23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/year> I contacted the company to request that they change my address and mail me paper statements. The company did not change my address or mail me paper statements. I noticed that I had almost two years of late payments on my credit report. When I contacted the company I was informed they never changed my address. The company 's failure to send me statements resulted in late payments on my credit report and me paying XXXX XXXX dollars in late fees.
Product: Debt collection

XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The Unfair or Deceptive Business Practices of XXXX XXXX XXXX, to Extort or Solicate Monies in the Violations of my Civil ( XXXX ) Rights, in the needs for a Made Cause of Public Corruption, the Continuing Escalating Concerns of Personal Harms and Domestic Finance with No Recoveries of Monies or Compensations for a Living Standard.
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 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX Channels. I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment XXXX ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment XXXX ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into Discover and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment XXXX. 

XX/XX/XXXX - I get a home under contract ( Attachment 3 ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a XXXX account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with XXXX and XXXX but only one dispute each. 

XX/XX/XXXX - My VA mortgage application is declined ( Attachment 9 ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 amount {$1100.00} ( Chapter XXXX bankruptcy discharged 1XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX Experian XXXX
Product: Checking or savings account

I have been an account holder since 1995. Last month I was surprised to find that the bank had placed a HOLD on a {$200.00} money order. The same created an overdraft. Once alerted, the CSR could not come up with a reason for the hold but immedtately released the hold but held the {$35.00} fee for overdraft.. Today, I was notified that I also had an overdraft. it seems that {$1000.00} that I deposited, also from Money orders from the same tennent that Ive had for $ 10 years, that was deposited and credited on XX/XX/XXXX was now, just today on the XXXX, 9 days later, has a hold now placed on it. I have printed the transaction history showing the deposit credited entirely until today. I normally have mortgage payments deducted around the XXXX of the month, had I not seen this today and printed the same, im sure they would have modified the account to show a different story!!! I believe Bank of America is doing this to scores of consumers all across the United States. 
I will have to scan the transaction history and upload it later. 

I will testify, or assist in any way possible to see Bank of America brought to justice ... 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report with fraudulent accounts.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$14000.00}. This is the website that a scammer told me to go to and link to my Coinbase wallet : https : //mcdex-defi.com At first, they allowed me to mine USDT from the website and they said I could transfer the money to my wallet, where it would be safe. I did just that, a few times. The wallet got up to {$14000.00}, and when I tried to transfer more money into my wallet, they said I could not until I added $ XXXX to my wallet. I did not do that and told them I would not, and then all of a sudden they stole my {$14000.00}!!! Can you please help me to recover the funds? I would think Coinbase would stand by their wallet security. I opened a case with them but they dont seem to be cooperative. Please help. Thank you!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Consumer XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided Please remove these accounts from my report they are hurting my ability to obtain crediT. Thanks.
Product: Credit reporting, credit repair services, 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. And also may be in violation of 15 U.S.C 1605. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency 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 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.
Product: Debt collection

Debt Collection for an alleged {$1200.00} debt for an emergency room service from XX/XX/XXXX. Never received any invoices or calls from any other person/company called me for this debt claiming that my insurance company never paid it. I was skeptical because it has almost been 2 years since this happened and I never heard anything about it from anybody. The people told me that they would " work with me '' and offered to " go with 2 payments for {$480.00} '' both in XX/XX/XXXX. I have impeccable credit and because I am I freak out that my credit rating would suffer so I agreed to the payments. The name of the company is AffiliateAS.com Several people I spoke to told me it was a fraud and I needed to block it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 card or prepaid card

Back on XX/XX/XXXX I put through a fraud claim on items purchased through XXXX. Received a credit on my statement of {$2000.00}. I realized that my Visa Gap Rewards Credit Card was added in error because of me to my XXXX account. In the meantime I authorized XXXX to charge my XXXX XXXX  the week of XXXX for all the charges that were being reversed by Visa Gap. I realized at that time this was not fraud. XXXX has locked me out of my XXXX account and the only way to get access to all of our streaming was to authorize XXXX to charge my XXXX XXXX card. I had called Gap Visa and informed them that I made an error and this was not fraud. I called them from my number XXXX. On XX/XX/XXXX they recharged my Visa Gap card. I explained that o already paid for all the charges that were reversed on XX/XX/XXXX. Gap Visa stated I needed to work with XXXX as they would see that the fraud claim was reversed. When I call XXXX they tell me to work with Gap Visa. At this time I am out money as I have paid for my XXXX purchase twice and I need a credit or a refund from XXXX or Gap Visa.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan with Title Max in XXXX, SC in the amount of {$5500.00}. I realize that it was a XXXX  move but I really wanted to help two family members that were out of work and were really struggling. So yes it is my fault that I took out the loan. The issue that I am having is that it is a very predatory. I keep paying and the balance continues to increase. I do not want to lose my car that I worked so hard to payoff. 

I do not mind paying back my debts but I would like to know if the terms can please change so that I can pay off this loan. I got the loan on XX/XX/XXXX and I have not missed a month and it is now XX/XX/XXXX and I owe more than what I started with. It shows that I own {$5800.00} that I have to pay on XX/XX/XXXX. 

Now, they have the nerve to offer me a loan with current available cash of {$1200.00} that I refuse to take out. I am very stressed. I don't know how I am going to make it if the balance continues to go up and it is the only car I own. 

I realize that I made a mistake in getting this loan but I did not know that it would be impossible to pay back. Please help me. I feel they took advantage of my distressful situation. I need to fix this bad situation but I do not know how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not changed my credit score in 3 years. Ive received credit cards paid on new car and none of this is reflective on my credit report. Ive informed them of this and they told me its not their fault that creditors arent reporting positive credit, which is not true. However, they can report negative credit on my report but are refusing to put positive reports.
Product: Debt collection

The company sold my debt to another company who has hired a recovery agent who has called family members did not gave any info who he is was threatening with arresting me etc
Product: Credit card or prepaid card

It started back on XXXX when Comenity Bank failed to apply our electronic payment. I called and found out that they had updated their software. And it took them longer the expected. They finally aplied our payment on XX/XX/XXXX. So on XX/XX/XXXX we arranged for our next payment to be made. This payment wasn't apllied until XX/XX/XXXX. Resulting in a late fee being applied to my account. Now I have been on hold for well over an hour waiting for someone from their customer service department to pick up. I shouldn't have to call monthly to fix these problems.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my XXXX credit report related to my account with XXXX XXXX XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that TransUnion and XXXX accurately reflect my account status as " Paid as Agreed, '' XXXX continues to report this account inaccurately. I have never missed a payment with XXXX XXXX XXXX, and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and XXXX has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that XXXX immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that XXXX has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.
Product: Debt collection

XXXX of 2023 I received a credit alert as a new collection on my credit report. Jefferson Capital Systems. 
The original creditor was XXXX XXXX. 
The Company claims under the FCRA rules they can " park '' the debt and refile it as many times as they want in the statute of limitations.
Product: Credit reporting or other personal consumer reports

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DELETE PREVIOUSLY EMPLOYERS * ADD THE CORRECT EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * PLEASE CORRECT MY DATE OF BIRTH ( XX/XX/XXXX ) * PLEASE DELETED CURRENT ADDRESS ADD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) * PLEASE ADD MY EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DATE PREVIOUSLY ADDRESS * ADD MY CURRENT EMPLOYER ( XXXX XXXX ) PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 


PLEASE SEE ATTACHMENT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CMS did not address inaccurate credit reporting. I do not have an open mortgage account with Carrington Mortgage Services as of XXXX The account last activity is not XX/XX/XXXX but XX/XX/XXXX. The account does not have a past due amount but has a XXXX balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX, and Paid Off/Closed XX/XX/XXXX. However, CMS did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information since XX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several CMS representatives on several occasions. One CMS representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX, XXXX, and XXXX. The company failed to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$270.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been disputing some accounts since XX/XX/2020. These items are inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile. Experian has failed to remove the items or respond to my last dispute.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account, This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here 's a draft for the CFPB complaint : -- - To Whom It May Concern at the CFPB, I am submitting a complaint regarding LVNV Funding LLC, operating under Resurgent Capital Services, for their failure to validate a debt for which I am not liable. This account has been inaccurately reported on my credit report, despite my repeated attempts to resolve this matter directly with the debt collector.

Account Information : Collection Agency : LVNV Funding LLC, c/o Resurgent Capital Services Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) Balance Reported : {$350.00} Date Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX Address of Resurgent Capital Services : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Summary of Issue : On XX/XX/XXXX, I mailed a formal debt validation letter to LVNV Funding LLC, requesting verification of the debt and evidence of my liability for it. I have never conducted business with LVNV Funding LLC or Resurgent Capital Services, nor with the original creditor listed in this collection account. Despite this, LVNV Funding LLC has failed to provide any documentation to validate this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the alleged debt, and the companys non-response violates federal consumer protection regulations. Furthermore, the failure to validate this debt and ongoing reporting of this collection negatively impacts my credit, which has caused unnecessary financial and emotional distress. 

Requested Resolution : I request that LVNV Funding LLC : 1. Provide documented verification of this debt, demonstrating

that it is legally mine, and that they have the authority to collect. 2. If they are unable to provide the necessary verification, remov
e the collection account immediately from my credit reports across all credit bureaus ( XXXX, XXXX, and XXXX ). 

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

accordance with the fair credit reporting act XXXX  account # 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 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX had reported a loan in XXXX for XXXX that was never encumbered by me nor did I have any knowledge of the mortgage. The loan was supposedly originated in XXXX the reporting was inaccurate and inconsistent. showing some months or years of no payment then some months no reporting at all. this lead to an illegal foreclosed home in XXXX even after the foreclosure in XXXX the foreclosure doesn't even reflect my credit now.