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

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A formal complaint was sent to Equifax via USPS certified mail on XXXX XXXX, 2015 and was received by its agents on XXXX XXXX, 2015. The following account has been under investigation well beyond the XXXX45 days allotted by the FDCPA. XXXX is the account in question and I request that the erroneous account be removed from my credit profile. ( See : Attachments ) All documentation supporting my claim has already been received by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The debt was paid, I requested that the account be closed to avoid making extra fees. The customer service agent refused to close the account. The balance is incorrect. The creditor has not returned {$100.00} that was that were payments made from my available balance for monthly payments taken for late fees prior to requesting the account closed. The two late payments charged on my account were incorrect, I made payments prior to the due date. I should not have been charged a late fee after closing the account.
Product: Credit card or prepaid card

I opened a credit card with Victoria secrets which is now known as Bread Financial. I've had my card for well over a year. I've made on time payments except for one in the very beginning of having my card. So even though I made all on time payments from the one time the decreased my limit right after I paid my card in full. Made contact was told my credit score wasn't good enough, but I explained doesn't my on time payments count? They told me nope try and ask for an increase after making on time payments. Which made no sense considering I was already doing that and I was penalized for it. Then after that kept my card with the smaller limit figured ok I just stay making on time payments I should be able to ask for an increase. Instead I pay my card off again XX/XX/23 for them to close my account because of score wasn't good enough again. Yet I'm not missing any payments and I make all my payments on time. I feel this is completely injust and not right at all. Something has got to be done about this .my advance stay far away from bread financial they reward loyal customers with decreases and then closing ur account. They cause more problems then good.
Product: Credit card or prepaid card

I closed my Citi credit card ending in XXXX in XXXX, 2023, paying off my complete balance, bringing it to {$0.00}. I requested at this time that my account be closed completely, and was assured that this was done. I did not use that card or account in any way after that point. 

In XXXX I received a payment from Citi in the amount of {$290.00}. I assumed this was the result of overpayment. 

I subsequently received notification that the payment for {$290.00} was an error, and was asked to repay this amount. The payment was the result of another card member making a payment that ended up being credited to my defunct, closed account. 

Here are my concerns : 1. If my account was truly closed, how was it possible that a payment could be credited to it?

2. Why was another card member capable of making a payment to my closed account?

3. Why is this mistakea mistake Citi admitsmy responsibility to resolve?

4. My accountwhich I paid in full and closedis now active again. I did not authorize this.

5. How does the reactivation of this account, the mistaken payment, and now notification that I must repay this amount, affect my credit rating?

6. If I refuse to make this paymentwhich is the result of Citis admitted errorwill I accrue fees or penalties?

Thank you for your attention to this matter, and for any assistance you can provide. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I receive Social Security once a month it went from {$1200.00} to {$1100.00} XXXX hit hardship and now Im two months behind in my carpayment. Just want to see if they can lower my monthly payments from {$460.00} to {$360.00} a Month
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me Ally Financial XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX not authorized by me XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiries not authorized by me
Product: Checking or savings account

XX/XX/XXXX, XXXX social security XXXX using ( 'XXXX  ' ) app. compromised our bank checking account using XXXX to transfer {$850.00} to an unknown recipient. Reported this same day and made police report when realized I had been scammed. XXXX XXXX was name used acting as XXXX  agent. They used Phone # XXXX
Product: Mortgage

My mortgage company, XXXX, will not pay my county taxes from my escrow account. I started receiving delinquent tax bill notifications. I tried to refinance my house is XXXX and it was discovered that the money is sitting in my account and has not been paid since XX/XX/XXXX. I called the company to try to resolve the issue on XX/XX/XXXX and was told that it was being escalated bc my home was being report as unoccupied and they didn't have to tax the taxes. I sold with a XXXX that transferred me to a XXXX ( in XXXX ) that would not do anything to resolve the issue. She told me that they updated my account and taxes would be paid XX/XX/XXXX. On XX/XX/XXXX, I received a new delinquent notice that the bill has not been paid. I call XXXX again and spoke with XXXX that transferred me to XXXX and was told it would be escalated with no reasoning as to why they still have not paid my taxes.
Product: Checking or savings account

On XX/XX/XXXX i came to the realization that multiple transactions were done on my XXXX  account and my coinbase account using my debit card to a total amount of {$3600.00}. These were transactions were not done or authorized by me and when i realized it i promplty called XXXX XXXX XXXX and also called my financial institution Bank of america to dispute the charges. None of the companies were of any help, stating that the transactions seem to have been authorized by me. That's absolutely not true and i have only filed a claim once with bank of america in the 12 years that i have been with them. XXXX  from what i have heard are terrible as far as disputes go. The funds that were transferred to XXXX  were used to buy bitcoin and the crypto was sent somewhere. Same with the funds from coinbase. This has put a huge financial strain on my family since we are now out {$3600.00} and have had no empathy from the financial instution that i am supposedly a preferred member with. All i want is to be refunded the funds that were taken out of my account. It took them over a week to investigate and say that this was apparently authorized by me. This is unacceptable. My family and i need need our funds back asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.
Product: Debt collection

This is a attempt  for two years  to obtain an accounting showing payments made and the current amount due and owing. I filed a complaint number  XXXX  back in  XXXX   XXXX  ; however, you appear to have dropped the ball. Nothing came of this complaint and I did not receive an accounting for  XXXX . Now I am attempting to obtain an accounting for  XXXX  from  Midland Credit Management Inc. I have made repeated requests for this accounting with no response from Midland. I do not u nderstand why this is so difficult to do. Further cfpb appears to have done nothing regarding my prior Complaint What gives?   Again why is this so difficult if  Midland  can not do this they should go out of business.
Product: Money transfer, virtual currency, or money service

My Daughter sent me a payment on Venmo.I went to turn that Venmo payment to my bank account which is suppose to happen in three days.I called Venmo to ask why my transfer didn't go through and the didn't give me a good reason why.It wasn't a very large amount .what I did was cancel my account with them and considered myself lucky it wasn't a sycnificant amount.I heard what was happening at PayPal through investigation and that they are under same umbrella.I filed this to bring further awareness.The amount I loss was XXXX dollars so I just cut my losses and refuse further business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

We have previously contacted Experian concerning inaccurate information that we see is still on my report, I have requested several times that all inaccurate information be removed, XXXX seems to think that they are above the law and can continue in their false reporting activities. 
I have noticed that they are reporting false addresses that are not correct and need to be removed, my REAL address which is XXXX XXXX XXXX XXXX XXXX, TX XXXX everything else along these lines needs to be removed because they are not accurate. 
CFPB please fine XXXX for non compliance should they continue in their non sense reporting.
Product: Debt collection

My car note is paid biweekly, and my last payment was due on last Friday XX/XX/XXXX. I called to notify Brite financial on their customer service number the same day and left a voice mail and that I would be making a payment on Friday XX/XX/XXXX. I have been receiving calls every day at home at work and my cell. This Morning the phone call came at XXXX XXXX. Advising that I was in jeopardy of being in default on my loan for being late ( 5 ) days? I advised the customer service representatives that I spoke with at least once a day. Today it was twice they called, but XXXX XXXX is not ethical or legal. I have a phone log that a call was received by them at this time. I have also attempted to make payment arrangement, to which I was denied because I am ( 6 ) days and they continued to threatened repossession of my vehicle.
Product: Payday loan, title loan, personal loan, or advance loan

I got this credit line through XXXX XXXX XXXXCommenity Bank in XXXX at XXXX XXXX XXXX I was never given a card or card number and didn't receive a bill for quite some time, despite calling the company and requesting a card/bill. Afterward, I received calls from XXXX XXXX and was asked to set up an automatic payment plan over the phone. I agreed. The woman I spoke with said I would pay {$40.00} a month until XXXX and my whole bill would be paid off by XX/XX/XXXX. I said that was great and authorized the payments. After that, each payment would be taken out of my account and everything went swimmingly. However, after XX/XX/XXXX, apparently, somehow there was some additional amount due. I spoke with a woman on the phone a week ago and she said I owed {$27.00}. I explained that I did not, that I had made automated payment arrangements previously over the phone and that the last payment had been completed. She explained that there was still some money due as there were " interest payments. '' I asked for a printout of this information which detailed the interest payments and where those would have come from. I got a bill in the mail today that does not explain where those interest payments came from, but it does state that I owe {$120.00}. I am getting phone calls every few hours from these folks and I will not answer and/or pay anything else until it is explained to me in writing : 1 ) why there are additional payments when I was told that the whole thing would be paid up on XX/XX/2023 ; 2 ) where these additional payments came from and 3 ) why is it suddenly now {$120.00} when I was told {$26.00} last week.
Product: Debt collection

I was charged an XXXX bill for XXXX in which this service was covered by my insurance and was covered in my plan and should not have resulted in a debt. I have been continuously contacted regarding this {$1800.00} bill.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Request for Removal of Debt Due to Unauthorized Contract Changes Dear XXXX XXXX, I am writing to formally dispute the validity of the debt associated with account number XXXX. I believe this debt is invalid due to unauthorized changes made to the original contract without the consent of the co-signer, XXXX XXXX XXXX, as required under the terms of the agreement. 

Upon reviewing the circumstances surrounding this debt, it has come to my attention that modifications were made to the original contract without obtaining the necessary written approval from all parties, including the co-signer. This constitutes a breach of the original agreement and renders the debt unenforceable. 

To support my claim, I request that you provide the following documentation : A copy of the original signed contract. 
Evidence of any amendments or changes made to the contract. 
Proof that all parties, including the co-signer, provided written authorization for these changes. 
If you are unable to provide this documentation, I request that you cease all collection efforts and remove this debt from my credit report. Please confirm in writing that the debt has been resolved and no further action will be taken. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I expect your prompt response to this matter. Failure to address this issue appropriately may result in my seeking legal remedies. 

Thank you for your attention to this matter. I look forward to your response within 30 days of receipt of this letter. Please direct all correspondence to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as well as the number of Auto Inquires. 
The address was incorrect on paperwork. The contract was written on and never emailed the actually contract that was asked for. 
I have all documents and police reports ..... 
This is effecting my 3 Major credit finance companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that is serviced by XXXX XXXX XXXX XXXX, XXXX, Account # XXXX. My payments of {$1200.00} have a grace period of the 15th of the month. I sometimes pay just after the 15th because of my pay period and accept the late fee of {$52.00}. I have always paid within the month and have never paid after the month end ( XXXX, XXXX, or XXXX ). My account is current ( always has been ) and " Paid as Agreed '' status. 

For my XX/XX/2019 payment, I submitted my payment of {$1200.00} ( late fee included ) online on XX/XX/2019. I received a confirmation email ( attached ). It was to be withdrawn from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/2019 the payment had not been deducted from my checking account, so I contacted XXXX, who told me my Loan had been purchased and was being transferred to Chase Home Mortgage. The transfer started on XX/XX/XXXX and I would be able to access my account information on the Chase website starting XX/XX/XXXX. My payment, since it was paid electronically would eventually be withdrawn from my checking account. 

On XX/XX/XXXX, I logged into the Chase website to view my transferred account Account # XXXX and it indicated I was " Past Due '' for my XX/XX/2019 payment. I immediately contacted Chase Home Mortgage Customer Service and explained the situation, she said " Don't worry '' the transfers have a 60 day grace period and you will not be reported late. She opened a case to locate the " Missing Payment. '' I told her I had the email confirmation and it was submitted electronically. She said it will eventually show up. I said when I pay my XX/XX/2019 payment, will they post it to XXXX or XXXX, she said XXXX. I felt somewhat relieved by the 60 day transfer grace period and that, at least, I would not be reported 30 Days Late. 

On XX/XX/XXXX, I received a credit monitoring alert to my phone with a message that " Derogatory '' information on you Mortgage Account has been updated in you credit bureau. I logged in and sure enough, XXXX, XXXX is reporting me 30 Days Late for my XX/XX/2019 payment. I was livid!!! 

I should not be reported 30 Days Late as I was not 30 Days Late, the mortgage transfer has my payment in a black hole somewhere. I should no be penalized with a derogatory mark on my credit bureau for a system issue in the mortgage transfer to Chase. This is very unfair and somewhat of a deceptive practice. Moreover, this is inaccurate record keeping by a financial institution. 

I am requesting this 30 Days Late be removed from all three of the credit bureaus ( XXXX XXXX an XXXX ) and updated to reflect " Paying as Agreed. '' I am beyond frustrated with this situation and the customer service from XXXX, XXXX. 

Any help is appreciated! 
Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX, CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my Social Security number was compromised. My information was used to try to open several credit card accounts. I would like to dispute these hard inquiries and have them removed immediately please. Thank you.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/2022