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

Dear Sir or Madame, I have made multiple complaints with experian and both XXXX to report a company called credit acceptance reporting incorrect fraudulent information on my credit report For the last six years credit acceptance has been reporting inaccurate to the credit bureaus. Which has affected my credit. XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. Experian and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. This has really impacted me to use my VA benefits.
Product: Payday loan, title loan, or personal loan

I received a title loan from Title Max. They charged me a high interest that no one told me about. I have been paying {$1100.00} a month for over a year and they say that I still owe them over {$10000.00}. I only borrowed {$2500.00}. I can not continue to pay them that kind of money every month for only them to tell me that my interest isnt going down. My monthly payment only let me rent my own XXXX car for a month. I have no more money and my car is about to be taken. How can I seek help. At this rate they will get {$20.00} for a {$2500.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my credit score dropped XXXX points in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

Equifax, XXXX, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a one month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.
Product: Credit card or prepaid card

I, XXXX XXXX, booked a hotel on XXXX for my son, XXXX XXXX on XX/XX/2019. He was supposed to check in on XX/XX/2019. I also faxed in a credit card authorization form on XX/XX/2019. However, when he arrived at the hotel on XX/XX/2019 the staff at the hotel told him they did not have the credit card authorization form so they did not allow him to check in. He had to go to another hotel and pay cash in order to check in. However, my credit card was still billed on XX/XX/2019 for {$340.00} and on XX/XX/2019 for XXXX eventhough he was not allowed to check into the hotel. In addition my cara was charged twice for the same hotel stay. I should not be charged two times. In fact, I should not have to pay at all for a hotel he was not allowed to check into
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I went to court for an unlawful detainer/eviction case against my landlord. I lived in XXXX XXXX XXXX and it is owned by XXXX XXXX XXXX. Long story short, we both agreed on an amount due and also to have my case be sealed and not to reflect my credit report. The amount agreed upon was {$5500.00}, including the lawyer fee. In XXXX of 2020 a representative from IQ international data reached out and told me I had a debt owed to XXXX XXXX XXXX for {$12000.00}. I let the representative know that I had documentation from the court stating it was not supposed to reflect my credit report. After about a hour had passed with arguing with several of International IQ Datas employees, nothing was resolved. They told me the debt was valid and the amount owed was the correct amount. 

I reached out to the courthouse I had my trial at on numerous occasions, and each time I was assured that this debt was not supposed to reflect my credit report. They told me to dispute it with credit reports and upload the documents I had from my trial. I called down to XXXX and spoke to someone from their customer service department about my situation. They brought to my attention a factor on why there was nothing they do on their end. On my court documents the plaintiff is titled XXXX XXXX XXXX. On my actual credit report it was titled IQ international Data/XXXX XXXX XXXX. I let the representative know that it was indeed the same entity. He then told me again there was not anything he could do unless the names matched exactly.
Product: Credit card

On XX/XX/XXXX we contacted Synchrony bank to discuss account ending in XXXX. Note : We have three of these similar accounts. They are XXXX XXXX exclusive accounts. We buy art on cruise ships and charge them to these accounts at XXXX percent interest for a period of time. 

On this particular account we made four art purchases. One was for approx. {$1200.00} in early XXXX, XXXX. The remaining three were purchased the end of XXXX, XXXX. Total bill was over $ XXXX. We were advised that the earlier art had a 12 month payoff deadline and the other XXXX had a 24 month payoff deadline. I was not aware that there were two different pay back plans on one credit card account. Apparently this is " normal course of business '' in the industry. We have never experienced this before. 

The reason we have a complaint is that the monies we paid monthly were applied to the three paintings that had the 24 month payoff deadline and not the earlier deadline. Our monthly payments were sufficient so the account wasn't delinquent until the 12 month timeframe hit then we got charged the entire year of interest ( 30 % ) plus late fees, etc. This was on an automatic payment plan and we have two other accounts that are also on this automatic plan. 

Today we decided to pay off all three cards in the total amount of {$22000.00}. This was to avoid being surprised by some other fees, etc. 

Synchrony was very cooperative in explaining how everything worked and I thanked them for their help. The problem is that we are very educated and informed consumers and we were blindsided. They kept saying I could see info on the statements available online. However, the way they choose to allocate the payments is a bait and switch to make sure they make money. They should have applied monies to the amount due that should have been paid off earlier and they chose not to do so!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : THE PUBLIC RECORD You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously on XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021, I have updated my phone number and placed a ID alert on my social security number. When I inquired about my credit report the phone number is wrong and therefore I am not notified when there is an new account opened in my name. I have alerted all of the credit bureaus however the information remains unchanged. I have been denied various services because of this including housing and employment because of this mix-up. I have been following in my local community from people that think I am committing fraud. Please help me resolve this issues with the credit bureaus.
Product: Debt collection

I found XXXX XXXX XXXX reporting on my credit report and disputed it as unrecognized. The Credit Agencies reported back on the dispute as correct per XXXX. They told me to call XXXX directly at the number listed on credit report ( see attached item # 1 ). XXXX told me they can not speak to me, as they no longer have the file. They had me log in their website and showed me the phone number for XXXX XXXX and said to call them, they have no information on the debt anymore and are not permitted to speak with me about it. I haver called XXXX XXXX several times over the course of four weeks and only am placed on hold after pressing prompts. I wait 20 minutes or more and no one ever answers the phone. I call XXXX XXXX the original Creditor, and told them the above. XXXX XXXX states that their records show they charged it off and sold it to XXXX XXXX XXXX, to call them again. I called XXXX again and asked for a supervisor and explained why. She apologized but said she can not tell me anything, but she would send an email to XXXX XXXX asking them to call my cell number ( which I provided.to her ). I can not understand how they can claim they own the debt on my credit report and verify its info with the credit reporting agencies, but tell me they have no information on file anymore and they have no jurisdiction to speak with me about it anymore. How can they then verify they own it and corroborate its accuracy on my credit report when it was recently disputed? I am trying to get validation of this debt, but the supposed " owners '' of the debt refuse to tal to me and refer me to another party who will not answer there phones. I can show phone records of my attempted multiple calls and wait times. This should not be legal and it appears they can not validate the debt since they can not speak about it,. Secondly, this XXXX XXXX has never sent me any communications as required nor has either party allowed me to validate the debt, including the supposed owners of it!
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLES MANAGEMENT GROUP ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get an annual credit report. I did not realize I was in an Ad for TransUnion and order my credit score for {$1.00}. On XX/XX/2020 TransUnion took {$24.00} out of XXXX XXXX. I did not give them authorization. This is illegal they are stealing money from consumers. I already have a Identity Theft Monitoring Protection Program.
Product: Credit card or prepaid card

XX/XX/XXXX Barclays calls to report suspicious activity and have me confirm fraudulent and non-fraudulent activity XX/XX/XXXX I call Barclays 5 times to confirm them to charge me for verified transaction of {$540.00} from XXXX XX/XX/XXXX Barclays add back into transaction history a fraudulent charge of {$190.00} made on XXXX at XXXX XXXX XXXX XXXX XXXXpresent I file police report due to the ongoing fraud activity with my identify and credit card info being stolen I call XXXX XXXX XXXX  who confirms purchase made online, picked up in a store over an hour away from me on XXXX. XXXX XXXX XXXX also confirms what was purchased as XXXX XXXX XXXX XXXX. XXXX will not release video to me, IP address of purchase and confirms that they provided all my identity information to Barclays. 
Barclays confirms that XXXX was able to verify my information all of which was stolen and states that I made the purchase. 
Then the charge is removed by Barclays XX/XX/XXXX. 
XX/XX/XXXX Barclays adds back in the XXXX XXXX XXXX  charge XX/XX/XXXX I call Barclays who says they have the right to change their investigation decision and XXXX verified my stolen identity XXXX can not confirm that I picked up the shoes at the XXXX XXXXXXXX XXXX XXXXXXXX on XXXX. I am not the person in the video.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unnameable and raises concerns about consumer safety
Product: Credit reporting or other personal consumer reports

My identity was used to open some accounts after my identity was stolen Someone used my identity to open XXXX XXXX XXXX on which was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is trying to force me to pay for credit reporting services that are free and not allowing me access to my free credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Product: Mortgage

XX/XX/2016 there was a one-time special added to my annual taxs. I was never notified about this, I just started receiving call that my loan was in default and I was not paying the proper taxes. They quoted my taxes to be approx. {$950.00}. I then check with the county assessor office and the accrual tax is {$420.00}. I notified freedom Mortgage to investigate this, which they never did. I then discovered on my own the special assessment and on XXXX/XXXX/2016 I paid freedom Mortgage the amount of the one time fee. therefore my mortgage should rerun to normal. I requested numerous times for a break down of the PITA and $ in escrow. No contact only calls that my loan is still in default. I have tried several time to resole this and request either an upper management call me or their legal department. To resolve. they are threatening me with foreclosure and in conversation with the agents they have no notes in the system that they stated tthey would note. I have mailed in certified mail bank statements showing all payments are made on time and the payment of the special assessment. I also have sent them copies of the tax bill. I still am getting letters of foreclosure. I have now requested all documentation and future discussion to be in writing. I need to stop this foresclosure because I am not in default. Freedom Mortgage has misappropriated my loan funding. I am a Vet ( XXXX ) and I need assistant in dealing with Freedom Mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681... Account Name... XXXX  XXXX ... Account # XXXX ... Account name.. XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ... Account Name... XXXX XXXX XXXX Account # XXXX XXXX Account Name... XXXX XXXX... Account # XXXX... 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. 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 reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Debt collection

The company titled CCS XXXX ( CCS XXXX XXXX ) has sent written communication on XX/XX/scrub>XXXX about a supposed debt of {$230.00}, however per NMLS Consumer Access, they are not licensed in the state of California ( where I am a resident ) to collect a debt.
Product: Payday loan, title loan, or personal loan

Last year this company reached out to me by sending me a check in the mail. Ad the advertisement to accept the loan, I just deposit the check. Well I was I just stuck in a place and had to accept the loan. The terms are 9 monthly payments of {$98.00}. When I was reaching the end of the loan after making all payments on time, they blocked me from being able finish the last 3 months of payments. I defaulted. Well they reached out and forced me into a refinancing that loan causing me to start my payment cycle from the beginning. This time made all payments on time and they have blocked me from being able to finish making the payments. The website will not allow me to make a payment because they want me to refinance this same loan from last year to continue making payments. I do not want to do this I want to finish paying this loan off and be done with them. All my payments have been made on time as the requirements of the contact. Last month they called me 2 days after my loan was due asking me to pay them more money. When I had made the payment two days before. The loan place is Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Their phone. Number is XXXX if I was to default on my loan they would file a law Suite against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to UPDATE ITEMS that is 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 UPDATE any ITEMS or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again. Below the Innacurate Items. 

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

Transunion has failed to remove this unfamiliar account from my report. I contacted Transunion and XXXX Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from Transunion. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, Transunion has yet to comply. Please delete XXXX XXXX from my Transunion report Account number XXXX