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

I have called Equifax and XXXX and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with Equifax and XXXX with the fraud department of XXXX that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with XXXX  was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe XXXX and Equifax practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.
Product: Debt collection

XXXX Radius XXXX sent me an email correspondence regarding a debt that is not mine from XXXX XXXX XXXX and basically XXXX XXXX XXXXXXXX XXXX and saying they would like to settle with me for a couple of XXXX dollars {$240.00} debt total was {$600.00}. I sent an email correspondence letting them know the debt is not mine and called them. When I called they said the fraud department was busy and would call me back in XXXX hour which I know isnt happening because its a scam. I did verify last XXXX digits of my social security and as soon as I said the last XXXX numbers the representative says oh its not you but they will call me back. I got scammed like this XXXX  years ago and XXXX not and dont want to go through it again.
Product: Debt collection

I submitted a debt validation request to Ad Astra Recovery on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that Ad Astra Recovery refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.
Product: Checking or savings account

On XX/XX/2021 I received a series of emails in quick succession from MoneyLion indicating my new XXXX bank account is ready, my debit card is in the mail, my phone number has been updated and my mailing address has been updated. The problem : I never opened an account with MoneyLion and the phone and address indicated in the update emails are NOT mine - I don't live in North Carolina and never have. Whether this is truly fraud or some sort of bait tactic by MoneyLion themselves is unclear. Either way - it's criminal.

I contacted MoneyLion and they agreed to close the account in question but would provide no other information or assurances. For example : " were any of my actual bank/credit accounts exposed or connected to the MoneyLion account? '' Answer : " we can't tell you that but we assure you nothing bad has happened. Have a nice day. Goodbye. '' What a crock! The fact that the account was created in the first place means something bad has happened.

To summarize : my only impression of MoneyLion is a very bad one and I suspect I'm not alone. Fishy company for sure.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX ACCOUNT Balance {$940.00} Date Updated XX/XX/year> High Balance {$940.00} Original Creditor XXXX XXXX Past Due {$940.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX  Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$26000.00}
Product: Debt or credit management

I paid for a membership and never received the onboarding email for me to sign up on they've taken my money off my card and didn't provide me with a onboarding email and the refused to send another one to my email so I could sign up for the membership. They have my money off my card already
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$710.00}
Product: Debt collection

The company called my job and embarrassed me by not being professional. They called my phone and would not identify themselves then threatened me with law suits and hung up in my face repeatedly. They laughed and mocked me and wouldnt let me speak. They wouldnt verify the debt after I asked them several times. They caused me great XXXX  distress
Product: Student loan

I applied to have my student loan refinanced with " Earnest '' and the company quoted me at a rate of ~5.2 %, but when the loan was approved the rate was increased to 6.86 % with not explanation even though I have an " Excellent '' credit score. And when I asked the representative to investigate why the rate changed she said she would check with the underwriting department and get back to me. That was two weeks ago and now she is ignoring me. This is a classic example of " bait & switch. ''
Product: Credit reporting or other personal consumer reports

There is no consistency in the data entry of these reports. 
15 U.S. Code 1681s2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Debt collection

Beginning on or around XX/XX/2022, what is now known to be " Wakefield XXXX '' has been harassing me at work and home phone numbers. They fail to state they are a debt collector and instead purport to be an legal agent. They call from one number and yet list a completely different number to call back. Further investigation reveals that both numbers lead to the same place. 

Upon further review, the company answers the field differently per each call, such as today when called back I received the following answers : 1 ) Wakefield 2 ) None of your business 3 ) Wakefield XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX At none of the times they were leaving messages, nor when called back, did they state at any time they are a debt collector. 

They also continue to harass after being informed that I filed a bankruptcy, so any debt collection is not only invalid but also against federal law. 

I have attached a copy of their voicemail that was left on XX/XX/2022. 

Company has failed to EVER provide debt validation, nor have they ever even sent documentation to me via mail!
Product: Debt collection

On XX/XX/2021, I wrote a letter to CMRE, requesting them to provide proof that they are, in fact, contracted with XXXX XXXX in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and XXXX XXXX. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, CMRE continue to report this account to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Product: Debt collection

Re : Illegal Re-aging National Credit Adjusters ( Collection Agency ) has illegally re-aged an account from XXXX XXXX in the amount of {$1500.00} from XX/XX/2017. The Collection Agency has listed this debt as a new debt, which is false and illegal per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

This is a final attempt for correction before legal action is taken including damages. The attorney that I have consulted has requested that I make a final attempt for correction before a suit is file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I entered into a forbearance plan with Bank of America for the months of XXXX, XXXX and XXXX of XXXX. The approval letter stayed that the forbearance period would end on XX/XX/. I made several payments prior to the end of the forbearance period and my account was brought completely current on XX/XX/ XXXX. Bank of Ameruca is reporting a 30 day late payment for XX/XX/2024 that they refuse to remove. I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the XXXX office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded phone calls.
Product: Checking or savings account

Made {$4000.00} in deposits by mobile check deposit, and checks cleared out of bank into my new account. Bank suspended debit card and atm and frozen account and kept my deposits. I reached out and been hung up on multiple times. I complained to report them and First Tech Federal credit union said do it no one will do anything. They have had funds for a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

nothing I keep having credit rating value declines. It has caused me to pay higher deposits on an apartment.
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 # 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 any written instructions.
Product: Mortgage

I obtained a first mortgage a little over 3 years ago. In the closing documents, it stated that XXXX of 2021, we would be able to cancel the PMI. I tried for 2 months to get this done and they never even acknowledged my concerns. I complained to the XXXX XXXX XXXX and eventually, the company did send a letter stating they needed {$100.00} for a " Broker 's Price Opinion ''. I called the number they provided in early XXXX and gave them a check through their phone service. To date, they have never cashed this. I wrote a month ago asking if they received it and still no response. It is my belief that they are milking the cow for all its worth before giving up the extra PMI payment each month. I am going to start filing online complaints through XXXX and some others and am thinking about even filing a complaint against the online mortgage broker we used in our refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXX XXXX, The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX XXXX  XXXX. I retrieved the loan history from the loan department of XXXX XXXX XXXX. This history shows the loan paid in full and on time. The loan history shows payments from XX/XX/XXXX to XX/XX/XXXX. I will also include the account from Equifax which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from Equifax. The other credit reporting agencies such as XXXX, XXXX, and XXXX have the same account from XXXX XXXX XXXX. I have been told not to file any more disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was to receive a a payroll direct deposit from my employer on Wednesday XX/XX/XXXX which is 2 days earlier than the original pay date for XX/XX/XXXX on Friday. 

I found that I have not received my direct deposit on Wednesday as I was supposed to then I discovered that the app called Earnin.com had taken the direct deposit without my authorization and attempted to disperse it to a close XXXX XXXX account. 

I stopped using Earnin.com and XXXX XXXX 2 years ago and they count should have been closed however the XXXX XXXX account was closed and they attempted to take the direct deposit as they would never authorized even 2 years ago and send it to the closed account now I am not receiving my funds and they are refusing to release my funds. 

I can not contact them all the way but to text them and they're not picking up the phone at all to answer and they're hiding behind the typewriter and becoming rude and manipulative and my friends have been held since Wednesday which is almost a week and I have not received my payroll check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy protection on XX/XX/XXXX. The XXXX bank store credit card in question was included in the chapter XXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my Transunion report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my chapter XXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. XXXX XXXX XXXX had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with Transunion as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, Transunion such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.
Product: Debt collection

I was sent a personal email from a direct employee at True Accord XX/XX/XXXX shortly after XXXX XXXX. The email contents were that they were trying to collect a debt from me from XXXX for XXXX. They gave me 3 options in the email. To dispute the debt, request information on the debt or to pay it. 

I do not owe anything on this debt and I was contacted in XXXX on this matter by a different agency which was not True Accord. It was dismissed as the debt was incorrect and the merchandise was in fact returned. This is almost 9 years old. They are wanting me to address and pay this old debt which is very suspicious. 

I havent received a phone call, text or legit letter from any collector or from True Accord on this debt matter since XXXX and it is NOT on my credit report. This is the first time Im hearing from True Accord and by email of all things. 


I did dispute the email received and explained myself to them and I havent heard anything. I think this is a scam and I hope by disputing I did not put my self at risk for this. This debt is way beyond the statute of limitations to collect, in which the debt was incorrect and I do not owe in the first place. 


I dont know why I am being contacted now on this. It has been years. How did this company get my personal information? To get a random email of all things, not even a call, I feel violated and harassed by something so long ago that they as a company should have been able to verify at first contact, preferably on the phone or a mailed letter. 

Im seriously concerned about a scam and my identity now and I would appreciate an investigation of this matter with True Accord.
Product: Credit reporting 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 the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 


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