the letter to this address Equifax Dispute Dept XXXX XXXX XXXX XXXX, XXXX XXXX In need of answers and for my Equifax to be updated
Product: Credit reporting or other personal consumer reports

There is an account with XXXX on my XXXX XXXX which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My XXXX XXXX  states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXX Employee ID # XXXX on XX/XX/2022 at XXXXXXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXX Department and she would call me back when she hears back from them, approx. in XXXXXXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX department but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXX department and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records. It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting this fraudulent account. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I applied for a mortgage modification after a XXXX caused me to fall behind on my mortgage and I lost my job. Carrington Mortgage will not work with us to modify my loan.Has made me repeatedly send mortgage modifications applications in several times. Im still waiting for ssdi to approve or deny my claim but receive LTD from insurance I paid for. My monthly income is about {$4600.00} a month and they say my only option is something I tried to do over a year ago. Short-sale. It has taken 50 days to get an answer to my loan modification application, and it still hasnt been sent by mail. Ive been verbally notified and after calling and asking, I was emailed a copy of a letter never sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Unauthorized account and use XXXX  XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX XXXX I never lived here at this address
Product: Credit card or prepaid card

In XXXX I ordered a new card. The card never arrived. I noticed Fortiva kept pushing card over the spending limit and reporting false information to the creditors. They kept the card they were supposed to send to me, and instead spent the card over the limit and reported false information. When I discovered they did this I asked for a new card and they told on themselves and claimed they been sent it to me even after I told them I never received it or used it. Someone at Fortiva was using the card driving up the limit on the card while refusing to send me the one that was ordered for me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 # XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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 or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with Credit Bureau Association. They did provide me with the original contract as I requested. I do not have a contract with XXXX.The did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of a fraudulent account from my Equifax credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 
The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXX This account was opened fraudulently in my name without my consent. According to 15 U.S.C. 1681c-2, once a fraud alert or identity theft report is received, Equifax should take prompt action. As this fraudulent account is causing significant harm to my credit profile, I request its removal within 4 days, in line with the urgency typically required for such cases. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I kindly request your support in this case, they are hurting my ability to obtain credit.
Product: Consumer Loan

My Honda was reposed for the 2nd time. The first time I was behind 2 payments. The second time I was behind 1 month. I was always calling and informed them that I would catch the loan up when I received my taxes. The took the car the day I would be 2 months behind and I received my taxes and they would n't alow me to pay it up. I lost my car and now my credit with be damaged. I don ' ; t think it was fair they just took the car. I lost my job so I was struggling but I was paying them and I was only a month behind. I do not know what to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report that were fraudulently created as a result of a data breach. Under the protections granted by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized accounts removed from my credit file. 
Please delete the following accounts from my credit report : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Additionally, please delete the inquiry by : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623.  Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.
Product: Checking or savings account

Navy Federal has consistently run charges with explicit knowledge that the funds are unavailable. This has taken place since the creation on this account in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXX XXXX XXXX All others are fraudulent
Product: Checking or savings account

I deposited a cashiers check at Chase bank and I tried to make a domestic wire to a crypto exchange to make interest on the money prior to me using it for home improvements. The money in my account was from a loan I was approved for and now they have suspended the account and are holding the mon

ey for 20 business days. I have to make a loan payment on this money in less than 30 days. And I am not sure if my money will be released from Chase bank in time to make payment. Chase bank should have to pay my loan interest if their holding my funds up until the time the loan is due. How is this considered banking and are they making money by holding my funds for 20
business days. Please release my funds their not your funds Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX AUTO FINAN {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

I have had a Kohl 's Department store credit card for many years. My sister also has her own account, and we are authorized users on each other 's accounts. I called Kohl 's on XX/XX/2023 and spoke with a representative to further understand my minimum payment prices, because they appeared to be higher than normal. There was inconsistency regarding my expected payments ( sometimes {$29.00}, XXXX, XXXX, XXXX ). He insisted that I have my sister verbalize consent to access her account, but I was calling specifically about my own minimum payments. He became frustrated with verifying information and hung up on me without any resolve. I called on XX/XX/XXXX to make a payment for over {$100.00}. I was notified through email on XX/XX/XXXX that I was several payments behind. I had not previously been notified through phone, email, or text by Kohl 's that I was delinquent on payments. After speaking with a representative on XX/XX/XXXX, they have no record of payment since XXXX. Through the automated system, when I add my SSN, it provided sister 's account information ( which I'm not authorized to have without her consent ), my minimum payment, and presumably my banking information. These payments were never processed on either my account or my sister 's, and neither of us were billed. More confusingly, now on XX/XX/XXXX, it gives her account information, her minimum payment, and her banking information. After calling Kohl 's today, XX/XX/XXXX, they are saying my normal minimum payments are {$36.00}, but they charged me {$100.00} for the months of XXXX and XXXX and another {$79.00} will be billed for the month of XXXX, saying that I owe more because my payments were late. They refused to change this amount due, saying they're not authorized and there was no one else besides another supervisor I could speak to about my complaints. As of XX/XX/XXXX, when I call to the automated phone service and provide SSN, it still doesn't give any of my account information, and no representative has tried to fix this or give appropriate answers as to why this is still happening. My credit score has significantly dropped ( about XXXX points ) during this time. I have been charged higher payments, I have been billed higher interest rates for the late payments, and I still have no confidence in security for my account. I still don't understand how this happened, and have been given no plan of action to fix this by Kohl 's themselves. From my understanding, I was making payments and my accounts were current. During this time, one representative and one supervisor hung up the phone, and I still have more questions than answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan will not update my credit report has not been updated since XX/XX/2021.Also I let Nissan know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, the items listed in this report need to be deleted. I was not the individual that authorized forthese inquiries to be made on my credit fi le. I ask that the items are removed to correct my credit ASAP.This has been reported to the FTC months ago and your agency has yet to remove the following inquiries.Please delete these items. 

XXXX Inquiry from XX/XX/2020. 
XXXX XXXX  Inquiry XXXX XXXX, 2020. 
XXXX XXXX Inquiry from XX/XX/2020. 

Best, XXXX
Product: Credit reporting 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 Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XX/XX/XXXX 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 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: Debt collection

I received a toll violation around XXXX of 2016. The company linebarger law firm was representing XXXX to collect a debt. Upon further research I found that the violations were made when these vehicles were not in my possession as they were sold before the date of the violations. I have been sending letters back and forth with this organization for 10 months and even had to get my lawyer involved. I have proven that this is not my debt but I continue to receive harassing letters from this company. At this point I have done everything I can. I can supply all correspondence and documentation between me and the agency over the past 10 months.
Product: Debt collection

I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my USA number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the USA ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company Portfolio Recovery Service continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this Portfolio Recover is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.