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

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Product: Credit card

In preparation for the cooking class, which was to occur on XX/XX/XXXX, on XX/XX/XXXX, while in XXXX, XXXX XXXX accessed her account to find out the cooking class was cancelled. XXXX along with my sister, XXXX XXXX, contacted XXXX to inquire why the class was cancelled and notification was never provided. A call was placed with the host of the cooking class the call went unanswered. 
On XX/XX/XXXX, I opened another dispute with Cap One XXXX, disputing the cooking class charge for {$1200.00}. Cap One requested I submit supporting documentation before XX/XX/XXXX. This request was made via an online letter, I never received a physical letter, and I missed the request. I received an email on XX/XX/XXXX, that they would close the dispute. On XX/XX/XXXX, I called Cap One, I explained that I did not receive notice of the request. I went on to explain the situation and that we did not receive a cancellation notice or a cancellation number. The representative told me to send what I had for further review. This was completed on XX/XX/XXXX. 
On XX/XX/XXXX, I placed another call to XXXX XXXX. After speaking to the representative, I was told that the picture and the email I sent was not accepted. I was then instructed to submit a Progressive Letter ( I dont know what that is, nor could she tell me ) and that I needed a cancellation number. I explained I do not have a cancellation number and again she told me to send what I had. Additionally, I explained that both of my excursions were purchased through viator and I had to dispute XXXX  charges with my credit card company because XXXX has been unresponsive. 
Communication via email, between my travel agent ( on my behalf ) and XXXX have occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Most recently, I received a letter from XXXX indicating that a chargeback has been submitted for this transaction and once submitted, all correspondence regarding further action or resolution will be escalated to the XXXX XXXX. XXXX confused as to why the delay in my refund when XXXX has record this excursion was cancelled by the host, not me. 
I am being held responsible for the cost and interest of an expenditure that never happened, and not at my doing. This is causing me tremendous angst and panic attacks to get resolved.
Product: Credit reporting or other personal consumer reports

This loan is my brother. Its doesnt belong to me
Product: Credit reporting or other personal consumer reports

Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all XXXX XXXX, XXXX  XXXX  2. Date of last payment is different on al XXXX  XXXX  XXXX, XXXX, XXXX XXXX XXXX 3. Date of last late payment is different on all XXXXXXXX XXXX XXXX XXXX XXXX 
Account balance is different on all XXXX XXXX XXXX XXXX XXXX. Date account was closed is different on all XXXX XXXX, XXXX, XXXX XXXX # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Citadel # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX  # XXXX EQUIFAX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. 

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act l. The list of accounts below has violated my federally consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report Containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Debt collection

JEFFERSON CAPITAL SYST claims I have a debt with XXXX XXXX and I don't have and never have had a XXXX account. I have been an XXXX XXXX XXXX customer for 10 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

Account was opened XXXX and the balance states {$820.00} but the balance is not accurate. I have filed disputes in XXXX and XXXX.
Product: Checking or savings account

OnXX/XX/2023 I opened a Capital One account taking advantage of a promotion ( XXXX ). I immediately deposited {$100000.00} into the account. Per the promotion, after 90 days, I was to receive a {$1000.00} bonus. I met all the requirements for the bonus : 1. new account ; 2. deposited funds within 15 days ; 3. used the promo code ; 4. maintained {$100000.00} balance for 90 days. 

Since the bonus did not show up in my account, I called Capital One today ( XX/XX/XXXX ). I talked with XXXX ( ID # XXXX ). She agreed that I met all requirements. But, stated that the bonus review team needed to review this and the bonus would be applied to my account by XXXX XXXX, which would be 6 months after I opened the account. This is contrary to the agreement when I opened the account which was that I would receive the bonus after 90 days. 

XXXX indicated that the Capital One webpage provided this time line. But, she agreed that this information was not sent to me because I was not a " targeted customer. '' She made a case file for me and said someone from the bonus review team would get with me within 45 to 60 business days. She said my only other option was to send a letter to Capital One by U.S. mail and someone would respond to that within 30 business days. 

All of this seems like a delaying tactic and a deceptive business practice.
Product: Debt collection

I have been receiving numerous calls from XXXX. When i answered the line was silent. So I block the contact in my phone and it went straight to voice mail. Now I get numerous voicemails with nothing on them. The calls and voice mails have been 2 or 3 a day for over 3 weeks. I've tried to call the number and all I get is a recording that it is not during business hours. This was between XXXX and XXXX est. that I've called. Then the recording goes on to say go to some website to pay a debt. I think this is a scam and should be shut down. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021
Product: Debt collection

I am exercising my rights under the FCRA section 609, to request information regarding a collection account that was placed on my consumer credit profile ( s ) for the amount of {$120.00} on XX/XX/2023. Under the FCRA section 609 I am entitled to request information regarding the collection on my consumer credit profile ( s ) I am requesting the original contract between myself and the original creditor with my signature on the document ( s ) binding me to this debt, stating that Ive agreed to repay this debt if default occurred. If the collection agency can not provide me with the original contract containing my signature on it binding me to this debt within 30 days then a fair resolution would be for the collection agency to DELETE the account from my consumer credit profile ( s ) it is actively reporting to immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company posted late payments on my report. Thats not true they were on time but the credit card company sent the money back to my personal checking account each time.
Product: Checking or savings account

I used paypal normally to sell my personal item on XXXX and have a good feed back and receive and send funds to family/friend and suddenly today this XXXX i received an email from paypal say i can no longer used my paypal account anymore and they decided to permanently limit my account as they found potential risk associated with it. and paypal told me if i have money in my paypal balance they will hold the money for up to 180 days which i had {$900.00} in there and that's all my money in it i can not wait for 180 days that long to get my money.
Product: Payday loan, title loan, or personal loan

I took out a online loan with Uprova.com on XX/XX/XXXX due to my surmounting medical bills. They never disclosed the repayment amount to me during the time of the loan. Otherwise, I would have never agreed to pay {$4900.00} on a {$1200.00} loan which is usury even for XXXX XXXXXXXX XXXX. 
I spoke to XXXX from Uprova on XX/XX/XXXX. This is when I was made aware of how much I would owe them back. She directed me to the look at my loan agreement and that is when realized that I had been mislead into applying for a usury loan! 
Although, I can not prove it, I am adamant that I did not sign a contact stating that I agree to pay back such an absorbent amount. 
I did explain this to her to no avail. But, I am sure she was just doing her job. 
I let her know that I will be filing a complaint with the appropriate division to resolve this issue. 

Thank you so much for your time & assistance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX   XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX  {$680.00} 6 ] XXXX   {$71.00} 7 ] XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Debt collection

On some day in XXXX, one of my accounts was hacked and i had no knowledge of anything until I received an email and a phone call from one of my banks saying my account is being closed due to overdraft from a loan that they had no knowledge of & so did I. I immediately contacted the loan company and they werent helpful at all Ive submitted a police report 3 times & I am not getting anywhere. 

amount : XXXX account XXXX XXXX XXXX
Product: Debt collection

i sent Vance and Huffman LLC a letter requesting validation of debt along with a no parking rule, refusal to pay and cease and desist letter on XX/XX/year> regarding an account i have no knowledge of for the amount of {$1600.00} WHICH ISNT REPORTING TO XXXX OR XXXX WHICH SEEMS TO BE INACCURATE REPORING ACCORDING TO 15 USC 1681i. i have yet to receive a response. This company is in violation of multiple laws 1 ) i am unaware of this debt, they didn't give me an opportunity to dispute the information. if in fact you believe you gave me proper notification then please send me a copy of the certified receipt with my signature on it. a Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR.1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) 2 ) 15 USC 1681 S-2 REPONIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- YOU ARE PROHIBITED BY LAW TO FURNISH INACCURATE INFORMATION 3 ) Fair DEBT COLLECTIONS PRACTICES ACT 15 USC 1692G 4 ) FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE [ 15 USC 1681N ] 5 ) DEFAMATION OF CHARATER ( PER SE ) 6 ). NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. The continuing reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes for me and my family and i am seeking {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spent 2 and a half attempts on Equifax 's direct dispute website attempting to upload documents and directly dispute an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an ERROR twice when I finally go to the end of my disputes and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore. I feel as though Equifax is deliberately ignoring me. they keep asking me for NEW information that I CAN NOT give the because the account I have been disputing is fraud an not mine. I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? 

I put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times! I had to start over three times before I gave up. Also, I noticed that Equifax is allowing this company to keep reporting new false and negative info even after it is claimed this account is 'charged off ' 'closed '. this is the most unbelievable situation ever. please reference back my complaints which started in XX/XX/XXXX
Product: Mortgage

I am an XXXX XXXXXXXX XXXX XXXX who assumed a VA loan in XXXX from a military seller who had a mortgage with Freedom Mortgage. Shortly after closing the sale, I became unable to access my online account ( which contained basic features such a as viewing remaining balances, escrow balance, setting payment schedules, etc. ) When I reached out to Freedom to rectify the issue, they told me it was a problem with all loans that were VA loan assumptions and they were working to fix it. In early XXXX, after several months of phones calls inquiring about when the issue would be resolved, I sent an email asking for a firm timeline on when the problem would fixed. Freedom Mortgages response on XX/XX/year> included the line we do not have a specific timeframe for when this issue may be resolved, nor can we confirm that the updates will be implemented. I interpret the second half of that sentence to mean they will not commit to restoring this basic service that they provide to other mortgagees, but deny to those who assumed VA loans. 

I do not believe Freedom Mortgage is providing the level of service required of mortgage companies that are authorized to issue VA loans, and I would like this issue resolved. 

Thank you for your time. 


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

I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, XXXX, and experian as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
Product: Credit reporting or other personal consumer reports

FCRA states I am having the rights to exercise of fair and accurate credit report I have submitted accounts with inaccuracies that need to be corrected and advised immediately Thank you
Product: Credit reporting or other personal consumer reports

I would like ALL Previous addresses, Negative Information & Old Accounts removed from my Credit Report Immediately. I do not authorize this information to be listed on my Credit Report. 

15 US Code 1581-Remove ALL Negative Information From My Credit Report Immediately
Product: Mortgage

At the end of XX/XX/XXXX, I applied for a refinance of my home with TD Bank. When I applied, I had an existing XXXX mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from XXXX, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current XXXX - their approval changed it so that the XXXX was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. XXXX months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in XXXX XX/XX/XXXX before I was due or delinquent with XXXX and applied for assistance, for a modification of the terms of the P & I payments for both XXXX and XXXX ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.