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

I reached out to the Bureaus on : XX/XX/XXXX because I saw an error on my credit report regarding account XXXX. This is an account that belongs to XXXX XXXX XXXX XXXX problem with this account is a representative and I had a phone call on XX/XX/XXXX to settle this account where I agreed to pay the complete balance in exchange that they would delete all negative information regarding this account. The agent agreed to it so I made a complete full payment. I didn't follow up with them believing that the matter was resolved. However, I saw my credit report XX/XX/XXXX where the Bureaus is still allowing this account to remain on my credit profile. I also followed up with XXXX XXXX XXXX about this account to see what was going on. They sent me a letter explaining that the account was placed with " XXXX XXXX XXXX '' XX/XX/XXXX because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. One of the problems with this is my credit report Reflects XXXX XXXX XXXX XXXX having this account from the time the account was opened XX/XX/XXXX until present time. According to the letter that XXXXXXXX XXXX sent me. This is untrue. I have the right to a credit report this is 100 % accurate. If this account was indeed placed with XXXX XXXX XXXX in XX/XX/XXXX then this account should reflect that on my credit report. It doesn't. According to my Credit Report XXXX had this account from the time it was opened to present time. This is inaccurate account according to XXXX they didn't have this account beginning XX/XX/XXXX. However, the Bureaus continue to allow this account to be on my Credit Profile as " accurate '' and " verified ''. The second problem with this account is the FDCPA has a guideline for companies to follow when attempt to collect debts that are owed. This company not only violated my right by sending this account to a third party company that I wasn't informed of but violated sections 805, 807, 808, and 809. A company can not use deceptive means to get collect a debt which is what XXXX and XXXX XXXX was using. In the letter XXXX sent me I was talking with XXXX XXXX about this account where the agreement was made that they would remove all negative information regarding this account instead of XXXX this is why XXXX can't find the call. However I knew nothing about speaking with a third party. In addition This account isn't verified, it isn't accurate, and needs to be removed Immediately. I will be including the letter I received from XXXX which shows this account is embezzled. This needs to be removed IMMEDAITELY.
Product: Credit card or prepaid card

I received a letter in the mail that my current Walmart Card which is still valid and open will be transferred to Capital One. I am using the same card and account number and my account is not closed. XXXX XXXX is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with Capital One which is the same account and card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports a bankruptcy filed in 2013. This information is false. I have never had a bankruptcy. This bankruptcy belongs to someone else with same name.
Product: Consumer Loan

on XXXX XXXX 2014 I made a loan to avant inc. website is www.avant.com in the amount of {$3000.00} loan Id is XXXX. As of XXXX XXXX my pay off amount was {$1000.00} which I had already paid it and it was already taking off my bank account. However avant has not closed my account loan. I made several attempts to fix this issue with them but they give me a run around. I send them emails and called there customer service and no one has giving a resolution to my issue. XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XX/XX/2021. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.
Product: Credit reporting or other personal consumer reports

Card was stolen. Spoke to company to replace it and was never sent. Was told I would get late charges removed from those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I need this information to be verified, because I did not open any account with this creditor.
Product: Student loan

My name is XXXX XXXX, and I applied for deferment and or forbearance in late XX/XX/XXXX. I received an email stating this. Deferment/Forbearance Summary Account Number : XXXX Name : XXXX XXXX Date : XX/XX/XXXX Action Type Begin Date End Date Approved General Forbearance XX/XX/XXXX XX/XX/XXXX I then got a letter stating Notice of Repayment Schedule Change Your repayment plan or schedule on one or more of your loan ( s ) has changed. 
Your new monthly payment is now {$360.00} and will begin on XX/XX/XXXX. 
Your Repayment Plan is : STANDARD Please review the Repayment Schedule below which includes your new minimum Monthly Payment Amount, Total Number of Payments to be made at that amount, and your Due Date. 
New Repayment Schedule* Number of Payments Payment Amount Payment Start Date XXXX {$360.00} XX/XX/XXXX I was led to believe that my loan was going to be placed into forbearance for a year as stated above and mohela send me this letter on XX/XX/XXXX, my account number is : XXXX. I would like to have my general forbearance for a year as promised by mohela as I am taking care of my family and an ill bf who is not working. I don't understand how they can take my loan out of forbearance and deferment when I was almost approved for the forbearance and or deferment by mohela. I have enclosed the notice of my forbearance being approved and the notice f the date changing of my payment date.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
1. 15 U.S. Code 1692g ( b ) Disputed debts - Validation of debts XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. Did not consent to unauthorized inquiry 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Account Number : XXXX Please remove it from my credit report. 
Sincerely yours, XXXX XXXX
Product: Checking or savings account

Cash App financial has held my money through a hotel hold. After my hotel stay, the financial app instructed me to furnish a final bill to show that their was a XXXX balance, and therefore can release my funds. I did that, and the hotel confirmed funds have been released. Then the financial app told me I had to wait within 14 days for funds to be released. It has been 16 days and yet they still refuse to release my funds. Ive exhausted all means in trying to retrieve my funds.Their customer service are unprofessional and discourteous. Thank you for your attention in this matter.
Product: Student loan

I paid {$500.00} per month for 10 years on my navient loan and none of it went to principal
Product: Payday loan, title loan, or personal loan

They signed me up for a loan without my knowledge. I received an email stating I needed to confirm my identity to claim/confirm it. However- I NEVER contacted them or requested a loan from them. They seem to have put me through the process without my express permission. 

I did reach out for a 'pre-qualification ' at XXXX and XXXX XXXX auto navigator. The timing is suspect- I suspect someone is doing something less than legal/savory and passing on consumer information to people in order to get a finders fee from legit lenders like Avant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX a settlement on XX/XX/2017 of {$500.00} the have not reported this to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

My name is XXXX XXXX XXXX I lost my job XX/XX/2023, XXXX of 2023 I was back at work and I want to state that I want to keep my home. I paid {$5000.00} in XXXXXXXX XXXX XXXX I was told to apply for mortgage assistance program which I did and they approved me and Select Portfolio Servicing wanted me to pay {$5200.00} a month and I explained I would not be able to afford that amount. I told my relationship XXXX I wanted to make a {$9000.00} payment to get that monthly amount down. My relationship XXXX said I could cancel and reapply and I was told that may lower my payment, I made the {$9000.00} payment and cancelled the old assistant program agreement. Now Select Portfolio Servicing is telling me they can not and will not work with me to get my mortgage current. I have more money that I want to pay but Select Portfolio Servicing is telling me the only thing I can do is make a full payment.
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies in my credit report related to American Express, as reported by XXXX. The report mistakenly includes late payment entries that inaccurately reflect my payment history. These errors are adversely affecting my credit score and financial reputation. 

Initial XXXX Date : The discrepancies were first noticed on XX/XX/2023, during a routine examination of my credit report. 
Dispute Initiation : I sent a formal dispute letter to American Express on XX/XX/2023, outlining the inaccuracies and demanding immediate correction in compliance with the Fair Credit Reporting Act ( FCRA ). 
Specific Discrepancies : The erroneous entries include incorrect late payment notations for the periods of XX/XX/2023 and XX/XX/2023. 
Expected Correction : I requested the removal of these inaccurate late payment entries and an accurate update to my payment history. 
Response from American Express : As of today, XX/XX/2023, there has been no response from American Express regarding this issue. 
Impact : The inaccuracies have resulted in significant financial setbacks, including higher interest rates on new credit lines. 
Repeated Attempts for Resolution : Additional follow-up communications were sent to American Express and XXXX on XX/XX/2023, but the issue has not been resolved. 
Despite exhaustive efforts to rectify this issue directly with American Express, I have not achieved a satisfactory resolution. Consequently, I am seeking the CFPB 's assistance to ensure that my credit report accurately reflects my financial conduct and that American Express complies with the FCRA.
Product: Debt collection

The agency placed information on my credit report regarding a debt that was satisfied 5 years ago. This is the 5th collection agency to contact me regarding the same amount> The company also failed to notify me of the debt or present any signed contract that I have with Consumer Adjustment Company.
Product: Debt collection

I have an unverified account from SYNCB/SAMS CLUB. I had previously disputed this account. I have never done business with SYNCB/SAMS CLUB pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/SAMS CLUB Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/SAMS CLUB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I contract a student loan from MPower Financing and the loan repayment is managed by a third party called XXXX XXXX. My loan amount is {$57000.00}. including fees. I started making interest payments on the loan on XXXX XX/XX/year>. I have made four equal interest payments of {$310.00} till XXXX XX/XX/year>. I started making $ XXXX monthly payments on my loan interest from XXXX XXXX till date. 

The issue that arose was that, I have submitted my social security number to XXXX XXXX for my interest payments to reflect on my credit report. Still, as of now, I have not seen the interest I am paying on my student loan from MPower financing reflected on my credit score and credit report. 

I complained to XXXX XXXX and they told me they had submitted my credit details and payment history to the Credit Bureau for my credit score and credit report to be updated but none of that has been reflected on my credit report. XXXX XXXX then direct me to reach out to the department of Credit Bureau for assistance on my issue. 

I will be glad for your kind assistant in resolving this issue. Thanks for your corporation in advance. 

Thank you. 

XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Texas Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation concerning unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has come to my attention that JEFFERSON CAPITAL SYST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information.

I assert with absolute certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws.

I demand that JEFFERSON CAPITAL SYST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

I received a payment for services rendered of {$1000.00} the customer opened a claim on XXXX XXXX to try to keep the services that were completed and get his money back fraudulently. I sent papal all the proof that work was completed, and the customer had contacted me the day he refund was requested and never mentioned a refund. Subsequently I sent a payment of {$220.00} from my account to XXXX XXXX XXXX when that payment was sent there was no notice that the negative balance would be added in addition to that transaction. Since then the account I sent the payment through has been made negative and when they try to transfer it alerts them that balance would be added to the transaction and the total amount. 
I want to know when that feature was added because it was not there when I placed my transaction. I'm asking that paypal refund me the balance they took because no prior notice was given and it was put on the back end of my transaction. Even if you look in my ledger with them it shows XXXX not the balance they added after the fact.I have attached what it looks like today if your account is negative it gives you a warning that the balance owed will be added to your transaction. I was not given that so I'm requesting they refund the balance to my card that they took without warning.
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX XXXX Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( Merchants Bank ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance whith the fair credit reporting act XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 SECTION602 A. STATESI HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I will break this down from the overall issue first and then give my specifics points of proof afterwards. 

Basically, my credit score, for whatever reason is grossly understated. My credit score is a XXXX, and I have over 17 years of credit history, which the credit history in my report is marked excellent. As of XXXX I went to trade in a vehicle and could not even get approved without taking on the most ridiculous terms I have ever seen. So when they ran my credit, I at that time had the current car loan of {$19000.00} on my report, and two credit card bills. 
First, I have a XXXX XXXX credit card bill which gets paid off in full every month usually around the amount of {$2700.00}, and last month I actually overpaid the balance. So when the credit report was pulled my wells charge had been paid 14 days prior to running my credit, yet it was showing as an outstanding balance! I have talked to others who have paid off Accounts, and within a day or two that amount comes off their credit report. That said I have one other credit card balance in amount of & XXXX which I have had trouble paying but have made small payments. So fast forward two months and at this time the $ XXXX car loan was no longer on my report as it was paid off when I traded in car, which I needed a co-signor for. At this time it had said my credit score had gone down a point to XXXX!?! How does a $ XXXX outstanding loan get paid off and someones credit score go down? Doesnt make any sense. Now at this time my wells credit card bill was on this report as well but a different balance, but again had been paid off over 10 days at this point but still showing outstanding. I have had this bill for years, and never once missed a payment, That said the example that I am going off is my fianc, who happens to have no credit history, not like mine of 17 years, has outstanding student debt, has missed many payments, have had ex partners open lines of credit in her name, and yet she has a higher score then me!? Has never even had a credit card!! And her score is isomewhere near XXXX! That flat out doesnt make sense. I have had years and years of cable bills, utility bills, credit cards, car purchases, maybe one Collection years back, but years and years of credit history, all of which shows paid for all these accounts, and yet she has a higher score than me? I have one outstanding balance for this other card of {$3000.00}, but besides that there are people with {$50000.00} on outstanding balances and multiple open accounts, and they have higher scores than this. 
Basically something isnt right here, somewhere somehow an algorithm or something has calculated my score in correctly, and I really need this to be fixed. I am a father of XXXX and I know how important good credit is. I am afraid that I wont be able to get this fixed. I have all the supporting information to back up the above information. The report I have been looking at is thru my XXXX XXXX XXXX  account. 
Please let me know what can be done about this, and how to proceed. 

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

I have on numerous times sent by certified mail requested XXXX and Transunion to validate the XXXX  collection account as I have no knowledge of this account. This account XXXX belong to my XXXXXXXX. All I get back from these XXXX credit bureaus that its " factual and updated ''. Why does this means? Why can they not send proof such as signed contract? Please demand these XXXX bureaus to comply with my numerous requests for validation. I have attached proof of my requests/communications with the bureaus. I am trying to work with them without success. As a consumer, my rights have been violated under the FCRA XXXX.