23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied loan to " Upstart.com '' and i was denied, and the reason i was denied according to Upstart was, " They are unable to verify my ability to repay the loan base on XXXX XXXX XXXX, The Disclosure to use my information that they obtained from an outside source which is from the consumer reporting agency as part of the considaration of my application. '' My question is how come the reporting agency disclosed wrong information to the Upstart.com that i dont have ability to repay? On my file in credit Bureau i have a late payment record for 3-4 months on my XXXX Credit card because that was COVID 19 but after 5 months i fully paid my XXXX credit card. I didnt owe even {$10.00} to any bank or company in the whole world. And why the Consumer reporting agency disclosed wrong to all company when they verify my credit, that i dont have ability to pay., that's why I never approved. And now i know the reason i always denied everytime i applied credit card or loans that because the consumer reporting agency disclosed wrong info, and that is against the Law. 
I always thinking why, how come i am denied, i dont know whats the reason. All my friends was always approved even they have negative report worse than my credit report. Pls investigate and remove it in my file the negative hidden words " I dont have ability to repay '' thats why i always denied on any loan application, they hide from me and they report it to any bank and company that check my credit files Please help me why they do it to me. Please investagate why? Its not fair, i am suffering. Im so sad, they abuse me. Why, i am not a bad person, never ever commit any crime in my whole life. Never ever went to the court even ticket problem. Please help me.
Product: Debt collection

I DO NOT RECOGNIZE THIS DEBT. I REACHED OUT TO COMPANY AND NOT HEARD BACK IN OVER 30 DAYS. THEY HAVE NOT PROVIDED ANY DOCUMENTS WITH MY SIGNATURE SHOWING THAT I OWE THIS DEBT. I DO NOT RECOGNIZE THIS ACCOUNT. PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three reporting agencies XXXX, Equifax, XXXX XXXX are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. XXXX  and Transunion are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

IQData Inc. constantly calls me. They also call my family/friends MULTIPLE times and harass them, telling them to deliver a message to me.

They also use deceptive language to attempt to get me to pay for debt that I do not owe. I am still under dispute of the said debt with the landlord. 

They also will not provide evidence of why they believe that I owe any debt.
Product: Credit card or prepaid card

purchaser sofa, very uncomfortable, like to ex for other comfortable sofa as per federal law on purchase with cr card
Product: Checking or savings account

USAA incorrectly charged me an NSF fee when I had funds in my account. I called and spoke to XXXX. I stated I never made the payment on Tuesday and on Wednesday I received an NSF fee. She says the payment was ran on Monday but I have the receipt from my payment on Tuesday.
Product: Checking or savings account

My account was frozen by the bank. When I called, they wouldn't give me a reason for the freeze or give me any timeline to when it would be resolved. There was no way to reach anyone who had any answers.
Product: Debt collection

As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ).

Your legal authority to collect this information. 
Your legal authority to collect the alleged debt. 
Your authorization to operate in my state. 
Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$550.00} XXXX  XXXX {$7000.00} XXXX   XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Checking or savings account

Bank of America refuses to assist me in any way to look up a transaction that XXXX alleges that they deposited to my Bank of America card ending in XXXX on XXXX. 
Bank of America refused to look up the transaction ID XXXX, that XXXX claim they refunded in the amount of {$65.00} to that same debit card. 
I informed Bank of America that XXXX insists that the payment went through successfully and was not rejected or sent back. 
Bank of America refuses to assist me in any way to look up the transaction ID or the Funds.
Product: Student loan

I wanted to remove my co-signer after 10 years of on-time payments. AES said the only way to do that was to re-finance. So I did. The new bank sent the payoff amount which was credited to my AES account on XX/XX/XXXX and resulted in a credit of approximately 57 dollars. I contacted AES to ask when the refund would be processed and to whom ( to me or to the bank who refinanced the loan ). They told me that in 5-7 business days the refund would be given back to the entity that made the payment. After the specified time had passed, they had still not processed the refund. So I contacted them again on XX/XX/XXXX only to be told that the process takes 30 days. When I mentioned the previous chat, the customer service representative had told me I remembered the details wrong, and straight up LIED to me about the what I was initially told. I asked for a copy of the original chat transcript for proof of what I was told and she said I would receive it in 5-7 business days. Holding on to an over payment for 30 days when the loan amount has been paid in full is unacceptable. 5-7 is  understandable as you may want to ensure that the payoff check has cleared but at this point, the new bank is charging me interest on that overpayment amount, so the check has most definitely cleared.
Product: Credit reporting or other personal consumer reports

Credit dropped XXXX  points on XXXX XXXX, cant find out  Y, they keep saying thats a combination of different info but Cant get Actual proof. They keep me going around in Circles. The XXXX XXXX XXXX XXXX XXXX cant give a Straight answer either. I really Need Help ! ! !        Thanx
Product: Debt collection

Account was disputed. Tried to dispute through credit breaus and through company itself
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Experian, XXXX, and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

my mortgage was transferred over to SLS back in XX/XX/2016 I was previously with XXXX I never received information from SLS until I notify them however every time I 'm trying to call them I can never get an answer and I would like for someone to call me. I have actually stayed on the whole for 30 minutes without reaching an operator.
Product: Debt collection

On XX/XX/2017 see the attached letter was sent to this company with a check stating that endorsement of this check constitutes payment in full and deletion of account immediately. Check cleared my account on XX/XX/2017. ( see attached document ). I am requesting this be removed immediately from my credit profile or legal action will be taken. Please ref to # XXXX CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint myself to you today requesting that the Credit Bureaus remove the fraudulent items I found on my Credit report. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX C XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$950.00} XXXX XXXX CO XXXX Balance Owed : {$490.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an {$800.00} credit limit with this company. I paid {$650.00} on XX/XX/2021. It states my balance remaining on my credit is {$190.00}. But I have a negative ( {$55.00} credit limit ) this needs to be updated. It makes no sense and you can not get through to anyone to complain and get this addressed. Also every time I make a payment there is no confirmation of payment. So there are always issue with this company.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX XXXX at the bankruptcy lift and she advised me that they do not report bankruptcies. They sent me a letter to verify this Information, XXXX XXXX and XXXX XXXXXXXX houses this information and have to Remove it immediately. The XXXX  years has elapsed
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Vehicle loan or lease

I was in a 3 year lease with GM Financial and my last lease payment was XX/XX/year>. I've never been late, or missed a payment. Regularly checking my credit report, I noticed GM Financial flagged my account with a 30 day late payment, dropping my score XXXX points! I reached out to GM Financial and they made me send bank statements to verify that I paid. I never heard anything else from that point on and my score never went back up. With my lease being in the last month, the dealership advised me to fix a few scratches before handing it in. The auto repair shop was directly next door to the dealership and when the vehicle was fixed, I drove to the dealership to turn it in. Upon arriving to the dealership employees and customers were all packing up and walking out. The manager locked the doors and said they were locking everything up because of XXXX. ALL dealerships and businesses were shutdown. In phase 3, after keeping the car for an additional 3 months, I was finally able to turn it in. GM Financial was now trying to charge me late fees, amongst other fees. I tried to speak with management and was given the run around.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )
Product: Bank account or service

Bank of America has instituted a " maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now " paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now " owe '' Bank of America {$12.00}. This is ridiculous. Bank of America doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX XXXX XXXX of XXXX with Account Number : # XXXX I do not have a contract with XXXX XXXX XXXX  NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Product: Mortgage

According to Carrington Mortgage Company , the assistance program that is put into place due to COVID-19 and covered under the CARES ACT to protect homeowners in need during this critical time : Carrington stated that during the forbearance period for all loans that customers would not be required to make a regular monthly payment, would not assess any late fees or other fees, and the current credit reporting status would remain the same every month during the forbearance plan. Before the pandemic, we never missed a payment and had no late or any other fees attached to our loan. Our credit report has been seriously damaged due to the negative credit reporting by Carrington. We are currently still in the forbearance due to Covid and the winter storm in Texas. Our credit report shows an increase of ( {$1600.00} XX/XX/XXXX ), ( {$4900.00} XXXX XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$2500.00} XX/XX/XXXX ) ( {$1600.00} XX/XX/XXXX ), and ( {$1600.00} XX/XX/XXXX ). I have made several phone calls to Carrington and have sent several letters via fax. This company has continued to ignore my request to correct and remove these added-on fees.
Product: Checking or savings account

My debit card was charged {$1600.00} on XX/XX/2023. I am currently banking with Chase as they are not helping that much to resolve the issue. They have denied my claim and when I called him to get iy reopen I was instructed to submit evidence that what I was claiming was true. My claim is that my phone and wallet got stolen. I did not authorize this charge for {$1600.00}. They are claiming that they denied it because I have charges that posted after the date that my card was stolen, as well as someone being someone having my card pin. I have been getting the runaround through many of their associates claiming they did not receive the documents. I had them fax twice from my personal bankers. I have XXXX. They were stating that they did not receive the fax or emails that we have sent and my bankers also stated that they have proof that they did receive the paperwork because they receive Successful submission emails from the company. They are telling me to go through the merchant, which is XXXX and XXXX has told me to go through the bank. Like I stated above, I feel as if I am getting the runaround, and I am not pleased. The paperwork they want to receive was to prove that I had to get a replacement phone and to show that the charges that were posted after my phone was stolen actually charge days before. I have submitted these documents and they are still denied my claim. They are saying I cant even go to a police to get a result. All I want is my money back. {$1600.00} is a lot of money to take a loss on and I am not pleased.
Product: Debt collection

Today XX/XX/XXXX the Collection Agency known as Thunderbird Collection Specialists, CRS XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ phone XXXX XXXX XXXX called me in a very loud and abusive tone of voice demanding in payment of debt TCS filed in XXXX in my Credit Report. The debt originated from the Landlord failing to comply with the apartment amenities as per Leasing agreement. Several complaints were filed against this Landlord and are found on line. 

I told TCS CRS XXXX that TCS have filed the debt in my Credit Report on that year of XXXX mailing all correspondence to my address. Therefore, CRS decision to demand immediate payment calling me is ILLEGAL and constitutes a desire to harass me at my home.
Product: Debt collection

I have tried contacting this company multiple times to let them know that I was a victim of identity theft. I am a woman and apparently a man with my social rented a apartment with my social somewhere in the XXXX XXXX XXXX area. I even tried contacting the apartments personally to let them know that I was the victim of identity theft. I have provided proof that I was a victim of identity theft. And they still refuse to take this off my credit. I have provided my driver 's license with my address that I have lived at for over 7 years and clearly showing that I am a woman and not a man.