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

Hello, Thank you for your service. I don't know how to prove that I've paid this loan. 

I took out a {$1500.00} installment loan from Cash Central onXX/XX/2016 and paid it off on XX/XX/2016. They didn't contact me to state otherwise so I thought it was okay. 

However, I now find out that its on my credit report causing my score to drop. I can't pay what they are expecting as it's {$5600.00} with an annual interest rate of 239.29 % as I only make $ XXXX/year as a XXXX. When I call to ask about why they never contact me or how to resolve it, they tell me to pay it or they will prosecute me. I don't know what to do and the account # XXXX XXXX with the company name listed as Cash Central of Wisconsin , LLC XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Phone : XXXX XXXX Any assistance or advice is greatly appreciated. I was in some financial trouble when I took out these loans and have paid {$5000.00} already in interest to Cash Central. 

Thank you, XXXX XXXX
Product: Mortgage

I received a modification and the modification and numerous fees were tacked on, I attempt to work with the company and a third party was sent to my residence to inspect the property with no notice to myself and my family and their agent verbally assaulted my eldest XXXX  child. I filed a police report the company and their agent denied the behavior. They continue to report me to the credit report agencies and damaging my credit.
Product: Mortgage

Mortgage applying process was such a nightmare with citibank as first time home buyers, that costed me my savings, time, energy caused me immense mental and physical stress and at the end we found out that my loan was denied which lead me to lose my dream home. 

I started my new home loan application with XXXX XXXX with Citibank in CT as referred by another realtor. To start with, everything was on the phone because of COVID so i emailed all the pre approval criteria ( all the docs they needed to start my paperwork ). 

On XX/XX/XXXX my conversation started all via emails when i had a pre approval letter with more documentation. 

On XX/XX/XXXX I received my welcome letter after a immense efforts to reach my contact person ( XXXX XXXX ). 

On XX/XX/XXXX a day before our closing on XX/XX/XXXX, we tried to call XXXX XXXX to know whether everything good as planned and that is when I accidentally found out that my loan was denied. 

Earlier Citibank personnel assured that all the paperwork is in place and I had nothing to worry about, so I terminated my lease to my current apartment accordingly to move into this house as planned. We underwent the inspection, appraisal, title ( with our attorney ) which cost us quite a chunk of money. Just before the closing date, I happened to call XXXX and at that phone call he mentioned that I was denied, and at that moment I really felt scammed, ridiculed & humiliated. They cornered me to put more money down to get an approval even though I was upfront with them from the start that this is what I can afford. 

Finally I dont have a home because of Citibanks incompetency, lack of communication, irresponsible people that had no remorse but were just pointing fingers and no denial letter till XX/XX/XXXX for me to present to my attorney or to the listing agent. We would like someone who could help us and look into to this situation, so that no one ever has to go through such an ordeal again.
Product: Checking or savings account

Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX  drawn on a bank that I have never had an account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is messed up because of old payments I just wish my credit was fixed I'm XXXX XXXX XXXX This is invading my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have not been updated on proof of debt. Please remove all negative information off of my account it has been more than 60 days that I 1st reported this issue from. Please remove or I will file for litigation. The information is from advanced collection. Please remove ASAP.
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 719XXXX has me at a score around 590. 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 n i made this clear for 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 XX/XX/XXXX n cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX of this year, I applied online for Conn 's account which was approved. I purchase washer and dryer. I paid cash for a mattress because by the time I went to store, I had to reapply. My credit limit was lower I paid for mattress. I selected washer and dryer from clearance center. I never receive any disclosure about interest. I was told it would be approximated $ XXXX/mo and I would be email receipt. I never receive the receipt but made multiple calls to complain washer did not work and mention I never go the receipt. About 3 weeks later, I made a trip to store and complained about not getting receipt. I was given I stack of papers in which I decided to read when I got home. To my dismay the interest rate was 29 %. and there was some sort of processing fee which was never disclosed. I have disputed this with Conns customer service because for one, my washer is still not working properly and I requested them to pick up the product because financing details were never disclosed. They stated the product would be auctioned and I would be responsible for balance. So here I am seeking justice from company ripping off consumers. To date I have refused to pay any additional money until this is resolve with reasonable interest rate
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints in reference to my federal consumer rights being violated by TransUnion due to their reporting 's on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the mishandling of a debt collection by XXXX XXXX XXXX XXXX XXXX, in relation to an erroneous charge for an XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX through XXXX XXXX. 

On XX/XX/2022, I purchased the XXXX on an installment plan from XXXX XXXX XXXX via XXXX XXXX. However, I returned the device to XXXX XXXX within the 14-day return window on XX/XX/2022, due to dissatisfaction. Despite the return being properly processed by XXXX XXXXXXXX XXXX XXXX XXXX erroneously billed me {$970.00} for the device, which was sold to XXXX XXXX XXXX XXXX XXXX for collection. 

Despite providing evidence of the return, including purchase and return receipts, XXXX XXXX XXXX XXXX XXXX continued its collection efforts and reported the debt to credit bureaus, severely impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law has my account is cancelled. They sent me a letter stating that I could realis with Lexington law. I called the XXXX number and I tried to re in less and they told me that they couldn't do it because I found the CFPV complain. as a consumer I have the right to use the CFPB to fight issues that are in correctly associated with me in my accounts.
Product: Debt collection

The account that Avid Acceptance is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Pleas immediately remove this account on its entirety from my credit file. 

A monthly payment should not exist after a repossession has occurred. 

{$15.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I been trying to resolve this issue with the department of education/nelnet with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.
Product: Credit reporting

EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOWS CHARGED OFF ACCOUNT ( SHOULD BE CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS INCLUDED IN CHPTER XXXX BANKRUPTCY FILED XX/XX/2105
Product: Credit card

Ive called to try to extend my due date on my credit card they would not allow me to due so, Ive also been experiencing problems with to much interest, negative balance on my credit card statement
Product: Debt collection

NOTE : I HAVE BEEN CONTACTED BY MULTIPLE DEBT COLLECTORS CONCERNING THIS SUPPOSED DEBT, BUT THIS IS THE FIRST TIME IVE HEARD OF THESE ASSOCIATES. 

XXXX Received a letter from XXXX XXXX XXXX XXXX, dated XXXX. The envelope has a red CONFIDENTIAL stamp on it. I opened the envelope and saw red flags. Capitalization errors, unprofessional presentation. The letter states that the original account owner is WACHOVIA/WELLS FARGO and that the current balance is {$1200.00}. It states I have continually disregarded this account and that a recommendation to file a lawsuit to collect this debt is being processed, amongst other things that suggest my prompt attention to this matter is recommended lawsuit, judgment, seriously impact your credit profile, submission to XXXX, serious legal matter, and increase the cost of collections.
Product: Debt collection

Debt collectors suing me for credit card accounr past stature of limitations. I had the account in XXXX but I moved to XXXX and thats where i 'm being sued.
Product: Credit reporting or other personal consumer reports

After receiving an alert from my identity theft protection service. IT was verified to me that my personal information has been stolen, and now Im seeing fraudulent accounts on my credit report. This is not my fault, and I need these accounts removed immediately because I have been denied credit because of it.They listed Equifax and one other credit bureau as reasons for the theft.
Product: Debt collection

Somebody opened an apartment lease in my name that I didnt approve. Didnt pay the lease and damaged the apartment with a total of {$33000.00} collections on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated with all of the major credit reporting agencies ( Experian, XXXX, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a XXXX point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.
Product: Credit reporting, credit repair services, or other personal consumer reports

A victim of identities theft fraud regarding 1 account. I have never owned nor applied for a credit card account with XXXX XXXX. This has appeared on my credit report and I launched a police investigation as advised to by the lender to have this removed from my account as it is not mine! I submitted the police case number for the investigation and the i police investigators name of who is handling the case. I attached the information and documented it within the dispute but XXXX  failed to remove this information from my file after disputing it. I dont know what else to do because I also disputed false report its of American Express staying to XXXX that my account was in collections which was not correct when XXXX  checked into that dispute. Both disputes were lumped within the same dispute and nothing was done by XXXX  to remove this erroneous, negative information regardless of what I have substantiated to be incorrect and false!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several documentations of proof that XXXX  is reporting inaccurate information on my credit report. XXXX  refuses to update the information to report correctly.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXX/XX/XXXXXXXX Balance {$4300.00} DEPTEDXX/XX/XXXX Balance {$11000.00} XX/XX/XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Owed : {$94.00} XXXX XXXX Balance {$25000.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Product: Bank account or service

I received a notification from US Bank telling me that there was an address change on my business account and to call them immediately if I did not request an address change. However, when I called US Bank, the customer service representative told me that they had closed my account. She told me that usually they would send a notification, but I never received any notification of them closing down my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - XXXX attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX, a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX  ( XXXX ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( XXXX ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( Factual Data ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Upstart is violating my rights. I have monthly payments with them. Today i get a message that they sold my loan without my permission. See below Current balance : {$8800.00} Dear XXXX XXXX, Your Upstart loan, XXXX, has been sold to XXXX XXXX, XXXX and is no longer being serviced by Upstart XXXX XXXX as of XX/XX/year>. 

Any payments sent before XX/XX/year> will be applied towards the debt balance. Any future scheduled payments to Upstart XXXX XXXX have been cancelled.
Product: Credit reporting or other personal consumer reports

Per, ( 5 U.S. Code 552a ), with respect to Privacy Act of 1974, and The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I, a federally protected consumer has NOT given ANY and ALL of the companies listed below, and identified in my attachments written, unwritten, verbal or nonverbal consent to share ANY or ALL of my nonpublic personal information to ANYONE, including non-affiliated third parties and consumer reporting agencies. Per, ( 15 U.S. Code 6801 ( a ) ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " COLLEGE FOUNDATION '' has severely compromised my privacy and violated The Family Educational Rights and Privacy Act ( FERPA ) along with the Privacy Act of 1974, by reporting my transaction history and sharing my nonpublic information to multiple non-affiliated third parties and consumer reporting agencies without my written, unwritten, verbal or nonverbal consent. " COLLEGE FOUNDATION '' is also in violation of the XXXX XXXX XXXX ( 15 U.S. Code 6802 ) by not proving me with an explanation and a means to " OPT OUT ''. The listed companies in my attached " Statement '' are in violation of The Privacy Act of 1974 per 5 U.S. Code 552a, and The XXXX XXXX XXXX per 15 U.S. Code 6802, and IDENTITY THEFT! and the Fair Credit Reporting Act per 15 U.S. Code 1681! Furthermore, I am exercising my right to " Opt Out '' per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. See attached " Opt Out '' direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have been in the NACA program for 2 years. I have jumped through every loop NACA requested me to. I followed NACA 's instructions to become NACA qualified to obtain a mortgage. I was recently qualified on XX/XX/XXXX in which I signed the qualification form and sent back to NACA. I was advised between my counselor and the HAND department to put a contract on my father 's house, which I did. I was also advised to pay for a home inspection, which I did {$400.00}. I was also told since I was rehabbing the home I would need architectural drawings for appraisal purposes, which I retained an architect and paid a deposit of {$750.00}. When my home inspection was complete, I received an email from NACA HAND Dept that they were now requiring a structural engineer and construction manager ( which is adding to the cost of my out of pocket expenses and mortgage amount ). I tried reaching out to NACA as I didn't understand the scope of the letter and why I need an engineer. I called the HAND Dept and requested a call back a week ago. Nobody ever called back and if your phone call is not returned within 24 hours, they state to call again. So I called everyday. I was told by a Rehab Specialist ( email is attached ) she would reach out to me this past Tuesday, she never did. I called again on Wednesday and I advised I wanted a call back yesterday as I have been waiting over a week and someone kept saying I'd get a call back but they were negligent in returning any calls and/or emails. I finally spoke w a XXXX XXXX, National Director of the HAND department on Wednesday XX/XX/XXXX. I questioned why I needed an engineer and construction manager when it was going to cost more. I was trying to explain to XXXX the whole purpose of the program was to make it affordable and they make it unaffordable requesting for more and more money to be spent. XXXX then said she is the National Director who is the only one who can approve my rehab loan and that she was denying my loan for my attitude. I advised I would file a formal complaint with the OIG and terminated the call. The entire NACA dept as well as myself was then emailed by XXXX stating she is terminating my contract and kicking me out of the program. She stated in the email that I was unwilling to cooperate when I never said I wasn't willing to cooperate. I was trying to find out the logistics of why now I have to hire more people after I've already hired who she told me to.
Product: Credit reporting or other personal consumer reports

I have received repeated emails from companies called XXXX XXXX XXXX XXXX . I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report. 

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.