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

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Midland Credit has called me repeatedly using various phone numbers over the last week. They called my husband ( also on do not call ) on XX/XX/2019 asking for me as well. 

Today XX/XX/2019 I asked for the name of the person calling - XXXX XXXX - and asked for his supervisor 's name and he refused. This XXXX XXXX kept asking me if he could record the telephone call. 

I have no outstanding debts. I have excellent credit. I have frozen my credit. There is no reason for them to call me.
Product: Money transfer, virtual currency, or money service

I have a mortgage with the XXXX XXXX  company, During XX/XX/2024 I made XXXX mortgage payments to XXXX of {$2000.00} each. XXXX says they never received my payments. 
I got copies of the XXXX cashed checks from my bank that issued them. The checks were made payable to XXXX XXXX. The back of the cashed checks show they were cashed by the JP Morgan Chase company. 
I contacted the JP Morgan Chase company and they refused to track down the XXXX checks that were cashed with their signature on the back of each check. 
I think that the JP Morgan Case company is committing fraud by cashing my checks and not remitting the funds to the XXXX XXXX  company.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told experian, XXXX, and XXXX to reinvestigate these accounts Account Name : ( XXXXXXXX XXXX ) Account Number : XXXX report inaccurate Account Name : ( XXXX XXXX  XXXX ) Account Number : XXXX Account Name : ( XXXX ) Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing improper use of credit. 
displaying in correct paid closed accounts. negatively which is violating the following bcc laws 604 u.s code 1681 b section 605 a 15 u.s code 1681 c-1 section 605 b 15 u.s code 1681 c-2
Product: Vehicle loan or lease

On XX/XX/XXXX I Puchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI was given false and deceptive information, as I was informed that a down payment of {$1500.00} was needed for me to drive off the Lot.Notice that Pursuant to 15 U.S.Code & 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.Pursuant to 15 USC & 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.Furthemore, the down payment reimbursement of {$1500.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX that XXXX XXXX XXXX U, XXXX, XXXX & XXXX ( XXXX ) : upon receipt of rescission, I am not liable for any finance charge or other charge, and any security interest becomes void effective immediately.Take further notice that XXXX ( XXXX ) days after your receipt of this notice, you must return any money or property given as XXXX money, down payment, or otherwise.Also, you take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property ( Car ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to submit an account that has been charged off over 5 years ago and the credit bureaus continues to update the information as though it just happen this year. The car was voluntarily surrendered in XX/XX/ ... ..No payments were made after XX/XX/ because employment was tremendously slowed with my wife business. The credit companies continue to allow XXXX to report this on our credit report to extend the length of time they are able to report this and We would like for it to stop immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX American Express recevied the wrong payment amount of XXXX. I first contacted the bank and complained about this because the payment from the bank side was just pending. The bank said they wouldnt be able to do anything because the payment hadnt posted. I contacted American Express and notified them not to process the payment cancel the payment and they quickly processed the payment. Quicker than usual. Once the funds where taken from my bank account, I called American Express XX/XX/XXXX, and I was told by a representative ( XXXX ) that the check would be mailed the next day. Instead of mailing a check they have deducted funds from the balance so far a total of XXXX and still are holding on to my money. The account was not past due and a payment was not even required. They had already received a total of XXXX and where only owed XXXX to be exact but American Express was stealing money from me because they where taking payments from me but where not updating the balance. I have complained multiple times about this but have only received the runaround. So far I am owed XXXX American Express has also been taking payments but hasn't been updating credit card balance accordingly
Product: Debt collection

I received a letter from the law firm Lloyd & McDaniel , PLC on XX/XX/XXXX stating my account from XXXX XXXX had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with XXXX XXXX. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 stated a consumer reporting agency can not furnish a account without written instructions.
Product: Mortgage

I do not know the name of the bank. I will provide the address to the home. Over the last four years, I have worked on undue influence that may have been done because I am a XXXX XXXX. Doctors have worked with me to help a great deal. Though I have many areas to resolve and this is one of them. 

The mortgage company was sold. I worked with the existing one to get caught up. Due to my injuries and not knowing about them I would become fatigued. 

They would not even acknowledge that my ex-husband was supposed to assist with these matters in court documents. I am not sure where he ever went to though and got very little assistance in that matter. 

Address of the house XXXX XXXX XXXX XXXX, Ohio XXXX under the name of XXXX XXXX and XXXX XXXX XXXX XXXX. 

Court documents show his pension was to go to child support and he was to assist paying for the siding and the housing payment until it was sold. none of these events occurred.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized hard inquiries on my TransUnion credit report. I demand under the Fair Credit Reporting Act FCRA : Section 604 : 1. Permissible purpose, 2. My written authorization 3. Proof that I personally initiated this inquiry.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry to this matter.

I demand DELETION of the following unauthorized inquiries on my TransUnion consumer credit report. 

1. XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX via XXXX XXXX XX/XX/XXXX
Product: Student loan

I had 5 Parent Plus non-subsidized loans ranging from XX/XX/XXXX thru XX/XX/XXXX. In preparation for repayment after Forbearance ending, I applied to consolidate to make a single full payment. The process to get approved for consolidation took longer than expected, so I ended up making the individual payments to EdFinancial and received the full payoff confirmation. Payment was made for {$42000.00} on XX/XX/XXXX. Now, EdFinancial is saying I have a new consolidation loan for {$9700.00}, ironically disbursed on the same day of my payment for the total amount owed. I called them and they were not helpful. Referring me to StudentAid.Gov. They will not say where the {$9.00} was sent because they say they don't have any visibility.

I called StudentAid.Gov and the agent worked with me to understand the situation. We believe I paid off the loan before the consolidation was fully processed and this is in error. 

I submitted a feedback case to Federal Student Aid on XX/XX/XXXX and it is still in process. Feedback Case # XXXX
Product: Credit reporting

I have been disputing identity theft with a XXXX account that was fraudulantly opened up in my name. I disputed this information with all XXXX credit reporting agencies. XXXXtransunionXXXX. I have also attempted to contact XXXX ( I have no acct number ) to report this theft. I also requested a fraud form to fill out for there investigation as this happened to me with a XXXX credit card as well. XXXX sent me a fraud investigation form which I filled out and returned so they can do there investigation. I received confirmation that they did there investigation and it was proven that I did not open this account and it was fraud and it is to be removed from my credit reports. However XXXX has still failed to send me the form and the credit beaurous just keep updating the incorrect information. I am fustrated and aggravated that I am spending countless hours and time trying to get this fraudulant information off my credit reports. I am submitting this complaint in hopes that they finally do a proper investigation and remove this from my report as it is affecting my credit score and affecting me in obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX. How can a consumer accrue late payments if the account has already been paid? I previously requested that the XXXX Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX2024 Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXX XXXX  XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as TransUnion, with reports of 30, 60, and 90+ day late payments during the same timeframe. 
XXXX : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within 30 days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I submitted a fraudulent complaint and bank denied me access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureau ( EXPERIAN ) letters asking them them to verify the fraudulent items on my report. Each time they update the file stating that everything is verified correctly. My credit report is still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. 
Accounts are below. EXPERIAN is the only CRA reporting this! XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The credit Bureau XXXX EXPERIAN ) stated my account was properly investigated but how is that possible if the items don't belong to me nor does the information that there reporting is accurate. Nothing about these accounts are accurately accountable to be on my credit report. This is ground for removal, they also violated my rights under 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 1681 B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. 
I sent my last dispute on XX/XX/23 certified mail. Tracking # XXXX : My Attorney General in Wisconsin is involved also, they are the ones that told me to pursue litigation as they are investigating all CRA 's in my behalf. Paperwork from them will be included as well as Experians negligent response.
Product: Debt collection

The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency. 
I closed that checking account and opened a new XXXX. 
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
Product: Money transfer, virtual currency, or money service

I recently was accepted to a job that was labelled as a XXXX XXXX XXXXXXXX at XXXX XXXX XXXX. However, on XX/XX/XXXX, as part of my onboarding process to buy office equipment for the job I sent a payment of {$1300.00} to XXXX through XXXX. On XX/XX/XXXX I sent {$700.00} according to instructions. I was scammed, because I was told that she was a vendor. Moreover, it turned out that the people who were " helping '' me through the onboarding process, were illegitimate imposters who were impersonating the legitimate company, XXXX XXXX XXXX. These impersonators have now received {$2000.00} from my bank account, and I obviously did not receive any office equipment. I can not receive a refund through XXXX because the transactions were authorized. I called my bank multiple times to try to resolve it, but they have determined that no action will be taken. I filled reports on XXXX about the fraudulent scam I got attacked by, but I haven't found any method of recourse. {$2000.00} is a big deal for me right now because I am trying to get through college and pay my expenses.
Product: Credit card

I have cancelled a flight with XXXX in which I used my Barclays JetBlue credit card in the amount of {$340.00} plus my original XXXX points of XXXX ( which they say is the equivalent to XXXX in XXXX points ). I was refunded the XXXX in XXXX points but not the actual credit of {$340.00}. If XXXX XXXX XXXX is the equivalent to {$75.00}, how can XXXX XXXX points be the equivalent to {$340.00}. I would like to get a refund of the {$340.00} in full since I cancelled my flight. The flight reservation/confirmation number is XXXX. Thank you.