23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : 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 recently requested to get a credit increase with XXXX XXXX and they sent me a letter saying I was denied. Equifax Information Services reported my credit score being XXXX which is incorrect. at the time that I asked for the increase for XXXX  XXXX my credit score was and is now a XXXX with Equifax. This has caused me great injury and time.
Product: Mortgage

My company struggle due to the Covid-19 pandemic. I am unable to pay my mortgage over the next few months. My representative XXXX spoke with XXXX, she advice that email the letter to request it and manager will get back to me. I email her and XXXX request for Forbearance on XX/XX/2020, XXXX email back the Forbearance Agreement on XX/XX/2020, later on they kept email Late Notice, but because they approved for the Forbearance so I trust them and did not know that they trick me and lied to me and start foreclosure my property without warning me. On XX/XX/2020 I received the Notice Of Default. My representative XXXX  talk to XXXX and she said that they have to file it to protect them self they do not care about the EXECUTIVE ORDER XXXX or COVID-19 State Foreclosure Moratoriums and Stays. Please help me to stop them illegal foreclosure on my property and please report them to the government to stop their wrongdoings to consumers. They try to do all this on purpose to make me lose my house and put me into Foreclosure. The bank violated the EXECUTIVE ORDER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer  contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft report. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the Fedloan Servicing and the XXXX the issue was not resolved.
Product: Debt collection

XXXX it was XXXX something how can a collection account amount change or grow I is incorrect needs too be removed Ive sent several request too investigate but keep saying its accurate how if the price changes on a collocations on XX/XX/2020 a collection amount shouldnt change
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a debt validation letter to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me. The collection agency has engaged in false and misleading practice violating FDCPA code 807 and not providing documentation violating FDCPA code 809 ( a ). I have reached out on multiple occasions and their customer service reps have been rude and nasty about this process.
Product: Mortgage

Fact 1. Chapter.XXXX program, XX/XX/XXXX. Paid in full XX/XX/XXXX. 
2. XXXX in additional charges with no explication, XXXX. Repeated requests. 
3. XXXX XXXX XXXX XXXX XXXX said it was a mistake when they changed invoice styles and they had allot of errors to fix. That was XXXX. 
4. Since then I have not gotten a straight answer or response. 
5. I send a form letter with my payment every month, requesting a response. 
6. I currently send my payment priority mail, because they occasionally loose my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything  XXXX   XXXX   has removed this because they were n't able to verify any information. There is a copy of  my 1st co mplaint listed below.               whom i t may con cern, I mailed several letters of dispute las t one b eing certified on  XXXX   XXXX   XXXX  in regards how   XXXX   XXXX   is reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 s ays late and being over  100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it  comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that  any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of  XXXX  ( a ) (  4 ). Under section 611 ( 5 ) ( A   ) of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a security freeze and my report from NCTUE and have yet to receive what I have requested. I do not agree.
Product: Credit reporting or other personal consumer reports

I sent all credit agency bureaus letters to remove incorrect personal information that is inaccurate and hurting my credit.
Product: Consumer Loan

Chrysler capital finance company whom I have a new XXXX dodge Journey financed with and was bought at XXXX dodge dealership in XXXX Tx calls me monthly before my payment is due, using foul language saying that I am two payments behind and demanding their money. I got a recent e-mail from Chrysler capital finance Demanding back payments for a XXXX Dodge Ram 1500 Quad cab pickup that Was paid off in full six months ago and again using foul XXXX letter words and threats. They have cussed my wife and have done so with my self. I am going to call them and tell them that due to their actions that I am NOT going to take their abuse any longer and that they are to pick up the car because I do not want to deal with their abuse and unethical practices any more. I know that it will wreck my credit and that I will have lost as far as my down payment & the gap insurance of {$700.00} that I purchased also but I have had it with them. The Dodge Journey was purchased new, I have XXXX miles on it is all. I have sense talked to other Chrysler capital Finance customers who have said that they too are treated in the same horrible manner and further, that no matter what a credit rating is that they finance, whether or not the buyer can pay for they finance the vehicles and charge extreme finance rates.
Product: Vehicle loan or lease

I received an auto loan with Nissan motor Acceptance in XXXX and the vehicle was repossessed in XXXX. I had submitted a payment for the full amount that was past due a few days before the incident using a payment service named XXXX. In the state of Texas you arent supposed to be charge a fee for making an auto payment however they charged me almost {$10.00} for each payment via phone payment with NMAC. The easiest and cheapest way was just to pay through XXXX, however there was a 2 day lag. Nissan received the payment and it was posted to the account. The following day they repossessed my vehicle. I had thought it was stolen since I had paid via XXXX XXXX. Getting someone at Nissan to investigate was like pulling teeth. Finally I had an manager literally tell me that it is " NOT THEIR JOB TO LOOK AT ACCOUNTS DAILY. '' I now work in the auto servicing arena and know that if I was current at the date the repossession was done they have to return the unit. I requested a copy of all the transactions via email and they stated that it would take at least 3wks to get and my car would have been sold at auction by then. This letter was called a 901 letter which would have probably been automatically generated. I then tried to get my stuff from the car and they stated I would have to pay a fee. I have pearl earrings, pearl necklace, my passport, ( which is federal property ) leather boots, and other valuables. XXXX XXXX XXXX XXXX was the place where I tried to schedule an appointment but I would have to pay storage fees and a pick up item fee in order to get my stuff. My dad finally decided to get my car. By this time it had been moved to the auction. I was unaware they had moved it there or taken my stuff. We finally redeemed the vehicle. As soon as I found out that my stuff was no longer in the car I called XXXX XXXX XXXX XXXX and they said my stuff had already been disposed of. We paid over XXXX to get the car and they never gave me my stuff back. On top off all this for years they carried a XXXX dollar balance reporting that I never paid them in full which damaged my credit. I knew what they did was wrong and illegal! I read the class action lawsuit that was made in XXXX! I could not believe it was verbatim what I went through with Nissan and at the same time. SHAME ON YOU NISSAN!
Product: Debt collection

I have contacted MIDLAND CREDIT MANAGEMENT AS WELL AS XXXX XXXX XXXX AND INFORMED THEM THAT I AM NOT RESPONSIBLE OF THIS DEBT, I HAVE BEEN A VICTIM OF IDENYTITY THEFT, I HAVE NO KNOWLEDGE THAT SOMEONE OPEN UP THESE ACCOUNTS IN MY NAME, THEY NEED TO REMOVE THESE ACCOUNTS FROM MY CONSUMER REPORTS IMMEDIATELY ITS AFFECTING THE ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for XXXX? I have never had an account with XXXX for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period Midland Credit remove all negative reporting from my credit file and such deletion letter will be provided to me. Reporting unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that Midland Credit remove this account immediately.
Product: Debt collection

I, consumer XXXX XXXX send XXXX XXXX XXXX a cease and desist letter on XX/XX/2021 via certified mail with return receipt with the following tracking number XXXX. The letter was sent to Credit Collection Services to stop the actual infringement of my intellectual property rights and federally protected rights pursuant to FDCPA. The letter also stated my remedies and demanding that the activity stop. I entered into a consumer credit transaction with XXXX XXXX. XXXX sent a statement to Credit Collection Services, a XXXX XXXX debt collector, a collection agency, to illegally collect an alleged debt. I consumer XXXX XXXX did not enter into a contract with Credit Collection Services, therefore I do not owe this alleged debt. On XX/XX/2021, when Credit Collection Services contacted me without my permission, I demanded they send me a debt validation letter pursuant to 15USC1692g ( a ). Credit Collection Services failed to send a letter pursuant to 15USC1692g ( a ), thus preventing me from being able to exercise my rights to validate this alleged debt. They instead sent me a last statement and a letter with abusive language.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00}
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. XXXX  Account # XXXX has violated my rights.XXXX  Account # XXXX has violated my rights. Convergent Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Checking or savings account

There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 

Thank you XXXX XXXX
Product: Checking or savings account

Chase randomly closed my account after my payroll check was deposited along with me sending a friend {$50.00} for a birthday event we are attending this weekend. I called the bank because the notification sent to me stated that there was some unusual activity and for me to contact the bank to unlock my account. When I called instead of unlocking my account they advised me that my account was closed and they no longer want to do business with me. I did not have anything unusual on my account besides my payroll check from a new job. Now chase is telling me that they did not see my direct deposit after sitting on the phone, they admitted the deposit was there. I went to the branch and was advised they couldnt release. The fraud operator on the phone at the time told me it was up to the bank to release my funds. However, the branch said that was not true. At this point I really want my funds and Im happy to end the banking relationship because this bank is awful to just close my account for no reason at all. Now I have to go through the trouble of finding a new bank and changing my direct deposit. Please help me to recover my money.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACCOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMACION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURARY. I HAVE NEVER BEEN LATE ON PAYMENT FOR THE ACCOUNT : XXXX XXXX XXXXXXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENTS WERE LATE, IF PROOF CAN NOT BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATE TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. THANKS.
Product: Credit reporting or other personal consumer reports

I disputed with experian on the XXXX XXXX XXXX XXXX account # XXXX on XXXX 
This account is reporting late payments on a charge off account. I requested this account remove lates or removed from my credit report. The creditor or the bureaus failed to honor my request.this account is reporting a balance on a charge off account. This account is reporting multiple FCRA violations
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert email from XXXX XXXX that there was a hard inquiry on my credit file. I reviewed all of my credit files across the major bureaus and saw that the hard inquiry was with Equifax, related to " XXXXXXXX XXXX XXXX XXXX XXXX/equifax ''. I called XXXXXXXX XXXX general help line, and spoke to a representative who determined that there was a fraudulent attempt to apply for a XXXX XXXX credit card under my SSN. They removed/denied the card application, but the hard inquiry related to this card application remains on my credit report with Equifax. I even filed a dispute with Equifax directly and they have told me they can not remove unless I have a report or outcome from the FTC and/or CFPB.
Product: Credit card or prepaid card

During the last XXXX months four credit line has been drecrese from store using the same bank synchrony bank without sending explanation and base on unacurate or questionable information my credit history is being damaged by the action of the creditors using the same bank ; I don't have any red-light on my credit history to sustain their actions for example 2 of those creditors reduce ny credit less than {$50.00} dollars but that decision reduce my credit more than 50 point resulting on a domino effect that the others 2 from the same bank reduce my line of credit too reducing my credit score almost 100 point I the last 6 month ; this is only happening with synchrony bank my other creditors has not take any action like that ; now my credit history look like I have high balance but is just the result of reducing my line of credit to the balance of the account ; I suspect that descriminary practices is being done by synchrony bank system because there is not explanation of why reducing {$35.00} dollars in to an account with 10 years never missing payments on autopayment ; I have all my payments on autopayment to avoid missing payments ; even the loan officer of my car dealership told why your credit score is so low if you never missed payments ; my last car lease when up becouse the arbitrary action done by synchrony bank ; I found reports that this bank has history of discriminary practices and I found lawsuits that match my same situation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found a 30 day late on my Chase credit card. I called Chase and they stated the information was correct without clear explanation. I asked for proof and I sent proof of payment being NOT late. I received no repose or call back. I continued to check my credit and saw that they were still reporting the 30 day late. I disputed through XXXX and Chase never responded with proof of late ( they just said information is correct ). I am asking for Chase to provide me proof in writing of my ( proposed ) late ; otherwise ... without the proof, the information is incorrect and needs to be adjusted accordingly to report correctly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ompany is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, and 15 USC 1666b-timing of payments Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXXXXXX XXXX # XXXX  XX/XX/XXXX -- {$1500.00} XXXX  XXXX XXXX # XXXX  XX/XX/XXXX -- {$2100.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00}