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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXXXXXX Balance Owed : {$9300.00}
Product: Debt collection

I am XXXX XXXX XXXX, my credit card company ( XXXX XXXX XXXX ) was purchashed buy a new company ( XXXX ). After the purchase my account was closed due to my credit score and my interest rate raised by the new company. I never entered into an agreement with the new company under their terms. 
Increasing Interest Rates Without Proper Notice : If the credit card company increases interest rates without providing proper notice as outlined in the agreement, it may constitute a breach. 
Improper Account Handling : If the credit card company incorrectly reports your payment history to credit bureaus, fails to post your payments correctly, or charges you incorrect fees, these could be considered breaches of the agreement. 
Misrepresentation : If a credit card company provides false or misleading information, such as promising certain benefits or terms that are not delivered, it could be considered a breach.
Product: Vehicle loan or lease

My XXXX  XXXX XXXX XXXX was repossessed by Capital One Finance. I was not notified of the sale of the vehicle I was only sent information after the sale and what amount was received. I reviewed the code of VA regarding repossession and the rules were not followed. I received no notice about the auction time date or place. I advised Capital One of these facts they have had no response. My vehicle was illegally taken the regulations were not followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX  XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.
Product: Credit card

I've consistently ensured payments are on time for this account, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Mortgage

Shellpoint stated in CFPB Complaint # XXXX, that company would be sending statements and that company would send information on getting XXXX for XXXX year. This reply from company was dated XX/XX/year>. 
I still do not have any statements nor does my attorney from the date of this complain to current. I am asking that Shellpoint response be considered as a written contract/letter of intent/written agreement, with me that this company has disregarded and not honored.
Product: Debt collection

For the last XXXX or XXXX months in a daily basis I get phone calls from XXXX XXXX from many different phone numbers. Some times I get as many as 3-4 calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??
Product: Debt collection

continue to get phone calls as well as credit dropping from impacts of various charges on my account. unsure why im being charged when i have a XXXX card, i recieve XXXX and XXXX. there are XXXX charge from them on my credit as of now
Product: Bank account or service

I opened a Citigold interest checking account on XXXX XXXX 2016 after getting an offer via email to receive XXXX AAdvantage miles after fulfilling certain terms. I also saw the same offer at the Citigold website at the time so I knew the offer was legit. I fulfilled all their terms by XXXX XXXX, 2016 and I inquired via secured message on when I can expect my reward to post. I got a reply from XXXX XXXX XXXX that I qualify for the promotional offer and have also fulfilled the terms and conditions and will just have to wait until XX/XX/XXXX for my rewards to post. I sent a follow up secure message on XX/XX/XXXX and received reply on XXXX XXXX from XXXX XXXX that I will not get my reward even if I fulfilled the requirements unless I can show proof that I was targeted to get the promotional offer. I called immediately, talked to representative XXXX, and told him about the message I got from XXXX XXXX that made me confident about getting my reward. I did n't bother to save the email offer because of the assurance I received from XXXX XXXX. I had the impression that she verified that I was indeed on their target list of clients since I have Citi credit cards. The message XXXX XXXX XXXX gave me was very disappointing to say the least. I do n't know if I can trust whatever the representatives tell me in matters like this.
Product: Debt collection

I sent in the XXXX  equipment almost a month ago but they haven't removed it from my account neither will they tell me if they received when i have proof the equipment was sent from XXXX  XXXX i paid for the next day shipping. the company in incredibly hard to get to and even harder to talk to some one. when i call im hung up on or no one knows how to help. this is not fair i do not owe them anything and they still have debt on the credit report which is false information. below i sent the pdf copy lable with the tracking number as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my Equifax report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

it appears that my credit report has accounts that do not belong to me. I have submitted my Submitted my DL and SS # to the agency.
Product: Debt collection

Oliphant USA LLC This company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on or about XXXX. As of today I have not received any response from Equifax and although I did receive a response from XXXX and TXXXX, they did not resolve the fraudulent issues on my credit report. 
Equifax completely failed to respond in a timely manner to my dispute requests, whereas XXXX and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.
Product: Debt collection

I started receiving calls from Radius Global Solutions, and when I picked up, they told me I owed a debt. When I asked for what they told me for a XXXX XXXX past due debt of {$300.00}. I told them I would look into it, and they kept saying if I hung up, they would call the police, and I would go to jail. I hung up and called XXXX XXXX and they told me I did not owe anything. 

The company kept calling me and I asked for proof but they did not provide anything. I told them to stop the call then I saw on my credit report that I owed money. I asked them why and how to get this off my credit report and they told me to pay. I asked why do I have to pay them for a debt I did not owe. I even have proof that I do not owe anything, and they told me to pay. The collection is still on my account.
Product: Mortgage

Currently in a forbearance with my mortgage company and I was looking for a way to extend my repayment options .... possibly 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter disputing multiple inquiries to All credit reporting agencies including XXXX. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on XX/XX/XXXX. They again resent a letter explaining what a inquiry is. They have failed to respond to two requests now to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.
I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
Product: Checking or savings account

AS OF OTDAY XX/XX/2020 CHIME CLOSED MY ACCOUNT WITHUT ANY NOTICE OR REASON AS TO WHY. I HAVE OVER XXXX IN MY SAVIGS ACCOUNT AND I WAS SUPPOSED TO ALSO RECIEVE MY DIRECT DEPOSIT TODAY WHEN I LOG IN AND CALL IT STATES MY ACCOUNT WA CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX XXXX..It says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6  times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.
Product: Mortgage

I have had a mortgage loan with Chase since XXXX and my payments have never been late and has not been an escrow account. 
Chase converted the mortgage account into a escrow account sometime in XX/XX/XXXX without my permission. Chase is now reporting delinquent payments for my Chase mortgage loan of XXXX XXXX, XXXX and XXXX. XXXX. 
Chase misappropriated my principal and interest payment to fund this escrow account without my permission. 
I have enclosed proof of my personal payment for both property taxes and insurance. 

We have also disputed with the credit agencies and have attached those documents
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX   XXXX/XXXX  Account # XXXX CONTACT INFORMATION XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
Product: Mortgage

In XX/XX/2021 I became unemployed due to illness. I requested forbearance for 6 months until either SS XXXX could come through or I could work out another way of resuming payments. 

My daughter and son in law moved in with me, and they were agreeing in helping me make the mortgage payment, so I called XX/XX/XXXXand requested that my forbearance be lifted so I could resume making payments. I requested they add my unpaid payments to the back of my loan. They told me this was not an option and I had to come up with the lump sum in order to resume payments. I did not know they did not offer this option, and it was not explained to me at the time I requested forbearance. 

I had to obtain a personal signature loan to pay the lump sum back to XX/XX/XXXX Now I pay {$400.00} more a month in mortgage payment if the payment for this personal loan is added. 

With the cost of inflation, gas, and my medical bills, even with my daughter and her husband 's help I am afraid we will be falling behind again in my mortgage. What are our options, I do not want us all to end up homeless...
Product: Debt collection

I received a voicemail from an unknown person claiming to be from " XXXX '' and attempting to deliver to me legal documents. I called the number back and requested that my number be removed from their list. They claimed they did not have a list and they worked with an attorney 's office. They asked me to verify my personal information and then told me they were suing me for a debt that I don't have any knowledge of, on behalf of an institution I had not had a relationship with in 16 years. The representative then told me " don't miss your court date '' and hung up. 

I believe a false claim to file a suit or to file a suit in bad faith to try to collect an account known to be beyond the statute of limitations ( if it was ever valid at all ) would be a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax in regards this unknown inquiries in my report and they suggested to contact each of those individual companies to fix the issue, the problem is since I did not made those hard inquiries, I can not get a hold of anyone. Below are the inquiries that I did not authorize. 

- 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