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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX 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, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

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

U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information according to 15 U.S.C 1681 XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Equifax is reporting XX/XX/XXXX XXXX
Product: Debt collection

I got a text message from American Location Specialists claiming that a formal complaint was filed on me. They claimed I owed a debt and I set up {$130.00} every two weeks payments with them but now that Im doing research it's obvious this company isn't legit. They claimed the debt was already on my credit report but it is not. Ive submitted a copy of the text message they sent me along with the email informing them to not take out any payments.
Product: Debt collection

Account number XXXX and Name XXXX XXXX does not belong to me. I asked for verification of debt to be sent out i me and still didnt receive anything back. Refusing to remove off my credit by saying verified and accurate but no proof has been giving
Product: Money transfers

Paid this XXXX for assistance to help with business credit and she never provided the service that was included in her invoice. She received my money and then stop responding to all calls, emails and text messages from me. I found out later that she is a fraud and uses fake ID and names so people will not find her. She also makes fake XXXX and a list of other fraudulent things. The number she uses is XXXX ; email addresses : XXXX & XXXX ; business address:XXXX , NV XXXX ; company name : XXXX or XXXX ; home address : XXXX , NV XXXX and Other names : XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to your agency again in regards to a previous case # XXXX-XXXX. XXXX advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, XXXX failed to report accurate payment information. On my Experian credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did XXXX lie and state they closed my account at their own request but they have not reported my payment history for Experian and XXXX   reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.
Product: Student loan

In XX/XX/XXXX I refinanced my student loan debt with Navient ; at first the total payment each month was reasonable. However, after updating my account ~ 6 months after my loan closed to add direct debit, they increased my interest rate. At the time, I was very young and despite multiple calls to refute the increase citing that the only thing that changed was adding a direct debit which was, in fact, a bonus for them, they refused to change the rate. Now, ~10 years later, after actively reading up on on predatory practices performed by these vendors I realize I was a victim. My goal in reporting this complaint is simple - I want the original rate honored and the over payment Navient has received in error to be applied to my account. I am lucky enough to be able to pay for my loans each month ; I am disputing that. However, I grew up in extreme poverty and loan debt was the only way for me to achieve my college dreams. I had no financial support and no guidance and was taken advantage of by this company. Now as an adult, I am outraged. In the grand scheme of things my issue is not as egregious as some cases I have read about, but it was unethical and predatory and should be addressed. 
I currently owe {$30000.00} on a {$50000.00} loan -- they have received over $ 20K in principle to date. I have been paying on the loan since XX/XX/XXXX. I did take a grievance period in XX/XX/XXXX-XX/XX/XXXX due to a high expense for dental work that I could not afford and was not covered by insurance due to the problems typically being addressed in adolescence. I hope you can help me. Thank you.
Product: Checking or savings account

I submitted my complaint already but I uploaded another document, just wanted to make corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  NC,  XXXX  SSN :   XXXX   XXXX   XXXX   XXXX   Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifie d accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     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   .
Product: Debt collection

In the beginning of XXXX I called the company NetCredit where I had past due balance to make a payment plan for the balance in the amount of {$3200.00}. They made the payment plan accordingly. 
However, because the report to the credit bureaus still was showing that my account is over 180 days past due, I had to make the past due payment to them as I couldnt afford to have negative credit reporting every month. Shortly after that the company reported it correctly. 
However on XX/XX/XXXX the reported to the three credit bureaus that I am 180 days past due with {$3200.00}. I have called them, emailed them more than 4 times as I need my mortgage pre approval there was no response except that they need time to investigate and will call me later. 
Also although I paid my past due amount the payment schedule remains the same nothing has been changed. They insist they changed it but they didnt. I can not get in touch with anyone except representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report shows inaccurate information. It is showing late payments and a balance for a vehicle that is paid off. There were no late payments. My scores have dropped which have caused while I am in the process of purchasing a home and now my interest rate has gone up and now I no longer qualify for the home or the rate I once qualified for in XXXX. This is ruining my life.
Product: Debt collection

My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX # XXXX ARC HOMEXXXXXXXX XXXX XXXXXXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from ARC HomeXXXXXXXX XXXX to XXXXXXXX XXXX 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by XXXXXXXX XXXX 

The XXXXXXXX XXXX automated phone system is also incorrectly reporting me due for the XX/XX/2020 payment which is also incorrect. 

Prior to the this reporting by XXXXXXXX XXXX, I have never had a late payment on any mortgage loan.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Given this situation, I request a thorough review of the documents I have provided so that I can have peace of mind moving forward.
Product: Checking or savings account

I signed up for a loan {$60000.00} to get my solar system installed to my house, it has been more than XXXX months, the system is not complete, i have been paying for it with no benefit from it, every month i pay about {$220.00} the installer company is not responsive, I think this is scam on people
Product: Credit card or prepaid card

I called to pay my last bill of a return check fee of {$29.00} which I dont feel like I should have to pay because it was a mistake I already explained that in my other complaint that has no response to. When I made the payment of {$29.00} on XXXX it was late due to the automated system did not let me pay it, it kept trying to transfer me to a live person which I didnt want to do that because they charge a fee to pay with a person. I wind up having to pay on line and there for it was after XXXX XXXX but I was trying several attempts to pay through the automated but it was not allowing me. This was supposed to be my last Bill which I dont feel like I should have to pay the return check fee or the late fee. Yall closed my card even though I was making on time payments and everything. I would really just like to be done paying this card. I have enough things going on involving my health and this pandemic I would like both fees removed please because neither of them are my fault. I dont want to have to get my lawyer involved and take yall to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my Equifax and XXXX credit score report. i know nothing with regards these transactions. 

Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 XX/XX/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
Product: Bank account or service

I tried to transfer {$2900.00} to XXXX on XXXX XXXX. The website/customer care stated that the transfer will happen in 4 hours. But after 2 days i receive a email stating that the initial verification is failed and they wont be able to transfer my money. I called the customer care and they told me that I would get back my money by weekend XXXX XXXX or XXXX of XXXX XXXX. I called the customer care ( XXXX ) today ( XXXX of XXXX XXXX asking for my money, when she tells me that I would receive my money only by the next weekend ( XXXX or XXXX XXXX XXXX. When i asked her what was the reason, she tells me that since i 'm sending money to business, it would take extra 5 days. I asked her that " the money was not even sent and that my details had failed in the initial verification, so how does it matter if the reciever is a personal account or business account ''. For which she didnt have an answer and she told me that that is how it will be. She also told me that she would escualte the issue but still the time frame will be the same. 
When i tell her that i would need the money back so that I can transfer it using another service, she cuts the call. I call the customer care again and ask the agent to connect me to the manager for which i 'm put on hold for about 30 mins. After which even the manager also states the same thing. 
I would need my money back so that I can at-least use another service to make the money transfer.
Product: Debt collection

Hi my name is XXXX XXXX I am writing because I have a pass balance due on my last place I had move because my income and hours had drop they was telling me I had to pay different amounts almost every month and they lost my money order I have bank records of me getting a money order to write to the company .and they made me pay back the money they stolen from me .I can get receipts for that amount and know the debt caller calling me I told him I can pay in XXXX he told me I had to pay know but I just move I don't have the funds know .I 'm willing to pay in XXXX but he said I can't pay in XXXX please help me with this case
Product: Debt collection

I entered in to a contract with XXXX in 2012 for a home security system. The contract stated that if I moved to a new location where an XXXX system could not be installed, the contract would be void and no funds owed. I moved to an apartment complex that did not allow XXXX systems. I notified XXXX, repeatedly, but they continued ( and continue ) to attempt to collect the debt - in spite of the fact that their representatives have assured me no funds are due.
Product: Mortgage

Our loan with  XXXX  was transferred to NationStar in  XXXX  of  XXXX .     My husband and I filed Chapter  XXXX  in  XXXX  of  XXXX  and from that point forward we were no longer able to make online payments and no longer received any communication or monthly statements even though the mortgage is not included in the  XXXX   XXXX .     My husband and I are in the final steps of a REFI and were contacted by the Credit Bureau for a conference call with NationStar on Wednesday  XXXX   XXXX ,  XXXX . The call took place on Thursday,  XXXX   XXXX   XXXX , where we were informed that we were a payment late for the last 3 years starting in  XXXX  of  XXXX .     I called NationStar the next day, Friday,  XXXX   XXXX ,  XXXX , and spoke to customer service regarding my Payment History and they told me that I didnt show any late payments, but there was a payment in suspense and I just needed to pay {$890.00} to get it out of suspense and my account would be up to date. My daughter was sick at school and I needed to get off the line so I just paid it so I could get my daughter, but I really didnt understand why there was a partial payment in suspense and why I had to pay almost {$900.00}.     The next day, I pulled up my Payment History and I saw that the  XXXX   XXXX  payment was not applied as a payment. This payment was put in suspense causing any payment thereafter to b e 1 p ayment behind to date. I called on Saturday,  XXXX   XXXX ,  XXXX , and customer service said I had to call back on Monday when the bankruptcy department was open. I called first thing Monday morning,  XXXX   XXXX ,  XXXX  and spoke to  XXXX   XXXX  and repeated what I had found. The  XXXX   XXXX  payment was not applied as a payment and showed next payment due  XX/XX/XXXX  instead of  XX/XX/XXXX . Once this is corrected, I will not only be current as I have always been, but a payment ahead because of the money that was held in suspense and the additional {$890.00} I paid to make up a full monthly mortgage payment. The customer service rep,  XXXX , put in a request to the research department and I told her that this needs to be dealt with today. I am at the end of a REFI and this is the only thing holding it up. She said she can only place a request and state it as a priority.     I have called every day since and my request has not been touched and I have even spoke with a supervisor named,  XXXX  and he said that they can not contact the Research Department via phone or any other way. I find this extremely odd for a huge company. NationStar is the one at fault for this error and needs to fix it in an expedited manner! I have been patient long enough and do not want to lose this REFI!!! This error should have been caught and fixed when the conference call took place with the Credit Bureau on  XXXX   XXXX ,  XXXX .
Product: Mortgage

Today I received an e-mail notification from Citibank stating that they have received my mortgage application under Loan application XXXX. Noted I have not apply for a mortgage loan at Citibank and I am concerned that my e-mail account is being hacked and used for other purposes such as fraud. I will attach a copy of the e-mail sent to me on Monday, XX/XX/21 at XXXX for reference. 

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

I believe Transunion is practicing incorrect Credit Score. I the last XXXX days I have only received a Total of XXXX Positive points an a Total of XXXX Negative an I have had Major changes in everything from payment history, to XXXX XXXX, To major increase in credit limits. I have done every little things that I could to influence my score higher then those points. My XXXX an XXXX has moved over XXXX Positive Points. My Transunion XXXX is XXXX my XXXX XXXX is XXXX with an XXXX Positive Points on XX/XX/2022 an nothing from Transunion. I have asked them to look in the matter but they have yet to respond bout with technical support or just any kind of support. Transunion is XXXX of the biggest credit reporting agencies Trans Union is affecting my life in a negative manner with this low credit score that should be higher and next month Im expecting a lot more positive things to hit my credit and I dont want any issues to keep piling up I think I Deserve XXXX positive points plus all points coming in the month of XXXX I have tried to contact them numerous times. I will now make a complaint with the XXXX XXXX XXXX on this subject please someone contact me through email or by phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.