23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2018 Earnest approved me for a {$50000.00} loan which was deposited as agreed upon and paid back in full within 2 months. During this approval and payback not once did earnest send this information to all credit agencies to report this account and perfect payment history. 

They have still refused to report this good standing paid back loan to my history as I am entitled to as a consumer and protected via FCRA and US code subchapters. 
They took my money with interest back and decided to damage my credit history by this action for any future personal loans. When asked via multiple attempts to fix this issue they refused. 

I have attached all proof.
Product: Credit card or prepaid card

Hello Capital one credit card every month charge me over {$35.00} dls for purchase fee even if not used the card I'm always make my payments on time
Product: Debt collection

Despite repeated notifications, DirecManagement continues to report that it is collecting a debt that I do not owe. Initially, they reported to debts owed to XXXX XXXX XXXX XXXX, XXXX for {$250.00} and the other for {$41.00}. XXXX these debts were paid directly to XXXX XXXX XXXX XXXX directly some time ago. I have disputed the collection accounts XXXX ; DirecManagement appears to have deleted the {$41.00} collection but verified the {$250.00} collection as valid. I never paid DirecManagement any money nor do I owe them any money. They are continuing to damage my credit for a debt I do not owe. They have failed to respond to any of my letters to them but continue to report negative information on my credit files.
Product: Payday loan, title loan, or personal loan

Since XX/XX/2021, I have been receiving an abundance of solicitations for personal loans via mail from BHG XXXX. I have requested to be removed from their mailing list multiple times ( via phone, email & postal mail ) to no avail. I have resorted to sending back all postal solicitations via mail, that has not helped. Im requesting assistance in having my contact information removed from the mailing list at BHG XXXX. The last correspondence I received has the following invite code : XXXX
Product: Checking or savings account

Scammer was pretending to be one of my friends on XXXX selling a car. They asked for {$400.00} to hold the car so that noone else could place an offer. I sent the money via XXXX but XXXX said there was an issue processing the transaction. After I told the seller the transfer had failed they called with an accent and asked for an XXXX gift card. This is when I realized that my friends XXXX account had been hacked and this was a scam. I filed a dispute with venmo which came back as denied because I " sent money to the wrong account ''. I advised them that it was not sent to the wrong account, but that the seller had misrepresented themselves as someone I know. Even though XXXX had told me the transaction wasnt able to be processed, it had cleared from my venmo account which means the transactio had truly processed. I tried to explain to Venmo that they had violated regulation E but they denied my claim.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

XXXX has placed an account as derogatory on my credit report and placed this account with ERC collections on XX/XX/XXXX stating there was an account opened with them on XX/XX/XXXX this was also reported on XXXX and XXXX but then gave a different date reported to XXXX stating it was opened XX/XX/XXXX it is apparent that there is an inaccuracy here on dates. I have no knowledge of this account or any agreements made with XXXX or ERC the address on file is not my address. I have requested any signed contracts to validate any agreements to this debt from ERC Collections they stated they do not have any of these documents to prove this debt in accurate or belongs to me. I am requesting this account is immediately removed from all credit bureaus due to inaccurate information, inaccurate opening dates and lack of evidence validating this debt. 

XXXX account # provided is XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a Family Member was in dire straights for money. We both have Cash app ( I don't use it much ) I first tried to send {$1000.00} ( didn't realize more than the allowed ) so I sent 2 separate {$500.00} transfers to the wrong USER Id.. The correct User was XXXX When typing it in the app auto populated to $ XXXX that I didn't notice until My Family member said she didn't get the money. I called my Bank XXXX XXXX to try to stop the 2 transactions and they opened claims on my account. I requested refund from the erroneous user and they declined. I reached out to CASH APP on the Support tabs probably 10 time. I could tell it was an autobot, they were answering the same verbatim basically nothing they could do. My bank refunded me {$500.00} but for only 1 transaction. In there Investigation report, CASH APP sent that I received goods and/or services, which is not a true statement. Then they provided the User 's email ( not a good email ) and a phone number ( not sure It is the correct number, though I have left messages ) My bank will do nothing and they urged me to reach out to CASH APP because they are supposed to verify Users correct contact info. So, I did just that with an email to CASH APP Support and the email comes back as " THIS IS NOT A MONITORED EMAIL '' NO OTHER WAY TO CONTACT. I feel they owe me money back as it appears they did nothing to help with this fraud.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Failing to Address Fraudulent Accounts D Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Complaint Overview : I am submitting this complaint regarding Experians failure to address fraudulent accounts reported on my credit report. Despite providing legally binding evidence of identity theft, including an FTC Identity Theft Report and an IC3 complaint, Experian has failed to appropriately investigate or remove the fraudulent accounts.

Details of the Fraudulent Accounts : The following accounts were fraudulently opened without my authorization as a result of identity theft : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) I previously disputed these accounts with Experian and provided comprehensive evidence, including : 1. FTC Identity Theft Report 2. IC3 Complaint Report Additionally, the XXXX XXXX account was reported to their Fraud Department, but they failed to act appropriately under the Fair Credit Reporting Act ( FCRA ).

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian has failed to : 1. Conduct a thorough investigation of my dispute.

2. Remove fraudulent accounts despite sufficient evidence.

3. Fulfill their obligations to maintain accurate credit reporting as required by the FCRA.

Resolution Requested : I request the CFPB to compel Experian to : 1. Investigate and remove all fraudulent accounts from my credit report, including XXXX, XXXX, XXXX, and XXXX XXXX. 
2. Provide a corrected copy of my credit report.

3. Ensure adherence to FCRA regulations regarding consumer disputes.

Supporting Evidence : I am prepared to provide the following documentation to substantiate my claim : 1. FTC Identity Theft Report 2. IC3 Complaint Report 3. Copy of my government-issued ID 4. Proof of address ( e.g., utility bill ) Contact Information : I can be reached at XXXX or XXXX XXXX
Product: Mortgage

I have a loan modification loan for the past 2 or 3 years and i was told that it has taken care of the second on the loan also. i have not seen any negative statements on my credit file concerning this matter. Now i have been sent a letter o notice of default and intent to accelerate against me on my home. it says total payments due for 87 months XX/XX/2008. the principle is XXXX and interest is XXXXlate charges XXXX. I have no idea about any of this claim. all i know is that i had a loan modification and only XXXX bill to pay because it was taken care of by the loan modification.
Product: Debt collection

I received a bill from this company to try to collect {$60.00} for XXXX which I did not use or have no knowledge of.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

This creditor Check N Go ( XXXX ) was initially contacted with all the other creditors in XXXX 2016 to inform them of the bankruptcy filing. This creditor has updated their reporting to XXXX credit bureau incorrectly. The creditor reported for nearly a year of a Failure to Pay ( FP ) just ending in XXXX 2016. On XXXX, this creditor is reporting the bankruptcy as starting on XX/XX/XXXX2016. They need to update the information please.
Product: Debt collection

I made a final payment of {$930.00} on XX/XX/year>. I kindly requested to get this collection account deleted on all reports regarding XXXX, XXXX, and XXXX. Additionally I requested a written confirmation of the account paid status.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : XXXX XXXX  XXXX # XXXX XXXX # XXXX Closed Account : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a credit card company, Capitol One, that is suing me for a credit card that was not my account. I began by filing a fraud affidavit for this company, to later be notified that a trial is beset for this credit card that has been fraudulently established in my name.
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 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiries have violated my rights.

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

15 U.S.C. 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. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I requested for my FHA PMI to be taken off because I thought I met all the requirements. I received a letter from wellsfargo stating that I have met the 78 % LTV and the five year requirement but have payments more than 30 days past due in the last 12 months. I was never late on any payments except for when Covid 19 started when my wife lost her 2nd job because of Covid and put our mortgage in forbearance. Fortunately we were able to recover right away and current on our mortgage. I didn't know that this can also affect me eliminating my PMI. This was never disclose that PMI will be affected. Wellsfargo was giving me the run around saying that FHA will not let me cancel PMI which I believe the lender is the one who benifits from PMI and not FHA. Wellsfargo been making excuses for me not to get rid of PMI even with our equity been up because of renovations 80 %.
Product: Credit card

My latest call was today. I have frequently had the same issue. My payment is submitted through XXXX XXXX XXXX bill pay. They frequently don't process the payment and then charge a late fee. This cycle the payment was mailed XX/XX/XXXX for a delivery date of XX/XX/XXXX. The payment was due XX/XX/XXXX. They still have not credited my account and said it will probably be tomorrow. They are claiming that it takes 7 to 10 days to process the payment AFTER they receive it. They have the payment. This is fraudulent activity in order to be able to collect a {$29.00} late charge each time. I have had many other credit cards and they have all been paid the same way. I have NEVER had this issue with any other credit card. It also doesn't seem to matter how far I keep backing up the payment. They simply won't cash it until after the due date.
Product: Credit reporting or other personal consumer reports

I filed a FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681. Ive sent this request of removal to all XXXX credit bureaus.
Product: Debt collection

I had an account with XXXX XXXX and suddenly was shut off for a past account they overlooked and never brought to my attention before starting services with a new account this mistake on their behalf caused them to forcefully discontinue my service and blatantly lying on paper by insisting I requested to shut off service this practice is unconstitutional and I feel violated I was never informed of the shut off and I would have never request to shut off the service. When I spoke to many people they all have expressed similar dislike of how XXXX does there services and since debt collector True Accord has been trying to collect on a debt they clearly have no right to. I made one attempt to let them know to restore my service and I would work out an agreement that fits best. The fact that XXXX has went to such an extent and even after being consistent with my service to them discontinue my service without any kind of notice is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that XXXX let a foreign goverment steal my data. It would be nice if your agency could close this loop.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX I went to Bank of America to withdraw {$1000.00} from ATM machine. But the machine shows the transaction was cancelled and the money not coming out from the machine. I tried it twice and still no money coming out. Then, I checked my online bank account and it showed that the money has been received. Then, same day I called the Bank of America to file a claim and they said wait for 2-3 business days to receive the {$1000.00} credit from the money that was supposedly withdrawn. But, I called back in two weeks and based on their investigation on the video, they made their decision that the money was withdrawn.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2020 I was inundated with threatening calls and USPS collection notices for a debt that had been charged off by XXXX XXXX  was now under a collection of NCB Management from XXXX, PA. They put it on my credit report, not as XXXX XXXX  but as a collection agent which is not authorized to collect anything in the State of Florida or for that matter, anywhere but in Pennsylvania. Having them do this to me I subsequently lost my employment because of this item, when I do not have any other negative marks on my credit. 

I notified them as pursuant to fair credit reporting act a listing of items that I wanted proof of and also informed them that they have to remove it from my credit report until legally resolved. 

This is pure harassment resulting in the loss of income, loss of a job, loss of dignity and I find out that what they are doing is against the law AND HARASSMENT OF A SENIOR CITIZEN which is against Federal Law. 

It is a violation of the Fair Credit Reporting Act It is a violation of The Fair Debt Collection Practices Act Defamation of Character Loss of Employment due to this specific negative item in credit report. 

They have not answered the legal complaint and as such their practices should be null and void.
Product: Debt collection

Im writing in regards to an account that was used in my name to collect funds that I did not authorize. The company name is WORLD FINANCE CO which was open on XX/XX/2020 for the amount of {$590.00}. I have tried to resolve this with the creditors itself but they have told me to call credit company instead but definitely need this off my report because its not my account as well as other account that was used in my name. Since l lost my wallet in XXXX of 2020 my identity has been breach and credit cards has been getting open in my name as it is affecting me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well after 2 plus hours on the phone I have been hung up on. I haven't been able to get any card, loan, eat. In my name says that my info doesn't match what is on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. 

They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. 

They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. 

Santander has no reason to disqualify my account from the settlement and deny removal. 

Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGMENT has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g
Product: Credit reporting

Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as XXXX days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of XXXX days in a month of XXXX days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.