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

On XX/XX/2023, XXXX XXXX XXXX wrote me a letter saying that they closed my account due to a correspondence they received stating that I was trying to offset my account by illegal tender. I was given bad information regarding my taxes and the correspondence was NEVER intended to set off or not pay my bill regarding my credit card. I made a payment of {$400.00} to my card ending in XXXX on XX/XX/2023 but could not use my credits on my card because XXXX XXXX XXXX closed my account. I REPEAT, there has been a misunderstanding because I have had these cards for over XXXX years and I have never had a 30 Day Delinquency. This morning I received a notification from my Experian report saying that XXXX XXXX XXXX put a 30 Day delinquency on my account for the card ending in XXXX. They are violating my rights under the Federal Equal Opportunity Act which prevents them from keeping me from using my own line of credit. Also according to 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. In other words they can not be extended use of MY credit and not allow me to use it myself. They are expecting me to pay on a line of credit that they have closed me from using and then damage my consumer report and cause me harm as an adverse recourse. They are NOT ALLOWED to do that. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that : EQUIFAX MORTGAGE SERVI Inquiry date : XX/XX/XXXX, XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I never opened up a XXXX  credit card in XXXX  I was contacted by a debt collection agency with a court order to garnish my wages for this card that I had no idea about. I contacted the agency told them this was not my card and I had no knowledge of it, and was told it would be put under dispute and they would contact me. Which I havent heard anything. I then created a account for identity theft for this card and sent certified letters to the court and the agency stating in words this was not my account and I filed for identity theft. I also asked for proof of my signature and transactions from the agency, which I still have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute  all ftc violations enclosed and listed here
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got an email yesterday from Equifax asking me to enroll in TrustedID XXXX due to the hack into my information. When I tried to enroll, it said that I was enrolled already. When I tried to login it gave me an error message and said to call customer service at the XXXX number. When I called, I got a message saying it is not a working number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 accounts below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I was alarmed to find late payments listed on an account for which I have always paid on time. Consumer reporting agencies have a crucial responsibility to accurately represent consumer information, and it is essential that this information is reported with the highest level of accuracy. Specifically, I have never been late on payments for the account ( XXXX XXXX XXXX ), ACCOUNT # XXXX, which dated XXXX I kindly request a thorough investigation into this matter and ask for documentation that shows these payments were indeed late. If such proof can not be provided, I insist that these payments be updated to reflect the truththat they were made on time. 

Thank you.
Product: Mortgage

Shellpoint Mortgage Servicing have been unwilling to accept facts from the XXXX XXXX Bankruptcy XXXX of Alabama. On XX/XX/XXXX in the response to the CFPB complaint filed XXXX XXXX, XXXX Shellpoint stated the loan was past due for XX/XX/XXXX through XX/XX/XXXX. This information is incorrect and can be proven ( Bankruptcy XXXX denying Motion for relief from stay will be forwarded ) This information shows the debtor cured the debt. Shellpoint chooses not to accept bona fide credible errors of evidence made at the hands of XXXX XXXX XXXX XXXX XXXX XXXX without specific reasons to the borrowers. We disputed portions of the debt due to a ( XXXX ) accident the insurance claim was paid to XXXX. We have requested the names and amount/addresses of every creditor that was said to be owed. We have not received the information as to this date of XX/XX/XXXX.
Product: Debt collection

I get my credit report and it showed XXXX had reported me as late payment. I terminated my services with them on XX/XX/2020. I never received notices of a balanced owed. When I cancelled the csr said my payment and cycle ended in XX/XX/2020. Never received a phone call, text nor an email notification from XXXX nor the collection agency ( credit collection services ). I terminated the services because I moved. They are charging me {$53.00} for the term from XXXX. 
I contacted them and they told me they had refer my file to a collection agency. 
I never received such bill until I requested from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REFUSES to delete a fraudulent XXXX XXXX Credit Account from 2017 that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Experian deleted the collection account associated with this fraudulent account, they refuse to use the same LOGIC and remove the actual account. I have provided direct correspondence from XXXX and XXXX that shows their investigation was concluded and was found in my favor, Experian ignored this and instead refuses to delete!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made XXXX aware of the misleading and inaccurate collection account from XXXX XXXX XXXX alleging a debt in the amounts of {$3800.00} and {$1100.00} they are reporting on my credit report. Ive requested XXXX and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for transunion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. XXXX XXXX has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 usc 1681n
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX Furthermore, I do not have a contract with Zions Debt Holdings. They did not provide me with the original documents I repeatedly requested and harrassed myself and family members for a week straight via phone call. They threatened to sue and would not stop calling until I had to tell them to cease and desist immediately! I have video/audio recording of these calls as proof.
Product: Credit reporting or other personal consumer reports

Without my knowledge, Wells Fargo Bank ( WFB ) increased credit limit from {$17000.00} to {$20000.00}. I contacted WFB representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/24 Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/24 Submitted a written Credit Bureau dispute to WFB XX/XX/24 Submitted Credit Disputes to XXXX, XXXX and XXXX that the credit increase/decrease on my credit report as submitted by WFB were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not WFB. I also submitted Consumer Statements stating that the information reported by WFB was false. All three agencies refuse to correct credit increase/decrease reported falsely by WFB. 
XX/XX/24 Received call from WFB ( XXXX ) that he was advocating for a correction. He was not able to assist me. 
XX/XX/24 Received letter from WFB ( dated XX/XX/24 ) refusing to correct the information submitted to three credit agencies.

I am requesting that WFB reverse their decision and correct information on my three credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Product: Mortgage

My XXXX payment is past due because the hours that I worked in the month of XXXX were decreased due to illness. I received a notification from XXXX credit monitoring services on XX/XX/year> that my Mortgage payoff amount was increased from {$19.00} to {$22.00} How can Select Portfolio Servicing justify increasing the payoff amount by {$2000.00} due to a late payments.I am aware that i will be charged a late fee when I submit my payment but those fees are usually around {$15.00} per late payment.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX has made it impossible for me to negotiate my loan. They insist on me calling them when I have stated on numerous occasions that I work XXXX to XXXX in a XXXX XXXX and travel at least an hour each way to and from work. I have asked if I can supply a copy of my most recent paystubs and a budget which includes the payments being made on other student loans in order to recalculate the monthly loan payment amount. I keep getting told via letter to call an extension but it is a different person each time. Furthermore, I have medical expenses which are ongoing which also impact my disposable income. Every other lender allows me to negotiate by submitting financial information. I also want to know how the payments are calculated, including the penalties and interest. 

I also want to report that Wells Fargo informed me in XX/XX/XXXX and in XX/XX/XXXX that because I was not a US XXXX I needed a co-signer for my student loan. However, on both occasions I was a XXXX XXXX XXXXr which meant I had XXXX XXXX XXXX  status in the US. This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three of the major credit bureaus with a copy of my FTC report and my police report including all of the fraud that was reported on my consumer report they have yet to take action to remove all of the items that are showing on my credit report which is causing me harm by not allowing me to obtain favorable interest rates and credit due to these negative items reporting on my credit report Due to the fair credit reporting act under USC 1681 ABC they have a duty to uphold all fairness and correct information and they have not
Product: Payday loan, title loan, or personal loan

I have a title loan with XXXX XXXX XXXX XXXX XXXX My XXXX payment was late, so they began calling my references. One reference was my father whom was unaware i had a title loan, which i wanted him to be, that i had a title loan. So they called him on XX/XX/XXXX, i then received a text from him saying i paid your title loan off in full because they kept calling me. An employee called him and he asked if i had pawned my tahoe title. if so let him pay it off. the employee stated YES. which was a lie. my title loan was a XXXXXXXX XXXX XXXX that i rarely drive, my main car is my tahoe. The employee asked my father if he thought i'd mind if they gave him my account information, he said surley not, so they proceeded to tell him my due date, late amount and pay off & accepted {$760.00} via cash payment, told him to go to the bank and bring his bank statement where it cleared and they would give him my title! I instantly tried to call them 3+ times, no answer : so i asked a friend of mine to call and let them know to please call me. They instantly answered his phone call, he told them he was calling for me that i needed to speak to them over a transaction on my account, they start telling him to tell me they're sorry, they will void the transaction, they thought i wouldn't care, they hang up and instead of calling me back, they call HiM back and tell him to tell me that i now owe {$760.00}, i have until XX/XX/XXXX to pay in full, or it'll be repoed.They then call my dad back to to tell him they sent his money back and said my " husband '' called angry and demanded a refund. I am in fact single, which they know according to my application, i have no spouse, so they're now trying to say husband as an excuse to again tellling someone my private information!
Product: Credit reporting or other personal consumer reports

The following violations are happening after several requests have been made to correct the inaccurate information. These accounts are reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Please address the following : Who is the furnisher used to verify these accounts? Provide written consent giving permission to report these accounts. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts : 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 I revoke written consent . Any reporting of the following accounts is against my wishes, and I would like to receive {$1000.00} per violation. I would like to exercise my rights to OPT out at this time. Especially since I was not given that right prior to the first day of reporting. I have also attached statements from the data furnishers saying that they have not disclosed any information on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt - Account Number XXXX Dear XXXX, XXXX hope this letter finds you well. I am writing to formally dispute the collection account referenced above currently listed on my credit report. The account was opened with XXXX XXXX and is reported under CONSERVE collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately represent my credit history, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I am requesting the following : Verification that CONSERVE is indeed the legitimate creditor for this account and has the right to collect the debt.

Complete account payoff details, including the payment history, and relevant documentation supporting the validity of this debt.

Confirmation that the debt was properly assigned or sold to CONSERVE, including any and all records that substantiate this claim. 

I must emphasize that, as per the Fair Credit Reporting Act ( FCRA ), you are obligated to provide this information to me within 30 days of receipt of this letter. However, given the nature of this dispute, I kindly request that you expedite the review process and complete your investigation within 10 days. If validation can not be provided, I request that you remove this account from my consumer report, as unpaid debts that can not be verified are not compliant with FCRA guidelines. 

To facilitate a prompt investigation, I request that you respond to this letter at your earliest convenience, preferably via email. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from equifax, XXXX, and XXXX  that Equifax was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and 3rd party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, equifax, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent Equifax multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via usps certified postal mail on XX/XX/2022. Equifax has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that Equifax no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my Equifax credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand Equifax stop violating the FCRA and the FDCPA.
Product: Consumer Loan

Before I took out a payday/installment loan with Cash Central, I specifically asked the telephone representative about credit report reporting. The rep told me reporting only happens in case of default. I never defaulted yet this has been reported to the credit bureaus and is hurting my credit for having this type of loan. CC sent me the loan agreement which reads : " '' CREDIT REPORTING : We MAY report your performance ... to credit reporting agencies ... You specifically acknowledge and agree that we may disclose any DEFAULT by you under this agreement ... to credit reporting agencies. '' Yes, I agreed that they could report to DEFAULT. I never defaulted so nothing should have ever been reported. I want all Cash Central entries removed from all of my credit reports. I was lied to by the telephone rep and the signed agreement clearly only says reporting will happen in case of default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A 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 credit score 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three 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 .This 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 60days n 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.