23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I was put as the primary account holder on the bill for our XXXX  & XXXX  in XXXX of 2020. At the time, it was the height of the pandemic, and I was very low on funds. So were my housemates, who were also contributors towards the XXXX XXXX XXXX bill for our home. As a result, we were unable to pay our XXXX XXXX  XXXX bill for the duration of our stay. I did make some payments, however, and did my best to stay on top of it. Sadly the bill continued to increase despite my best efforts, which were limited greatly by the pandemic. I am contacting the bureau with this complaint as more of an appeal to XXXX XXXX  XXXX to consider any other possible means of collecting payment for the debt owed, perhaps through a pandemic relief package, or of that nature, that would resolve this debt and remove it from my credit report. The debt is by far the largest I owe, and is preventing me greatly from achieving my financial goals at this time, years later. It would be deeply appreciated if there was a way to resolve this debt with XXXX XXXX XXXX and XXXX and with I C System Collections. I will do whatever is suggested to achieve this end, and any information is appreciated.
Product: Credit card or prepaid card

Disputed {$53.00} on my Costo Citi Visa. Citi shows " credit applied '' on dispute page, but no credit was applied to my card. Contacted Citi via their website 's " chat '' feautre. Someone named " XXXX '' was reportedly connected but did not respond after almost ten or fifteen minutes of no responses to my attempts at communication, I gave up and filed this complaint. This complaint is as much about the dispute as it is about the inability to contact a human at Citi.
Product: Debt collection

This a collection with National Credit Systems for a debt that is not correct in amount. I disputed this amount with XXXX and XXXX in XX/XX/XXXX, and twice in XXXX of XXXX. I requested physical proof, not just invoices or being told the amount is owed, copies that {$4500.00} is owed. Hard evidence. Each time disputed, these bureaus are saying the debt is valid with no research. I cant get in touch with National Credit Systems through any method of communication. I have sent email messages as well. The company knows there is no hard evidence or proof of this debt so they are avoiding and keeping it on my credit report.
Product: Mortgage

I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD XXXX Balance : - ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX this same Creditor filed on my credit report it is a medical collections that came from a Collector 's office. So i disputed it with XXXX and XXXX and they took it off my Credit Report. Now it's showing the same Collector reporting but for a different amount. Last year, XXXX and XXXX deleted it of my credit report and now this time i disputed them, because i have no knowledge of who these people are and i requested a breakdown of any fees with my wet signature i did not receive anything, it only took a couple of days for the Bureau to say it was my account. I also wrote the Collector of any unlawful fees and who they are. I still haven't received anything. The name of the Entity is Nationwide Recovery Systems. I do not recall giving anyone permission to any provider or so called XXXX XXXX XXXXXXXX to release any of my medical information about me. This is a HIPPAA law. After this was added to my credit report it dropped my score, from which i have been working so hard towards. Also today XX/XX/XXXX another unknown source is claiming i owe them {$390.00} and XXXX allowed it on my credit report, i had to dispute, after it was already put on my credit report. This is causing me a financial hardship everytime, i have to go to the post office to send a certified letter dispute that's almost {$5.00} each time for each Credit Bureau and collector. Also, i am taking care of my adult son who has XXXX and with this frustration on top of it, makes it very stressful for me. I can't afford to be giving my hard earned monies to just anyone who asks for it and puts it on my credit report. This makes life very difficult. It makes it very hard to gain access to anything from applying for a home or to gain access to credit.This is not right for us consumers.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am extremely concerned about several unauthorized hard inquiries on my Equifax credit report. I did not authorize these inquiries, and they violate my rights under the Fair Credit Reporting Act ( FCRA ). 

These inquiries are harming my credit score and putting my financial stability at risk. Below are the inquiries in question : XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and should not appear on my report. They are causing real and lasting damage to my creditworthiness. 


This is a pressing issue. My credit and financial opportunities are suffering because of these unlawful inquiries. I expect swift and decisive action to address this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to buy a home. I checked my credit I have 80 unauthorized inquiries. I have sent three request letters since XXXX of 2023 and all inquiries are still appearing with no resolution.
Product: Credit reporting or other personal consumer reports

Complaint Summary : On XX/XX/year>, I obtained my credit report from Equifax, which contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. Equifax is unlawfully reporting charged-off accounts with an active past-due balance, violating 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and Metro 2 guidelines. 

Equifax failed to ensure maximum possible accuracy and is reporting misleading data, unfairly damaging my credit profile. 

FCRA and Metro 2 Violations in My Credit Report : 1. Charge-Offs with an Active Past-Due Balance ( FCRA & Metro 2 Violation ) Equifax is improperly reporting charged-off accounts with a past-due balance, which is not compliant with Metro 2 reporting standards. 
FCRA Violation 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure " maximum possible accuracy. '' A charged-off account should not have a past-due balance, as the creditor has already written it off.

Metro 2 Violation : According to the CDIA Metro 2 guidelines, a charged-off account must be reported with a {$0.00} past due balance. 
2. Failure to Investigate and Correct Inaccurate Data ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed these inaccuracies, but Equifax failed to delete the false reporting within 30 days, violating the FCRA. 
FCRA Violation 15 U.S.C. 1681s-2 ( b ) : Equifax is required to reinvestigate and correct inaccurate or unverifiable information but has failed to do so. 
CFPBs Recent Enforcement Action Against Equifax shows Equifax 's pattern of failing to conduct proper dispute investigations and violating consumer rights. 
3. Improper Reporting Practices Impacting My Creditworthiness By reporting both a charge-off and an ongoing past-due balance, Equifax is misrepresenting my financial status and artificially inflating the negative impact on my credit score. 
This is considered double jeopardy reporting, misleading creditors and violating fair lending practices.
Product: Credit reporting or other personal consumer reports

Lexisnexis consistently causes emotional damage to me as a consumer. Not only is LexisNexis erroneously reporting an alleged bankruptcy on my consumer disclosure theyre very inconsistent with facts of their business investigation. Not only have I called LexisNexis after submitting my dispute, I have uploaded the documents requested through their consumer portal. I called on XXXX XXXX and authenticated myself 3/4 times with LexisNexis representatives and was told I didnt need to send any documents in to authenticate myself because they had already authenticated me over the phone. I then uploaded the documents they requested through the online portal which I have attached to this complaint. LexisNexis continues to prove that their investigation of my dispute is incomplete and unverifiable because their efforts to be thorough are unreliable. If LexisNexis cant verify myself as the consumer then how they verifying information that allegedly belongs inside my consumer file? Lastly, I have a right to privacy and I didnt give written permission to LexisNexis to furnish the inaccurate, unverifiable and incomplete information theyre reporting. There are inaccurate names, addresses, phone numbers and public records being reported that dont belong to me and I am forced to engage in arbitration and legal actions against the company.
Product: Vehicle loan or lease

TD auto finance repo my car without and the put account and collection and they are charging me insane amount. This account its hurting my life because they are charging a lot of money and every month they keep raising the amount from {$5000.00} to {$10000.00} I feel they are taking advantage
Product: Credit reporting or other personal consumer reports

I disputed a collection account on my credit report and XXXX removed the account due to incorrect information. However, Experian and XXXX have refused, twice, to not remove the account, stating that the creditor disagrees with my dispute. The account was not opened in XX/XX/XXXX, but in XX/XX/XXXX when the first official delinquency was reported. Therefore, this account is not XXXX XXXX XXXX, but actually XXXX XXXX XXXX and Experian and XXXX refuses to correct this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we entered a forberance plan with Guarenteed Rate. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" Guarenteed Rate '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance.

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.

I've contacted guarenteed rate over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Chase Bank, XXXX, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with Chase Bank , XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations.

The crux of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately.

I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue.
Product: Credit card

This interest rate was very VERY high. They did not want to help me fix it at all. {$110.00} of interest is too much. It has been this way since I've gotten the credit card
Product: Mortgage

This is a continuation with my compliant ID XXXX. Loan Depot paid off my Loan with XXXX XXXX by XXXX. They are complaining to me that XXXX did not return that payment to Loan Depot. Now they are involving me in this process telling me to tell XXXX to return the payment or they will file a suite to put me back on the mortgage with them. I contacted XXXX today and was told that they was not contacted about this problem. They did say that they would not return the funds.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}
Product: Checking or savings account

TD Bank does n't allow external applications to access checking account, apps like XXXX pay, XXXX pay, XXXX XXXX XXXXXXXX, unless I visit a branch. Unfortunately I am a long haul truck driver and while on the road I do n't have the ability to visit the branch as readily available as others do, so I am prevented by the bank from accessing viable alternative payment methods that can enable me to save money on fees.
Product: Credit reporting or other personal consumer reports

By checking my credit report I have found a fraudulent account from XXXX XXXX XXXXXXXX with the account number XXXX opened on XX/XX/year>, this account is fraudulent please remove it from my credit report as soon as possible.
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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Checking or savings account

On XX/XX/year> I contributed to a friend 's upcoming wedding celebration by contributing to their honeymoon travel fund. As soon as I made this donation, I have been slapped on the hand by JPMC with weird claims that this is a cash advance. This is not an alternative to XXXX, a casino, or anything else that would qualify as a cash advance. No credible explanations have been forthcoming.
Product: Debt collection

ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.