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

I purchased a car threw a dealership, I gave XXXX down the car was XXXX XXXX for the 2 years I payed XXXX every month and this last year I struggled but I still Im managing to make payments the financial depart says I owe XXXX XXXX still but I have proof of other wise please help
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

i discovered on my XXXX report i have the following collection -Collection Agency -Collection Agency TRANSWORLD SYSTEMS INC Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX XXXX {$200.00} TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts exhibit inaccuracies in reporting, with incorrect amounts and dates.
Product: Mortgage

In XX/XX/2023 I called as I was at 80 % equity on my loan. I requested the removal of PMI, the agent said I was approved and I will no longer pay PMI as of XX/XX/2023. I noticed in XXXX that I was still paying PMI so I called back and they claimed they informed me that after the original conversation in XXXX that I needed to pay more premium to have it removed. I was never provided this information. The only thing I received was a generic voicemail to call. It was never mentioned that they were contacting me regarding an issue with PMI removal so I assumed it was a sales call since I've had issues in the past with contacting them with questions and then being immediately contacted by their sales department. 

I spoke with a escalation manager and they refused to provide any compensation for their mistake. I explained how paying PMI instead of premium for these past few months has cost me financially since I am now paying more interest over the life of the loan. They claimed there was nothing they could do even though they admitted that the voicemail was not clear on the intentions for contact and nothing was sent in writing to let me know there was an issue.
Product: Debt collection

Scott & Associate 's XXXX XXXX XXXX XXXX, TX Re : XXXX XXXX debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XXXX-XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX XXXX of XXXX and XXXX XXXX and XXXX and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to XXXX when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at XXXX and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.
Product: Credit card or prepaid card

I have a Costco City Bank Business Visa. They have a practice in their fine print that I question is legal certainly not ethical. " If you do not pay your full balance by the due date, you will not get a grace period on purchases until you pay the new balance for two full billing periods in a row. '' They interpret that to mean carrying the full balance forward. In essence you end up paying interest on money they already have.
Product: Credit reporting or other personal consumer reports

FOR MONTHS YOUR COMPANY HAS BEEN REPORTING INACCURATE & INCORRECT INFORMATION ON MY CONSUMER REPORT. EVERY ACCOUNT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY, THE PAYMENT HISTORY & LAST PAYMENT DATES BETWEEN XXXX, XXXX, TRANSUNION.. DELETE AFTER YOUR REINVESTIGATION OF THESE INACCURATE ACCOUNTS, YOU WILL DELETE EACH ONE OF THEM FOR VIOLATING THE FCRA, BECAUSE THE INFORMATION IS INACCURATE IN REPORTING. DELETE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF ALL THE DELETIONS. DELETE THESE ACCOUNTS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( US DEPT OF ED ) ( US DEPT OF ED ) XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a XXXX $ check and they restricted my account and Im unable to use any funds from the account. They say they were unable to verify my check from the phone number in their system.
Product: Mortgage

Mr. Cooper Mortgage Loan During XXXX, due to loss of income we asked for Forberance. We never made a late payment. Forberance was approved and we stopped making out payments. We started making payments again in XX/XX/2021. We applied for a refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX months after foreberance ended is what we were told we needed to wait. When XXXX XXXX Approved us they submitted a mortgage verification to mr cooper. Mr Cooper submitted them with a verification stating that we had been late 3 times in the 30 day and 3 times in the 60 day. during our covid foreberance. XXXX XXXX declined to refinance us after receiving the verification, which I have a copy of. I have tried since XX/XX/XXXX to get Mr. Cooper to to correct the problem they have not. They keep asking for XXXXdays and then they do nothing. XXXX XXXX had locked in our mortgage rate and said they would resubmit if Mr. Cooper would Correct it. I also asked Mr. Cooper to refinance which they declined due to the late payments noted on the account.
Product: Credit reporting

I originally submitted a complaint concerning Experian on XXXX 2015 concerning an account that was previously deleted, then sold to another collection agency and Experian was the only to place back on my credit. They have not provided final resolution. Since then have dropped my score XXXX points on XXXX/XXXX/15 for my XXXX account credit limit increasing from XXXX to XXXX. No not me using the balance, but the limit increasing? Then here recently XXXX/XXXX/15 I was notified my XXXX that my score reduced again my XXXX points due to me paying down a credit card owned by XXXX by {$100.00}. This makes absolutely no sense. My scores with the other CRAs are XXXX - XXXX and XXXX XXXX XXXX . My score with Experian shows XXXX. It is always between XXXX points lower???? 
I have placed at least a XXXX complaints with them of the last two years for several items that they erroneously report. I am sick and tired of there incompetency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 accounts 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 Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX  XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XXXX  aspirations. As a dedicated and driven XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XXXX  endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XXXX  journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - ( Online disputes ) To EXPERIAN, I demanded validation of unauthorized inquiries, duplicate, inaccurate State tax liens, and an inaccurate and obsolete bankruptcy being reported on my credit report. 

XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN reported that EXPERIAN 's investigation was complete. Two inquiries were " Deleted ''. The duplicate, inaccurate State tax liens and the inaccurate and obsolete bankruptcy were not invesitgated, verified, nor deleted XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN that the duplicate, inaccurate tax liens were " Deleted '' BUT that the inaccurate and obsolete bankruptcy " Remains '' because the furnisher verified the information as accurate. 

XX/XX/XXXX - ( Document # 01 ) Via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting. 

XX/XX/XXXX ( Document # 02 ) Following telephone calls to EXPERIAN, via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting again. 

XX/XX/XXXX- In EXPERIAN Report # XXXX, EXPERIAN asserted that " Each national consumer reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each comany has their own policies and guidelines for disputing information. '' Again,  EXPERIAN neither vaidated nor deleted the inaccurate, obsolete bankruptcy that EXPERIAN claims the furnisher did provide verifiable documentation.
Product: Debt collection

{$710.00} opened XXXX/XXXX/2019. supposedly owed to original creditor XXXX XXXX XXXX. Now debt is sold to Contract Callers INC. I have contacted XXXX  on XX/XX/2019 to validate debt that I have no knowledge of, which I still have not received valid proof of anything with my signature of proof that this debt is mines.
Product: Student loan

There is an issue every time I have to deal with these loans. I am not the borrower, I am the cosigner for the loans. Just today I was told that the loans show paid in full in their system by the first person I talked to and then the second person told me that the information I had just received was incorrect. I have had these issues for years. In total I have paid XXXX toward the loans. The original amount borrowed was XXXX they now say that I owe over 90000.00. There is atleast 1 payment that was never applied to the loans and a bunch of payments that were misapplied. Mainly they just apply the full amount to one loan and nothing to the other loans and continue to charge excessive fees and call to let me know that the payments are delinquent even though they were being automatically withdrawn monthly. Anytime I call to address any problems it takes hours of time and several people that aren't able to handle the problems. In order to be able to identify their processing issues I had to hire and pay an accountant because their records are completely user unfriendly.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Payday loan, title loan, or personal loan

I received an email threatening to sue me over an unpaid pay day loan. They have threatened to take legal action before it is even filed. Refer to the attached document and to comeplaint # XXXX on which it is plainly stated that I was put in the companies do not contact list. They have broken that word to me and to CFPB. Please see attached document.
Product: Debt collection

XXXX XXXX in XXXX performed a XXXX XXXX XXXX on XX/XX/23. I owed {$1500.00} to the hospital and have paid that amount in full via XXXX XXXXXXXX account. However, the hospital has taken several months to process many payments and sent me to collections while payments were pending and while a financial aid application was pending. The collection agency involved is Credit Bureau systems at XXXXXXXX XXXX XXXX  XXXX in XXXX KY. This collection agency contacted me in early XXXX for payment. I responded immediately and told them the situation with the money pending with the hospital and that the amount they were trying to collect was inaccurate. The representative stated they understand and that XXXX payments can take time. I was assured I would not be contacted until XXXX to allow for payment processing. However, I have repeatedly received mail and harrassing phone calls demanding immediate payment.
Product: Credit reporting or other personal consumer reports

I DO NOT AND WILL NOT ACCEPT THE LACK OF EFFORT NOR ACCEPT A RESPONSE OF EXTENSION OF DAYS NOR WILL I ACCEPT A DUPLICATED REQUEST! THIS IS NOT A DUPLICATE! THIS IS FINAL NOTICE TO SEEK LITIGATION FOR PERSONAL DAMAGES INFLICTED UPON MY IIFE WITH HARDSHIPS AND WILL RECOUP ALL THE YEARS OF NEGLECT! YOU HAVE MADE THE MONEY BY SELLING TO COLLECTION AGENCYS! THIS IS 15 DAYS TO RESPOND! NO MORE EXTENSIONS NO MORE TIME. THIS IS FINAL DEAMND TO DELETE ALL COLLECTIONS, LATE payments and all factors that XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 issues 1. LOAN BALANCE : the original loan balance was $ XXXX back in XXXX. In XXXX, we modified the loan, and effectuated new LOAN DOCUMENTS that re set the loan balance to {$2.00} M. We have been making the payments and our loan is now at $ XXXX plus or minus. OCWEN, our servicer, reports : HIGH LIMIT as $ XXXX and the Current Balance ( correctly ) at $ XXXX. However, this implies we are OVER THE CREDIT LIMIT since the new HIGH BALANCE after the loan mod became $ XXXX. They have repeatedly denied our requests to change and correct that. This has hurt our scores since it perpetually shows us as exceeding our credit limit. 

2. Reporting us late when we are not. In XXXX, Ocwen reported us late in XXXX, XXXX and XXXX. In XXXX, XXXX, XXXX and XXXX were reported late. We made each of these payments timely, by wire, and yet they refuse to correct the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
Experian is stating the high credit is {$0.00}. 
XXXX  stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX, NC XXXX Home has been sitting vacant, with no one maintaining it or paying Association assessments.
Product: Credit card or prepaid card

On Monday at XX/XX/21 at XXXX I purchased a Vanilla Visa Gift Card for {$200.00}. There is a {$6.00} Purchase charge so {$200.00} total. I have the card on me and when I call in, I'm informed that I have a balance on the card. I can't use the card. Vanilla has informed me that someone has said that the card should be locked. I don't understand how that is Possible because the card wasn't even open yet. When I called Vanilla to explain all this. They told me that I need to send them a picture of my government ID, a picture of the gift card front and back. As well as a receipt of the purchase. I have all these things. However, they were suppose to email me a portal to send all this information too. My email is XXXX. They haven't sent me anything. There is nothing in my spam account. They keep saying check all mail and spam and nothing comes up.
Product: Credit reporting or other personal consumer reports

Company Name : CONTRACT CALLERS NO ADDRESS NO ACCOUNT NUMBER Amount claim to be owed : {$270.00} I Have no acknowledgment of who this company is nor do I have any information about this company but they flagged my account and indicated that I owe them money and I have never been lent nor have I ever signed any agreement to owe this company such debt. This company is violating my consumer rights and I demand That this negative account get removed
Product: Credit reporting

Both XXXX and Equifax report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.
Product: Credit reporting or other personal consumer reports

I see unauthorized credit hits on my Experian report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from J & L TeamworksXXXX CA dated XXXX XXXX, 2016 indicating I owed {$20.00} to XXXX XXXX. I responded, in writing on XXXX XXXX, indicating there was no balance due, and if they had documentation indicating otherwise, please provide to me. 
They responded on XXXX XXXX with an attached document that did not come from XXXX XXXX, did not have XXXX letterhead, or anything indicating it came from XXXX. I responded, in writing on XXXX XXXX, again asking for legitimate proof of this debt. Additionally, I have the bank records showing the co-payment of {$40.00} was made on the day in question. 
XXXX XXXX, 2016 I received a new letter from J & L, which was a copy of the first letter, indicating to me that they were starting over from the beginning of the process, ignoring my writing rebuttals. I am led to believe this is some sort of scam, perhaps.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX. Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Employers : XXXX XXXX The late payment listed is inaccurate. The creditor failed to accurately report my payment history, and this error violates 15 U.S.C. 1681e ( b ) which requires maximum accuracy in reporting consumer credit information. 

XXXX XXXX  Account Number : XXXX This account has been misreported as late. Payments were made as agreed upon, and this must be corrected. 

XXXX. XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. 

XXXX. XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card

I opened this account back in XX/XX/XXXX and it was paid off and closed on XX/XX/XXXX. The credit report is saying that it was closed on XX/XX/XXXX. Which it was not. The highest balance was at XXXX and it has since been paid. A while ago. Why is this still showing up on my credit file from over 10 years ago?