23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXXy be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a XXXX form ( Debt Of Cancellation ). Please remove these closed/late accounts : XXXX XXXXXXXX ( Late {$73.00} ), AFFIRM XXXX ( {$360.00} ), XXXX XXXX XXXX XXXX {$3000.00} ), XXXX XXXX XXXX XXXX {$1900.00} ), XXXX XXXX XXXX ( Late ), XXXX XXXX ( {$200.00} XXXX
Product: Debt collection

GC Services ( XXXX ) called me, claimed to be representing XXXX XXXX, and offered to help resolve an overdue account. I do not have ( and have never had ) an XXXX XXXX card. After I hung up with them, I requested my credit reports and verified that no one has opened an XXXX XXXX account in my name. So the only other explanation is that GC Services was trying to scam me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct reasonable re-investigation of disputed information credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( cfpb ). Has recently filed a lawsuit.against XXXX alleging systemic issues failing to forward consumer provider evidence to furnishes accepting unreliable response and failing to adequately notify consumers of dispute outcomes.these align with my experience has neither correct or remove causing ongoing harm to my credit due to me submitted I was victim of Idenity theft of a data breach I am requesting immediate corrective actions to remove the disputes XXXX inactions violates federal laws and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Barclays XXXX XXXX XXXX XXXX XXXX XXXX made a fraudulent application onto my credit I did not make. This has negatively impacted my credit. sent an application XXXX made on XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this letter is dated on XX/XX/year> saying that all or part of the applicants income derives from any public assistance provided the applicant has the capacity to enter into a binding contact because all or part of the applicants income derives from any public assistance program. I have exercised a right under the consumer protection act. It says the fed agency that administers compliance with this law concerning Barclays is the neural of consumer financial protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that the naviest rewards credit card is issued by Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I have all these hard credit check, my name and all these addresses or incorrect on some of these credit check. Furthermore, I do not have or was approved for most of these credit checks that is on my report. and would really appreciate these hard inquires to be removed. I have all these addresses listed that I am not aware of. please look into this situation for me please also I will be filing to removed most of these incorrect collections shortly, Thank you.
Product: Vehicle loan or lease

I am a respected professional in the community and have spent my life building a positive reputation. Nevertheless, I have been informed that you have been maliciously spreading inaccurate and unfounded information that is damaging to my personal and professional character. 

1 ) At the time GM repossessed the XX/XX/XXXX XXXX XXXX, I was not made aware that I was in default. Furthermore, I was not notified that because of the default the XX/XX/XXXX XXXX XXXX was at risk of repossession. These conditions were stipulated in our contract. 

2 ) GM Financial did not notify me prior to selling the XXXX  XXXX XXXX. This is another condition stipulated in the contract and it is also required by State Law : Florida Statute 537.012 ( 3 ) 3 ) GM Financial sold the XXXX XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt.

4 ) GM Financial breached our contract in that they charged me {$100.00} for late charges. Our contract states : Five percent of the part that is late. My payment was {$270.00}. So a late charge would be {$14.00}. GM forced me to pay {$2400.00} over our contractual agreement to not repossess the vehicle. They caused the financial hardship to my family that forced the repossession.

GM breached our contract that stranded me and my family. GM sold the XXXX  XXXX XXXX without notice and far below market value. Now GM Financial is reporting inaccurate information to the credit bureaus to injure me. Under the laws in the State of Florida, it is unlawful for an individual to make deliberate statements that intend to harm a persons reputation without factual evidence or based on hearsay. The defamatory statements include, but are not limited to, the following : the damaging, injurious, slanderous comments, content, and depictions GM has been reporting / publishing to the credit bureaus. 

GM Financial sold the XXXX  XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt. GM Financial fabricated a debt that they have already charged off.

I presume it is their business model. It is similar to a Federal Court case they lost. Apparently GM Financial does this exact same routine on a regular base : They repossess a vehicle then force their customers to pay inflated fees and inflated prices of the vehicle to remove it from their credit report ; at the same time receiving the tax benefit of charging it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX bank with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX is the only one that has removed this account from my credit report, XXXX and Experian have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
Product: Mortgage

On XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX, WA informed me that my mortgage was sold to Loan Care, LLC in XXXX XXXX, VA. I contacted XXXX XXXX to ask about my automatic payments directly from my checking account. They suggested that I wait for a welcome packet from Loan Care before doing anything. On Monday, XX/XX/XXXX I contacted Loan Care and told the person on the phone that I did not receive anything from them by mail. However I did get an email, which I do not find acceptable since emails from unknown parties can not be trusted. I was assured that a packet was being mailed out. I just received a call from Loan Care telling me that my mortgage number was not loaded in their system. I gave this person the loan number from the XX/XX/XXXX letter. I was told it would now take 5-10 business days to receive the welcome packet, which will put the receipt into the week of XX/XX/XXXX since I live on the West Coast and it could take much longer than 5 days. 

Loan Care seems to have some very flawed procedures and their business practices are very questionable. I am wondering if they are a bona fide mortgage lender and would like the CFPB to look into the Company. They certainly have be very concerned about the efficacy of the operation and ability to handle my mortgage. 

Please let me know what you find out.
Product: Checking or savings account

I have received deposits to my chime account and have not been able to access my funds and XXXX weeks later when they told me i can get access again I was charged XXXX  times for the same thing. They said they didnt see the charge but once so I sent in proof and they still denied it and told me that there is nothing they can do
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has updated & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. Account : XXXX XXXX XXXX According to 15 USC 1666b - Timing of payments ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Provide proof that the company sent out a letter stating when the late payment was 21 days prior to the due date of the late payment, if you fail to provide me with documentation the account must be removed immediately due to violating FCRA federally protected laws
Product: Debt collection

Allegedly, I signed a lease online with an apartment complex by the name of XXXX  XXXX XXXX in XXXX, FL. 

IQ Data International placed a collection account on my credit. I contacted the company and was informed that IQ Data International was contracted with XXXX XXXX XXXX. I contacted IQ Data International in XXXX of 2019. I requested the following : 1. A copy of the lease from XXXX XXXX XXXX. 
2. A price breakdown of what I owe XXXX XXXX XXXX. 
3. A letter stating that once paid in full the collection account will be removed from my credit. 

IQ Data International has not produced any of the three. I spoke with a man named XXXX who proceeded to ask me for my address but, claimed that IQ Data International was contracted with the original creditor, XXXX XXXX XXXX. IQ Data International falsely  represented themselves, harassed me, threatened to sue me, and falsely claimed to be contracted with XXXX XXXX XXXX. IQ Data International constantly calls the phone number they have on file to harass me about paying them because I blocked their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted a dispute with the bureaus about a closed XXXX  XXXX XXXX XXXX  that have late payments on them and a repo which is in accurate and unverifiable and even sent them proof that the payments they are reporting late are inaccurate i paid those months they are reporting late and they are also saying i had a repo which is not correct. I disputed with them asking them to submit the method on how this information was verified but they sent me no information. i will attach the letters i sent and also my bank statement from those months they claim i was late. 
XX/XX/XXXX i made a payment of {$350.00} for XXXX payment, XX/XX/XXXX I made a payment of XXXX for XXXX payment and on XX/XX/XXXX i made a payment of XXXX these payments were made on time and taken out of my bank account i don't know why the three bureaus still have that i was late and a repo when i was never late or got my car repo on this account. please help me fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, all three major agencies reported inaccurate information. 

My credit was issued to XXXX XXXX XXXX XXXX, for a XXXX XXXX dollar house which was only sold for XXXX XXXX dollars and was never cleared. 

After 10 years of trying to correct their inaccurate accounts, especially XXXX XXXX XXXX reporting, which now is a ten year old account that state XXXX XXXX was a co signer, on a XXXX XXXX loan, another false fact and still appears after 9 years, only 7 years is kept, unless the law has changed. 

A private investigator told me they refused to issue me a new s.security number, and failed to correct their info. 

I began paying cash only, closed my three credit cards w/ only XXXX dollar credit limits, in XXXX, because they refused to clear the false records, I have had to pay maximum loan interest since XXXX. 

Check my records since XXXX, I built perfect credit for myself, XXXX and XXXX XXXX appeared w/ 20 plus credit cards and a XXXX XXXX house purchase, please check to see if their XXXX XXXX home in XXXX  la, was reported by XXXX XXXX XXXX , and who has continually put their names on my health and car insurance policies also. Their misinformation only caused a legal battle which may ensue if this matter is not cleared and correct within 90 days. 

Possibly a CLASS ACTION LAWSUIT IS NEEDED TO CORRECT THESE ILLEGALLY PRACTICES. 

Recent problem, I applied for a XXXX XXXX auto loan, with XXXX XXXX, just to check up on these agencies, and their illegal practices with my reports. 

They denied my loan based on Equifax reporting NO CREDIT SCORE, Their bureau electronically refuses to give me a credit score, and a inside score, Also refuses to mail me the report as stated by the laws on the credit denial sheet. After 10 years of requesting personally. 

The bank told me twice I was denied because Equifax refused to issue a score, but by company policy they can not write that on a piece of paper. 

ILLEGAL banking and credit bureau laws. 

They sent me a fake denial letter STATING, '' revolving loan '', " Credit bureau information not the reason for refusal '' This is cover up by federal agencies breaking laws and falsely reporting information. 

After 25 years, Three Credit Bureaus have been allowed to ruin my credit ability to survive and Under the 14th Amendment the RIGHT to pursue ... 

Please send me my inside score, credit score and report, with correct information. 
All without having to pay a cent to a bureau who has illegally kept my credit captive for a quarter of a century, documentation proves this has occurred, was never cleared as of XXXX, and accounts still falsely appear beyond the seven year limitation, and no report has been granted, I recently received one from experian, that is how I know XXXX XXXX and other false records still appear. 

Who is responsible for falsely reporting XXXX XXXX AND XXXX XXXX credit information on my SSecurity number after XXXX???
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XXXX XXXX ; concerning XXXX XXXX XXXX Account # XXXX. Status : XXXX XXXX off. I sent Experian copies of the payments that were sent to XXXX. ( The car was totaled and my insurance covered the cost of the loan and Gap insurance made up the reminder of the amount. ) On XX/XX/2018 Experian sent me the dispute results which said that it has been verified. 

On XX/XX/2018 I sent a letter to Experian asking for how they conducted their investigation into my dispute. I specifically asked what was Experian 's methods and procedures for doing this investigation and was this investigation performed independently and not just parroting what the creditor said. 


On XX/XX/2018 Experian sent me an email alert that a dispute was opened up for XXXX XXXX XXXX and the results would be finished around XX/XX/2018. 


I called Experian on XX/XX/2018 at approximately XXXX and was transferred to a dispute specialist name " XXXX XXXX who informed that XXXX XXXX investigate this dispute and notify Experian within 30 days. I said that I was expecting the results in 15 days ; I attempted to explain to XXXX that I sent the letter to Experian and specifically asked for how Experian conducted a reasonable investigation. XXXX said that XXXX would look into my dispute. 


Experian has totally disregarded my request for the method of verification.
Product: Money transfer, virtual currency, or money service

Company gives me the runaround whenever I ask them why I cant deposit funds or send {$500.00} to a friend XXXX, I know how inconvenient it is to have a transaction be canceled unexpectedly. Keeping your Cash App secure is our main priority. We review payment data to help keep Cash App safe. If anything appears out of the ordinary, the payment is canceled. 

Moving forward, we recommend using these best practices when sending a payment : * Only link a personal debit or credit card in your name * Make sure to send or receive payments from people you know or reputable businesses
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint but back to using the standard response computer generated but as usual did nothing to address the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Vehicle loan or lease

BMW Financial Services is currently reporting 4 months of payments 30 days late to each of the credit bureaus, when they were not late. They have confirmed this information for me, but will not update the information correctly. When XXXX, XXXX XXXX and XXXX investigate BMW is not cooperative. My complaint is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

I HAVE CALLED AND MADE SEVERAL ATTEMPTS TO MAKE MY XXXX MORTGAGE PAYMENT SINCE XXXX OVER THE PHONE BY CALLING XXXX WITH LOANCARE MY MORTGAGE SERVICER. I HAVE NO HAD ANY LUCK GETTING ANYONE TO ANSWER MY CALL UNTIL TODAY AT XXXX XXXX AND THE REP I SPOKE WITH INFORMED ME THAT THEY ARE NOT ABLE TO ACCESS ANY ACCOUNT INFORMATION AND NOT ABLE TO ACCEPT MY PAYMENT UNTIL SYSTEM ISSUES ARE RESOLVED.
 
   THE REPRESENTATIVE ALSO ADVISED ME THAT MANAGEMENT HAS NOT DECIDED IF THEY WILL REPORT LATE PAYMENTS AND CHARGE FEES IF THEY ARE NOT ABLE TO RESOLVE THE SYSTEM ISSUES ON TIME FOR XXXX. THE FACT THAT THE REPRESENTATIVE IS UNABLE TO PROVIDE ANY FURTHER INFORMATION MAKE ME WORRY THAT MY PERSONAL  INFORMATION HAS BEEN BREACHED AND HAVE NOT RECEIVED ANY STATEMENT FROM LOANCARE ABOUT WHAT IS HAPPENING IS HIGHLY UNACCEPTABLE. I ALSO ASKED THE REPRESENTATIVE TO PROVIDE ME WITH A CUSTOMER SUPPORT EMAIL ADDRESS TO DOCUMENT MY ATTEMPTS TO MAKE PAYMENT, AND INQUIRE ABOUT WHAT IS HAPPENING. AFTER BEING ON HOLD FOR 8 MINUTES THE REPRESENTATIVE HUNG ON ME AND STILL HAVE NO IDEA WHAT IS GOING ON. 
  I HAVE FILED A COMPLAINT WITH THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING AND HAVE COPIED THIS ON THIS EMAIL WITH EVERY EMAIL ADDRESS I HAVE ON FILE FOR LOANCARE ALONG WITH THE SCREENSHOT FROM MY CELL PHONE DOCUMENTING MY CALL TODAY WITH THE TIME. 
  I WOULD REALLY APPRECIATE SOMEONE REACHING OUT TO ME TO IFNROM ME WHAT IS HAPPENING AND IF MY PERSONAL DATA HAS BEEN COMPROMISED FROM A BREACH AND ALLOW ME TO MAKE MY XXXX  PAYMENT. 

I WILL NOT ACCEPT LOANCARE REPORTING A 30 DAY LATE PAYMENT ON MY CREDIT REPORT WHEN I HAVE ATTEMPTED TO MAKE MY PAYMENT BEFORE THE END OF THE MONTH.

I WILL SEEK LEGAL ACTION IF LOANCARE REPORTS 30 DAY LATE PAYMENT IF THEY ARE NOT ABLE TO ACCEPT MY MONTHLY MORTGAGE PAYMENT, I HAVE ALSO ATTEMPTED TO TRY AND MAKE PAYMENT ONLINE AND THE PAYMENT PORTAL IS DOWN. I DON'T FEEL CONSUMERS SHOULD BE PUNISHED WHEN THEY HAVE NO CONTROL OR RECEIVED ANY COMMUNICATION FROM LOAN CARE ON WHAT IS HAPPENING. 

  PLEASE HAVE SOMEONE REACH OUT TO ME DIRECTLY TO GIVE ME ANSWERS AND ALLOW ME TO MAKE MY PAYMENT. 

I ALSO ASKED IF I WERE TO OVERNIGHT A CHECK TO THE XXXX XXXX  ADDRESS AND IT DOES NOT GET PROCESSED BEFORE THE END OF THE MONTH, WILL MY PAYMENT BE REPORTED LATE? THE REPRESENTATIVE COULD NOT PROVIDE ME WITH AN ANSWER. 

  PLEASE REACH OUT TO ME ASAP, BELOW IS MY NAME, ADDRESS, PHONE NUMBER AND ACCOUNT NUMBER. 

THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX