23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are several concerns I have with XXXX, Transunion and XXXX. 

There is an account from 2014- XXXX XXXX  XXXX XXXX - that has been there since 2014. I've requested for this information to be deleted withing the law, and none have ever removed anything. 

How can this continue to occur?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : 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/year>
Product: Mortgage

Constant late notice letters/phone calls from lender when payment made before XX/XX/XXXX.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.
Product: Debt collection

Nissan motor-acceptance. 

Their system was down for a full week during this week I traded in my XXXX XXXX XXXX. Because they had a system wide error. You were not able to gain access to your account via phone, website or app. Because the dealership was unable to verify payoff of my trade it delayed the payoff from being processed since then my account has reached 10 days past due, Ive received 4-5 calls per day since I hit 8 days past due. Theyre aware that a payoff is coming, Ive repeatedly requested no contact other than email from them. Today alone Ive received 4 calls after requesting a do not contact, Per CFBP max attempt is 3 times per day per number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my XXXXredit & impacting my emotional and physical health.
Product: Credit card or prepaid card

The name on this account is wrong are they sure this is mines?
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXX Bank Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - XXXX days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - XXXX  days late XX/XX/XXXX - XXXX days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On XXXX this account is listed as XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX USA ), Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to CAPITAL ONE and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is XXXX real '' but as of the moment, no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE WERE ALL OBTAINED IN MY NAME BECAUSE SOMEONE STOLE MY IDENTITY 3 YEARS AGO. I HAVE BEEN DEALING WITH AND THE CREDIT REPORTING AGENCIES ARE NOT REMOVING THEM FROM MY REPORT. I HAVE FILED MULTIPLE POLICE REPORTS. PLEASE HELP XXXX/XXXX/XXXX  XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$8300.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$6100.00} INQUIRIES DUE TO IDENTIY THEFT 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX   XX/XX/XXXX 11. XXXX XXXX  XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found late payments on my credit report. I was not late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my debt I owed them to XXXX XXXX XXXX XXXX XXXX is still showing a debt owed to them as well as XXXX XXXX XXXX  showing a debt. Both are reporting on my credit report. So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since XXXX XXXX no longer owns this debt.
Product: Credit card or prepaid card

Somebody stole my identity and tried to open accounts in my name
Product: Credit card

Dear Macys/CBNA : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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! 

XXXXXXXX XXXX XXXX XXXXXXXX - 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: Mortgage

Bank of America provides statements which make it impossible to understand how funds are actually being applied. What the statement says is simply not correct. Not unless you understand the transaction reversals, reasons for unapplied funds, etc. There is no reason it needs to be this complicated. 

Please review the Payment Posted amounts. They do not reflect the actual amount paid. They reflect the amount that is required to pay in full. 

Please see the XXXX statement and the Transaction Activity section. Why are transactions reversed and why is there unapplied funds. 

Please look at the principal paid amount for each statement. The amount for the XXXX statement is not correct. The only way to make it correct is if you can understand their accounting.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. 

XXXX XXXX XXXX  {$12000.00}
Product: Payday loan

I recevied a call on XXXX XXXX, XXXX, stating that i owed on a payday loan from XXXX. The name of the company was High Point Asset. The customer service preson told me that I had an outstanding payday loan balance from XXXX that I did n't pay. I have taken out payday loans in the past, but they were always paid back via my bank account within weeks. The peron advised me that I owed XXXX and that it steams from the original amount of XXXX that I owed on the payday loan as it was purchased by different companies. The person told me that they have tried serveral times to draft this money from my bank account, but they stated that my bank account was closed. Which is true, I closed a bank account in XXXX of XXXX. They told them I have always paid my payday loans back and i have only had payday loans with the company XXXX XXXX XXXX. I do recall apply for a different loan with a different company, but I never completed the application. The person told me that it could be from that application. I did ask for proof of the debt, but was advised that the company tried to contact me via email and that they do n't contact people by regular mail. They also told me if that if i didn ; t accept the debt that they would put me as refusal to pay. I did tell them that I would pay the debt, although I do n't think that I did n't believe that I owed them any money. They wanted to set up a payment plan for me to pay just XXXX of the debt as they would knock off XXXX from it if i entered into a payment program. I did agree, but something didn ; t feel right, so I ended the call. No new banking information was given to them. I contacted my bank to pull my transaction records during this time period for verfication. I was told that if i went court with my bank reocrds it would not hold up in court because the funds could have been given to me in cash. I have never received a payday loan in cash before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX there was a repo for a vehicle i purchased from BMW financial. I have contacted all 3 credit bureaus and alerted them that i have not made a payment to BMW since XX/XX/XXXX.  The 7th year that the vehicle should be removed from my credit is this XX/XX/XXXX. BMW placed my account in collections in XX/XX/XXXX for non payment then made false reports of payments in XX/XX/XXXX to  XX/XX/XXXX and in XX/XX/XXXX they placed it back in collections. They are trying to keep me in collections until XX/XX/XXXX which would be 12 years they would be on my credit report. 

The credit bureaus will not remove it until they say it has been in collections 7 years.. which it has..the economy crashed and i lost everything that year. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and Equifax has violated my rights. 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.
Product: Vehicle loan or lease

I have made this complaint before, I called the Coporate agent back and never got a response in XXXX weeks, I left voice mails and now that they send an email saying there going to repossess my vehicle, when I call the phone number given and hit the prompts and the extension that was left, it keeps hanging up. So, I get online and got on the chat the lady on the chat tells me she can't help me, and I need to call, I told her I constantly call the number and it's hanging up, and she tells me keep trying back. 

I keep trying to speak with someone, I want to get my account straight. I was not able to make the payment and pay XXXX dollars to get the vehicle fixed at the same time. I have proof that the vehicle was in the shop, and I had to pay to get it fixed. I am Making a payment tomorrow, XX/XX/XXXX of XXXX by XXXX XXXX, and I will be making another payment of XXXX by XXXX XXXX on my next pay date that is XXXX the XXXX and I can then Make a XXXX $ Payment On XXXX Second, by XXXX XXXX. I keep trying to reach out to fix this account, but I can not answer during the day until after XXXX when I get off of work. When I call when I get off I get the run around.