23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I was sued by XXXXXXXX XXXX. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE A NUMBER OF INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR SIGN FOR. I NEED THESE INQUIRES REMOVED IMMEDIATELY AS IT IS NEGATIVELY IMPACTING MY CREDIT SCORE. 

XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX Department, variety, local, regional, and national chains Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Consumer Loan

I have been having some financial problems and because I have asked to stop all payment withdrawal from what is now my husbands account and Texas Acceptance still continues do it, accumulating over draft fees, I need to dispute it. I have tried to keep in contact, although I realized that I have broken promises to pay, my intention 's is to pay this debt off. But at this time Texas Acceptance is no longer working with me and although I have asked them not withdraw from the original bank account given they still continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was referred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by the XXXX website since they are handling low to moderate-income families who obtain loans with down payment and closing cost assistance. 
XXXX XXXX XXXX # XXXX, who was the assigned consultant reached out and assured me that she will be able to assist me with my needs. 
As a first-time homebuyer, I made it very clear upfront that I only prefer pre-approval using soft inquiry to learn how much I can get qualified for, how much I can afford, and also have a better understanding of the entire process before diving in with the actual buying process. During the pre-approval process, I was trying to avoid any mishaps or headaches correcting something posted on my credit report which will be a hassle to correct. 
According to XXXX, she did a soft inquiry and provided a pre-approval via email, however, she provided a pre-approval letter to the selected real estate agent ( referral by XXXX ) bypassing me. I received the pre-approval from my real estate agent and not XXXX. This kind of threw me off. After my pre-approval, it appears XXXX did not want to deal with me ( not sure why ) In the meantime, I reviewed the pre-approval and nothing details on that letter made any sense. I typed up all my questions and emailed them to XXXX for answers ( XX/XX/XXXX ). When I did not hear back from her, I called her on XX/XX/XXXX. Right before that phone call, I received an email from Experian informing me of a credit inquiry on my report. I did not think of anything at that time. During the call, I repeated each of the questions that I had on the pre-approval for XXXX to answer, and I also asked her if she by any chance might have done a hard inquiry on my credit. Her answer was Yes because I think you are ready. I was shocked, and told XXXX, as per our conversation, that I did not consent/permit her to run a hard inquiry yet since I was still making decisions on whether to move forward yet or to wait a little longer. 
She was upset about the situation, making me feel it was my mistake. She told me she can take the hard inquiry off my report. I circled back to her on XX/XX/XXXX checking to see if she did make that call, and her response was I will initiate the process. I followed up again on XX/XX/XXXX requesting an update, and her response was, XXXX, this is not an overnight process will take a while. I dont get updates.. 
At this point, I do not trust her. I am not even sure she did initiate the process to correct my report. This is the type of situation that I was not looking forward to but yet I am going through it. 
I need some help and support to get this fixed. I have all email responses if I need to show them as proof.
Product: Mortgage

After several communications with Mr Cooper Mortgage  company in XXXX they finally removed the mortgage insurance ( XX/XX/XXXX ) from being collected from my escrow funds. My equity in the home was well above industry averages. 
Within 3 months after verifying by letter that the XXXXXXXX would stop it was added back in. When I complained and filed an internal complaint with Mr Cooper my mortgage was sold to another company without resolution. The new company XXXX mortgage continues to disburse the XXXX  from my escrow funds and this month XXXX, XXXX increased my monthly payment charging double. I have tried to resolve the issues by telephone and in writing to no avail.
Product: Credit reporting or other personal consumer reports

Over the past year I have noticed several charged off accounts on my credit reports that are constantly reporting inaccurtely. THe debts were discharged by the original creditors. Once a debt has been written off by the original creditor, it then becomes TAXABLE Income for me. I have reached out to the three major credit bureaus for months after months. THese bureaus are constantly ignoring my request and at the same time, they continue to report inaccurate information to my credit report. This is a direct violation of my rights under the FCRA. Taxable income should not be reporting on anyone 's credit profile.

The fact that the credit bureaus are constantly saying that the debt has been verified is very strange to me. I don't understand how you are verifying a charge off. Once it was charged off by the original creditor, it is then TAXABLE INCOME for me. Again, TAXABLE income should not be reporting as a debt on a credit profile. THis is a direct violation of my rights under the FCRA.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I C Systems Collections for committing identity theft. On XX/XX/. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given IC SYSTEMS COLLECTIONS yet alone XXXX XXXX. I have never opened any accounts with I C SYSTEMS COLLECTIONS or XXXX XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until I C SYSTEMS or XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and I C SYSTEMS COLLECTIONS continues to report this unauthorized account. I will file for litigation for actual damages caused andI C SYSTEMS COLLECTIONS will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. I C SYSTEMS COLLECTIONS is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I logged into XXXX XXXX and my XXXX   score plummented for unknown reasons. This is after I paid off a credit card. Equifax and their personnel are monitoring my credit reports and not processing my disputes. I had contacted the Georgia attorney general and received a letter regarding a specific person at Equifax.

I am demanding an investigation to why Equifax continues to report erroneous accounts and account data. Particulary from XXXX XXXX XXXX XXXX.

Equifax will be held accountable for their actions. For damages to my Art and reputation.

I am asking the CFPB to forward this compliant and to demand Equifax and their parties to stop abusive and deceptive debt collection and credit reporting per 1681 of the FCRA and FDCPA.

They are using my credit information and are jealous of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) I have not been able to reach Equifax. They are unavailable over the weekends
Product: Mortgage

Existing lender : XXXX XXXX  New lender : Shellpoint Mortgage Servicing My mortgage loan just closing last month XXXX, and first mortgage payment date setup on XX/XX/XXXX. But to my astonishment, on XX/XX/XXXX, my XXXX account was auto-deducted by unknown name, i.e. Shellpoint .My loan just started last month, not even passed XXXX month, but suddenly was deducted XXXX month earlier of my XXXX morgage payment date, and what even shocked me is that it's by a totally stranger. Any consumer will feel worried and totally confused, right? 

Then on today XXXX XXXX2024, with the help of kind advisor XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  , I called Shellpoint Mortgage Servicing to confirm what's the situation. After XXXX minutes online waiting, I am so surprised that their customer service staff has no any infos of my mortgage case, just keep saying sorry and replied the subject loan is still in transtion of loan transfer.This even worsen my worries and doubts.If not transfered completely, how come they know my bank account and just deduct the mortgage payment abruptly? It's totally unlogical and unacceptable. 

Before the call, I am just worried about the situation. But after the call, I am even angrier and feel insulted. Without my prior authorization or notice of lenders transfer, how come they can so arrogant and rude to duduct my bank account directly? Thus let us borrower feel so unsure about my bank savings.So I decide to raise administrative complaints ( to report to your honor bureau CFPB ) and if necessay, to take legal lawsuit step by step etc as follows. 

( 1 ) To give official written mail regarding lender transfer. 

( 2 ) For the arrogant, rude auto-deduction of my bank account, to explain & apologize and reasonable compensations. 

( 3 ) Lawsuit consultation is also under way, but to take ( 2 ) into considerations.
Product: Credit card or prepaid card

XX/XX/XXXX I began a reduced payment plan with Citibank for my cash rewards card. During the reduced payment plan the representative stated that as long as I had the payments deducted on time that would prevent any negative reporting to the reporting agencies and keep my account in good standing. By XXXX XXXXCitibank collections team contacted me stating that I needed to make a payment in order to get my account caught up. I informed them that I was on the reduced payment plan. The collections department informed me that while I was on the reduced payment plan the payments were not bringing my account up to date. In XX/XX/XXXX Citibank agreed to have payments of {$190.00} automatically deducted for XXXX, XXXX and XXXX to bring my account current. XX/XX/XXXX I was notified that my account was closed without any written correspondence. When I inquired with Citibank why my account was closed despite making all payments I was told to apply to have the account opened. I completed the application and Citibank denied my account be re-opened and yet wanted continued payments on the account. Citibank also has been robo-calling my phone to collect on the account which is a direct violation of the Telephone Consumer Protection Act ( TCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Corelogic and requested a copy of a so-call consumer report for his company because they reported to a apartment complex that i applied too, with out my knowledge .. so i requested a Corelogic consumer report.. Never heard of this company. ( It's BAD that these type or companies can buy and sell and report fraudulent, inaccurate and out dated information about people. 

THEY REFUSE TO GIVE ME A COPY OF THIS SO-CALL Corelogic consumer report. 
BUT THEY GAVE THIS INFORMATION ON ME TO ANOTHER COMPANY!!!!!! 

AND THE COMPANY XXXX XXXX XXXX ALSO REFUSE TO GIVE ME A COPY OF MY INFORMATION
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of a fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This account was opened fraudulently in my name without my consent. According to 15 U.S.C. 1681c-2, once a fraud alert or identity theft report is received, the credit bureau should take prompt action. As this fraudulent account is causing significant harm to my credit profile, I request its removal within 4 days, in line with the urgency typically required for such cases.. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
Product: Money transfer, virtual currency, or money service

This guy told me he will sell me an account. He didnt and kept my money. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i called an closed the account they never did and charge monthly {$40.00} i didn't new account was open i called they told me my new amount is {$80.00} ( past due ) they said it was their mistake and credit that amount and close the account then my credit report told me i had 52 points less due to past due account / deliquent i called them, they send me to send a letter to their credit repair still the same
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXXXXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in the process of trying to purchase a house. As an individual who is XXXX, securing a mortgage is difficult. So, XXXX of my goals in this process was to secure down payment assistance through the Ohio XXXX XXXX XXXX who uses US Bank as the loan servicer. Long story short US Bank changed the eligibility criteria by raising the credit score XXXX points. So, many are no longer eligible or will have to delay becoming a homeowner. Naturally this action hurts the consumer client base that down payment assistance is suppose to help. The justification US Bank offered by the action is an increase in delinquencies on FHA loans when credit scores fall below XXXX. So the new consumer is being penalized. From my perspective the solution should be proactive not punitive. And certainly not by punishing the innocent. Raising a credit score by XXXX points can take months, even years since the reporting credit bureaus seem to have this conspiracy to raise scores painfully slow XXXX XXXX points/month ) while simultaneously allowing a score to plunge by XXXX points in one month because of XXXX single action like seeking pre-approval for a home mortgage loan. ( I believe that is known as an inquiry. )
Product: Credit card or prepaid card

CHIME I spent {$16.00} at the gas station today at around XXXX CST ( the same gas station I use 2-3x per week, and the same method of pymt ) and now I have a {$75.00} hold on my Chime account and have no way of recovering my funds. Chime customer service makes you hold the line for almost an hour ( same amount of time when trying to use the chat feature ) just to tell you a memorized statement claiming that they are aware of the issue. There are posts all over the internet and also customers are complaining to chime from their XXXX account and nothing has been accomplished. People are not able to use their Chime cards even with funds showing available. Some can't use the ATM, some are missing deposits, and some are complaining about a large amount of customers ' money being withheld after getting gas. I need my money back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Type : Open Account Account Type - Detail : - Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$150.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} Credit Limit : {$0.00} Past Due : {$150.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.