23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY has been informed of the police report. Fraud and identity theft occurred under my name. They continue to report to credit reporting agencies violating the rules under section 623 FCRA as the data furnisher is legally required to provide 100 % accurate information in order to report any data under anyone name. They haven't provided 100 % accuracy and continue to verify to the credit bureaus a debt that was involved in fraud and identity theft. 


Police report - # XXXX can be retrieved by the furnisher from the XXXX.
Product: Credit card or prepaid card

Citicard debited autopay amounts from an old bank account that was never setup for autopay instead of the one specifically setup for autopay. The amount debited was {$7600.00} resulting in an overdraft of that older account. I never activated the auto-pay feature until after entering a new account that was setup specifically to act as the autopay for credit cards and has plenty of cash to cover. The new account has been auto-debited for about a year without issue and now out of the blue the card debited against the old account which was only ever used for manual payments. This is an unacceptable mistake and has caused serious ramifications and a problem I have to waste time solving.
Product: Mortgage

My mortgage was transfered from XXXX XXXX XXXX effective XX/XX/2015. I did not recieve notification of my account being transfered until 7 days prior to my due date. That is against CFPB guidelines. 
I made my XX/XX/XXXX and XX/XX/XXXX payment online. For whatever reason something happened on there system and the payments did not come out. I have asked to speak to a manager every month since XX/XX/XXXX, I have yet to speak to anyone in management, nor has one called me back. Nobody has tried to assist me, nor have they provided me with my request of the written notes on my account. Every represenative that I have spoken with is rude, they talk over me and always refuse to allow me to speak to managment. I have yet to speak to anyone in managment nor has anyone called me back. I want all my calls to be listened to and I want this to be rectified or I will be seeking Attorney representation.
Product: Vehicle loan or lease

I financed a truck through XXXX. I had a hardship in my family and filed Bankruptcy. The truck was included in the bankruptcy and the payments were made in the plan. This went on over a year. I went back to work and decided to come out of the bankruptcy and pick up my payments with my creditors. Everything is working great except XXXX are stating that I have to pay almost {$9000.00} to keep my truck. They stated to me that they were not paid through my bankruptcy. I have all of my statements from the bankruptcy court showing that they paid XXXX according to the plan each month. Now XXXX are threatening to repossess my truck.
Product: Debt collection

Hello this is in reference to a bill from Lockhart, Morris, montgomery acct # XXXX {$630.00}. This is not my account, I have been reaching out to this company since XXXX and I've never received any response. I have included a copy of my affidavit for record purposes. Im simply asking for a removal of this account.
Product: Credit card or prepaid card

I have 2 credit cards from Citi bank as well as banking accounts for over 30 yrs. It started in XXXX XXXX to current, Citi keeping my credit availability only {$200.00} - {$300.00} every 2-3 months. I am regularly making payments for both credit cards on time, and not using these cards. The very first time they made my credit line lower in XXXX, XXXX ( Citi lowered almost 50 % deduction ), I called their customer service several times. Their answers were always uniformly the same as " Please contact the credit agency ''. I checked 3 credit bureaus, but nothing was found negative. I have other credit cards from XXXX XXXX & XXXX & XXXX, they do not make changes on my credit line, one of them actually sent me a better offer. 
A few months later, Citi lowered my credit line again. I called them, heard the same as before. Another few months passed, Citi did again. They keep my credit line stays only $ XXXX {$300.00} availability. Basically, Citi is saying to not use their credit cards, asking me to close the accounts. This cause my credit score to lower, almost XXXX - XXXX points down because of Citi 's this practice. Citi is intentionally lowering my credit line to make my credit score lower. The more I make payments, the more Citi lowers my credit line to make my credit score lower. It's harassment against an individual who honestly making payment without delay, without using these cards. I have asked many times to transfer my call to their credit department, but they refused to do so. 
During the pandemic between XXXX - XX/XX/XXXX, I received a strange letter 3 times from Citi which is asking me to contact them to clarify the information. I called their phone # on the letter every time I received a letter, but no one doesn't know what it is. I have even asked their manager what going on is. This manager also can not find the reason for the letter I received.

I really want Citi to investigate the internal system what going on is. It may mix with other individuals or by their employee illegally access to Citi customers account, and input faux information. Please investigate Citi 's business practices and employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was analyzing my credit report and noticed some hard inquiries via Equifax and XXXX that I do not recgonize and that I do not authorize. 

Equifax - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXXXXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and my maiden name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

I have attached all of the letters that I have sent to LVNV in response to the derogatory information that was placed on my credit report. I never received a response from the company from any of the letters that I sent out. Then they tried to take me to court in which they closed the case due to identity theft as I stated before, but they have yet to answer for the violations that have been done to me. They have ruined my reputation, my character and my chances in getting approved for credit. 
The information has been removed from my credit report, but I am still dealing with the after effects of the derogatory information that was place on my credit report. They have violated several US codes as listed in the attached letters. 
I have lost job opportunities, the ability to get a student loan to go back to school because of the information that was placed on my credit report. Although it has been removed, I did not gain the points that were taken from my credit score once this information was removed and I am still feeling the after effects of LVNV and Resurgent Capital Services and the information that was on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi. I submitted a complaint awhile back and used a different email. I am unable to access my account to review the status of my complaint # XXXX. 

I am requesting results be emailed to my new email at XXXX. 

Thank you, XXXX XXXX
Product: Mortgage

My payment went up due to my tax bill increasing. That is fine and I am willing to pay what I owe. Gateway additionally raised my payment by {$96.00} due to " shortage '' which is actually not a shortage but a reserve cushion. Although RESPA allows the mortgage company to collect a cushion, it is not a requirement per FHA, XXXX or XXXX so it is up to the mortgage company. I can not afford to give Gateway an additional ~ {$1200.00} this year just to sit in the escrow account and never be put to use. I emailed them and asked them to waive the requirement and they never responded. I left this " shortage '' off of my XXXX 2017 payment and now they are refusing to apply any of the payment until they receive it, threatening me with additional late charges and fees if I do not pay it. They have more than enough to cover the P & I and the stated escrow items, just not the cushion amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated Fri, XX/XX/2020 addressed upon complaining with XXXX and XXXX stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information. 

My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with XXXX XXXX and XXXX XXXX XXXX 

I have a score that's is XXXX or above yet XXXX reports the score at the number ( s ) XXXX. 

My score is XXXX with TransUnion XXXX XXXX respective using the XXXXXXXX XXXX XXXX which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the XXXX denial XXXX ongoing hard even too recognize if understand problem. 

Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information. 

I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing XXXX XXXX XXXX purchase, and I have zero credit blemishes. 

There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by TransUnion and XXXX XXXX is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ). 

I think it's important that a bias does not have the beginnings of certain I'll will with TransUnion. 

I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ). 

I am not illegal or soliciting anything but there is a problems which is zero respect for me from TransUnion and I deserve to have a moderate amount of credit. 

Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect. 

Please help. I need as little as less than {$500.00} from XXXX and will sure is take what I can get. 

If a lawsuit may commence for discriminatory practices please let me know where to begin. 

THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : XXXX XXXX XXXX ) XXXX
Product: Mortgage

Bank of America 's has damaged my home, charged me for services that they did not perform ( mowing grass, removing debris, etc ... ) and added the costs of these services to my mortgage balance. When I contacted Bank of America they told me that they use a third par ty contractor (   XXXX   XXXX   ) a nd that they would fix the problems and that the charges would be credited to me. Nothing was done. Instead, Bank of America 's law firm    XXXX   XXXX   XXXX   XXXX   XXXX   sent m e a letter saying that Bank of America was not responsible. I have proof from that Bank of America or its contractors blatantly lied and that in fact   XXXX   XXXX    caused damage, never mowed my lawn and did not remove debris ; the Police department as well as the Code Enforcement board has records that prove that Bank of America is not truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the Equifax data breach and may have been in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I filed with your agency approximately XXXX months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how TransUnion validated these accounts within the designated XXXX period. 

I am deeply concerned about this process 's prolonged and frustrating nature, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : XXXX XXXX Account # XXXX Date Opened - XX/XX/XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX In addition according to 15 U.S. Code 1681e - Compliance procedures Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Fraudulent hard inquiry on my Transunion Report that took place on XX/XX/XXXX from XXXX XXXX. Customer will not take care of it.
Product: Credit reporting or other personal consumer reports

Experian report currently shows balance on my credit card account. Balance was already paid but this is not reflected and won't be until following month. Credit score ( calculated each month ) was lowered significantly from score previous month due to relatively large balance versus available credit. Lowered score may affect my ability to secure loans, force me to pay higher interest rates, etc.

I pay credit cards off in full each month and have never had to pay interest. The algorithm and timing of credit score calculation doesn't accurately show my credit history.

The Experian algorithm seems to be focused on being an early warning system rather than reflecting my longstanding, highly responsible and accountable credit history. I think this shows Experian needs to rethink their approach and tailor the report to the individual so it accurately reflects credit history and behavior.
Product: Credit card or prepaid card

I have a current Bank of American cc and am working to pay it off. I applied with bank of america for a zero percent cc for a balance transfer. What Bank of America did, was reduce my existing credit line, which then caused my balance owed compared to my credit line available to only have a difference of {$1000.00}. Which then impacts my credit score. They claim I agreed to this disclosure when I applied for the credit card, apparently that is in the same section as not allowing me to sue them either.
I had to call and request that they correct THEIR error and close the recently opened card and transfer back that credit line that they used for the " new '' card, back to my old card. I was required to give them my income-again, even though I provided that to them when I applied for the zero percent cc, not even 2 weeks prior. 

They need to review this practice and correct it-as it impacts consumers credit scores negatively-which then causes interest rates to increase. 

I can not wait to get this credit card paid off and never do business with Bank of America again!!! Their shady and barely ethical business practices need to be investigated & corrected.
Product: Debt collection

This collector continuously calls me I have advised them they have the wrong person middle initial does not match they have called me now for five years was part of a class action lawsuit and they continue to harass me constantly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by Affirm. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of Affirm and XXXX to report 100 % ACCURATELY on my credit report. Affirm has reported false information to XXXX and instead of XXXX doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Alliant Credit Union services.
Product: Mortgage

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made after this
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/year> ( Original Creditor ) in the XXXX XXXX XXXX XXXX on or, and resold on or about DATE. 
Under the laws of the State of XXXX XXXX  ) XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within XXXX  days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available XXXXtate and Federal statutes and UCC Article 9 remedies. 
Sincerely, XXXX
Product: Checking or savings account

I am a senior with a Wells Fargo checking account known as XXXX XXXX. It is no longer offered to new customers but for older customers it offers lifetime free ( no fee ) interest-bearing checking, a free safe deposit box, free money orders, cashier 's checks, and travelers checks. The only condition for maintaining the account is to keep at least {$10000.00} in a Wells Fargo CD. Today I was pitched by a Wells Fargo agent named XXXX ( no last name given ) to change to a different type of CD account with a higher interest rate. I pressed him to explain why I wasn't getting that rate on my existing CD and didn't get a satisfactory answer. Upon further research I discovered that XXXX did not disclose that switching to the higher rate CD account would result in me losing many of the free benefits of my XXXX XXXX account unless I maintained a minimum monthly balance of {$20000.00}. In short, Wells Fargo continues to engage in deceptive banking practices.