23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a credit card with Navy Federal application and was denied unfairly
Product: Vehicle loan or lease

I purchased a vehicle from company back in XXXX, over five years ago. I owed {$4500.00} on the vehicle, unfortunately due to financial hardships the car was reposed the car was placed to be reauctioned, I requested to pay the amount owed. Lobel told me I cant and I need to pay the amount due. a year later, I contacted lobel again to see if I can pay a lump some payment to remove account in negative balance, again lobel told me no. the car was then resold auction and no documentation was ever provided upon my request. I requested to pay the difference at the time, lobel told me no once again. lobel did not want to come to agreement regarding account. lobel then proceed to report to my credit companies inaccurate and false amount owed on account stating i owed {$9400.00}, which is incorrect. lobel financial had a class action lawsuit against them for the fraudulent reporting 's and accounts. somehow they still want to report to credit company and keep harassing me via family members
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to accurate reporting and right to privacy and confidentiality under 15 U.S.C. 1681. This section states I have the right to privacy. Furthermore, Section 604 A Section 2 of the same statute states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information that antedates the report by more than seven years. Additionally, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date, as stated in 15 U.S.C. 1681s-2 ( A ) ( 1 ). Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) also states that 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.

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I made an agreed payment arrangement made with Netcredit. Since the agreement, payments have been made on time, but is being reported as delinquent as if no payments are being made. I've contacted Netcredit several times about issue, but nothing is being done. I'm trying to purchase a house and this one thing with this company is hindering me. I've also filed several disputes about this matter, but nothing has changed. I need them to report to the credit bureaus, XXXX and XXXX that payments are being made and are being made on time.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I took out a title loan for {$8000.00}, not fully understanding the terms of the agreement. My monthly payment is {$280.00}, which I initially thought would help me gradually pay off the balance. However, I later discovered that the {$280.00} payment only covers the interest, with none of it reducing the principal amount. As a result, no matter how many payments I make, the loan balance remains the same. This has created a financial trap I cant escape, as Im unable to afford paying off the loan in full. Being in a difficult financial position, I feel stuck with no clear way out of this predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows XXXX XXXX  as a charge off or collection with a balance of {$4800.00}. This is a violation of the Fdcpa.
Product: Mortgage

XXXX sold my loan to NewRez, effective XX/XX/2020. I received a letter in the mail ( that I did not get until XX/XX/2020 ) dated XX/XX/2020 stating that effective XX/XX/2020 the servicing of my mortgage loan ( collecting payments, paying taxes and insurance, etc ) transfers from XXXX to NewRez. In the meantime, I had made my XXXX payment to XXXX .... Ironically after I left a message with customer service at NewRez, my mortgage payment was refunded to my bank account ( on XX/XX/2020, making my XXXX payment over 30 days late ). 

Today, XX/XX/2020 I have attempted to reach NewRez twice - once at XXXX, where I was on hold for 6 minutes until I elected to request a call back. I left all of my information on the voicemail and have yet to hear back. At XXXX, I called back. This time, I was on hold for 31 minutes, never to speak to a anyone. I eventually called back and was able to make a payment by phone, but it is still late. Make matters worse ... .I 'm in the middle of trying to refi!! I have never had a late payment and this will be my first. I can not get a hold of a human to discuss/request assistance to get it resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I took this loan out 3 years ago and i paid more than what i originally borrowed. This company is very predatorial and unprofessional. I truly am a man of honor and intended to pay off every cent.However this companies lack of professionalism and harrassment has really streesed me out mentally, emotionally and took a toll on my health physically. You keep getting different people on calls that you already explained yourself to. They take money out of your account on days that you told them not to. They give you bad information and un true about what they are reporting to your credit bureau about you. After you set up arrangements with them on certain dates, they dont honor it and they keep withdrawing money before and after that date agreed upon which puts you in more debt with different establishments and bills you owe.They harrass you with calls back to back. They also violate alot of privacy and collection Laws. Horrible experience and wouldnt advice anybody to borrow from them at all.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting

I am not sure who the credit reporting company is that have the wrong address information. I never resided at XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please update my personal information to reflect this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> National Credit Adjusters XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I would like to clarify that I have already paid this account through a different collection agency prior to your acquisition of the debt. As such, I am requesting that National Credit Adjusters ( NCA ) provide me with the following : 1. A copy of the written purchase agreement or assignment of the account that shows the transfer of ownership from the original creditor or the previous collection agency to NCA.

2. Proof of the amount of debt NCA claims I owe, including an itemized accounting of all payments and charges made on the account. 
XXXX. Any documentation that confirms NCAs legal right to collect on this account. 
Please be advised that I dispute the validity of this debt, as it was previously paid in full. I request that all collection activity cease until you can provide the necessary documentation showing that NCA legally owns this account and that there is an outstanding balance. 
Additionally, I request that you update any credit reporting agencies and remove this account from my credit report if you are unable to provide proof of ownership and debt validity. 
Thank you for your attention to this matter. I look forward to your prompt response. Please contact me via the CFPB portal for further communication. 
Sincerely, XXXX XXXX -- - This version addresses the fact that you already paid the debt, disputes the validity of the current collection efforts, and requests proper documentation of the accounts ownership and balance. Let me know if you'd like to make any changes!
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX XXXX XXXX XXXX XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

When I signed in to view my charges Citi notified me of no statements sent to me, and that I needed a code number to view my account. I call the number that was on the pageant after XXXX calls I still have no answer and can '' t sign on to my card.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute certain unauthorized hard inquiries that appear on my credit report maintained by Equifax. I have reviewed my credit report dated XX/XX/XXXX, and noticed that several inquiries were made without my authorization. 
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 According to the Fair Credit Reporting Act ( FCRA ), no company can make a hard inquiry on my credit report without my explicit consent or a legitimate business need. I believe these inquiries were made without my authority, and I am requesting that they be investigated and removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''
Product: Mortgage

My FHA Mortgage forbearance expired XX/XX/2021. I contacted my mortgage servicing company Community Loan Servicing LLC to find out next steps i.e. what option is best for me going forward. They told me that because I had arrears prior to the mortgage forbearance that I did not qualify for the various FHA Mortgage Covid-19 options which would best help me. 
The only options they presented were ; 1. Pay the lump sum of all mortgage arrears this includes the portion currently being paid in bankruptcy 2. A hardship modification which they have denied in the past. My financial circumstances are worse now due to my lay-off during the pandemic. Their past denial of a mortgage modification is why I went into bankruptcy to prevent a foreclosure. Now Community Loan Serving is also saying that they will likely deny any new hardship modification again and start foreclosure procedures again. During the mortgage forbearance period payments were made by the Bankruptcy Trustee to the mortgage loan. As a result of these payment by the trustee the actual arrears portion of my mortgage loan has gone down. I dont know how this effects the current actions of Community Loan Servicing. They have refused to accept a normal mortgage payments from me at this time. 
Based on my conversation with Community Loan Servicing they said my only options are the 2 noted above. This is not what I was told when I requested the mortgage forbearance. The mortgage forbearance has made my situation worse instead of better because I was given inaccurate and incomplete information by Community Loan Servicing. They are using the mortgage forbearance to force people into foreclosure instead to helping home owners stay in their homes. At no time when I requested a COVID-19 forbearance was I told that Community Loan Servicing could refuse to do any of the options offered by the FHA.

In reviewing the Community Loan Servicing LLC website they never mentioned that persons who currently have arrears can not take advantage of various FHA assistance options due to Covid-19.

Below are 2 FHA websites and at no point does the FHA on its website mention that persons already in arrears can not take advantage of other FHA payment options at the end of the mortgage forbearance period. 

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

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXX, XXXX, and equifax credit report. XXXX XXXX XXXX, Inquiry dateXXXX. 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 XXXXXXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX 2013
Product: Credit reporting

After running my report for Experian at XXXX on Saturday XXXX XXXX 2016 on line the site went down causing me to loose the report before I evan had a chance to look at it. Can you please mail it to me at my home address, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX " OR '' Preferably, give me the ability to go back it to pull the same one up again so I can view and and if needed file any disputes, Please help me, Thanks, XXXX XXXX
Product: Checking or savings account

I was a victim of identity theft. I went to USbank and told them and showed them that I had filed an FTC complaint. They froze. my account but me in collection for the residual even though the people that deposited the checks were the fraudulent people that wrote them!
Product: Credit card

American Express Denied my extension of credit. Federal Law prohibits a consumer to be denied credit under any capacity under the Equal Credit Opportunity Act. I am giving American Express the opportunity to act in honor and give them an opportunity to Cure. 

Ref # XXXX Ref # XXXX Ref # XXXX IF you refuse the opportunity to cure, I will proceed with litigation, and I will pursue Criminal Charges for Securities Fraud , and civil Liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : Experian : XXXX XXXX Balance {$0.00} XXXX/XXXX XXXX Balance {$400.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} XXXX : XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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 XXXX Account # XXXX PXXXX  XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 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.