23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX 2016, I received a letter from Bank of America stating they had a new bill payment system and to log in and sign up. I logged in and saw that my bank account info was already in and ensured it was correct for auto payments. I then changed over to paperless billing. Fast forward to XXXX 2016 and I tried to use my card and it declined. I logged in on XXXX/XXXX/16 and noticed I was late for a payment from XXXX/XXXX/2016. I immediately made the payment and tried to check my online payment system, which seemed to have my correct bank account. This 30 day late was then reported to my credit bureau on XXXX/XXXX/16, which dropped my score dramatically. Problem is, after further review I never received an alert saying I was late and I wondered why my online auto bill pay did n't work. I called CS on XXXX/XXXX/2016 and was forwarded to the tech dept. After repeated attempts to reset my account to make the online bill pay work, the tech gave up and decided I would need to fill out a paper form to get set up. I then asked if the 30 day late mark on my credit could be removed and received a call back from their credit department saying no, even though my account was investigated today and it was found to have a glitch which is why I thought I was setup for payments and alerts and I 'm not! I was receiving alerts up until XXXX 2016. My alerts stopped once I tried " their new bill payer service '' which turned out to be the worst mistake of my life. My husband is a veteran of the XXXX XXXX and we are 60 days out from closing on our home we are building and our VA loan officer says this may put our home into jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I was a customer for many years. 
We have cottage at XXXX Ohio. We open it up in XX/XX/XXXX And close it in XX/XX/XXXX. In late XX/XX/XXXX I Packed the equipment and sent it back. I call XXXX and said we were done for the year. They continued to bill us until XX/XX/XXXX. I tried to fight it but they would n't agree. I do n't owe these extra charges.
Product: Credit card or prepaid card

Someone used my credit card without my authorization, They changed all my information on my account without my authorization. This credit card company states that the only person who can change information on my account is me- therefore Barclays of Delaware allowed someone to change all my personal information on my account- causing me to be locked out my own account. This is a breach in their privacy policy act and now this company wants me to pay for their mistake. My card was used without my knowledge or conssent and this company talks so rude when I called to report it. This company made me feel like I DID SOMETHING WRONG FOR STOPPING IT. Now this company has tottally messed up my credit report and put this account as a chargeoff now its on my credit report. I have sent in numerous letters asking for validation, and alot more things but this company just states the debt is mine along with the 3 major credit reporting agencies. I HAVE REACHED OUT TO IDENTITY FRAUD.GOV, AND NOW YOU AGAIN. Just because I am a foreigner to this country- I GET TREATED SECOND HAND AND LIKE A LIAR. This credit card company has every phone conversation and I asked them to play back all phone conversations relating to this Identity fraud phone call and tey tell me that can not do that. Only because they are in the wrong with this and this company breached my rights and my Privacy and it can be determined in that phone conversation. I HAVE ALWAYS PAID MY BILLS ON TIME AND THEY KNOW THIS -- MY PAYMENT HISTORY WITH THIS COMPANY SPEAKS VOLUME AND I CAN NOT BELIEVE I AM GOING THROUGH THIS WHEN IT IS CLEARLY NOT MY FAULT AND ALL CHARGES WAS UNAUTHORIZED -ESPECIALLY ME GETTING LOCKED OUT MY OWN ACCOUNT. COMPANIES SHOULD NOT BE ALLOW TO DO THIS ANF GET AWAY WITH THIS. Also, I have XXXX and they told me that my account and my personal information had been changed not Barclays Bank of Delaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors about these inquiries over a month ago and they never resolved the issue or complied with my request at all.
Product: Debt collection

I requested of Global Credit & Collection Inc, all documentation concerning the debt, including ; A complete itemization of all principal, interest, and administrative charges. 
All documentation that defines and authorizes said charges. 
A complete and unedited copy of the promissory note and any other agreements or contracts. 

They failed to provide the information requested. What they sent reflected an amount due that contradicted previous amounts. 

On XX/XX/18, I requested the termination of calls to a particular phone number, and provided them a secondary number to call. GCC ignored my request when calling the first number on XX/XX/18, XX/XX/18, and XX/XX/18. 

In a phone message on XX/XX/18, and in two communications sent via the USPS, GCC failed to adhere to the FDCPA Mini-Miranda Disclosure, 15 USC 1692e 811 ( 11 ). 

As it can be speculated that Global Credit & Collection Corp. conducts collection activities similarly corporate wide, and that XXXX ( the original creditor ) has full knowledge of these business practices, I believe XXXX is culpable and should be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd Complaint before Filing a Lawsuit against TransUnion! There is a fraudulent account on my TransUnion Credit Report with Georgia XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Georgia XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and Georgia XXXX XXXX XXXX is violating the law, Ignorance of the law is no excuse. In conclusion, I have shown you proof and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Also, I have attached supporting documentation from the creditor that the account is to be blocked and removed from my credit file, but it is still reporting. Please remove fraudulent account. Thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

This is a XXXX XXXX XXXX ( XXXX ) administered by the XXXX XXXX XXXX XXXX. The loan defaulted in XXXX, as a result of hardship caused by job loss during the XXXX pandemic. I don't know why it took XXXX XXXX Assistance XXXX XXXX XXXX XXXX this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXX, but nonetheless the loans were " Defaulted '', and Defaulted XXXX loans were supposed XXXX have BOTH a XXXX administrative forbearance until XX/XX/XXXX, AND a moratorium on negative credit reporting until XX/XX/XXXX, as per US Dept of XXXX XXXX orders .... XXXX began reporting my XXXX XXXX  loan to the credit bureaus in XX/XX/XXXX. There was also a XXXX XXXX XXXX XXXX moratorium on negative credit reporting on XXXX XXXX loans, until XX/XX/XXXX. However, XXXX and its collection agency XXXX XXXX XXXX continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted XXXX loans '' until XX/XX/XXXX. They began reporting the Defaulted XXXX loan nearly XXXX  years before the credit reporting moratorium end date, causing housing issues and farther hardship.
Product: Checking or savings account

On XX/XX/XXXX I paid the XXXX  XXXX  company, XXXX XXXX, XXXX to get my XXXX  citation dismissed. They advertise on their website that they rarely lose these cases and if they do lose and you are found guilty, they will refund the service fee. On XX/XX/XXXX XXXX XXXX  completed the document they advised me to submit to the court for my citation to be dismissed and I submitted them along with additional fees for the citation. On XX/XX/XXXX I received a guilty verdict from the XXXX XXXX court house and on that same XXXX  I provided this info to XXXX XXXX  who promised a refund if you are found guilty. XXXX  XXXX  then requested proof of my guilty verdict even though the entire time they can log in to the court house portal and digitally see the verdict because the entire time thats where they were seeing my info form the court. I provided XXXX XXXX  a photo of my guilty verdict the same XXXX  I received it. On XX/XX/XXXX I asked for an update on my refund and XXXX XXXX  responded to this question on XX/XX/XXXX stating I should get a refund in XXXX days. I NEVER RECEIVED ANY FURTHER COMMUNICATION NOT REFUND FROM XXXX  XXXX  THIS IS A SCAM COMPANY. On XX/XX/XXXX I filed a dispute with my bank for the service fee refund and provided them with all documentation from every step of this situation including the emails of XXXX XXXX  saying I should get a refund in XXXX days. On XX/XX/XXXX Capital One denied my dispute in favor of XXXX XXXX  even though I provided proof I was supposed to get a refund including the promise to refund advertised on their website. NO ONE IS HOLDING THIS FRAUD COMPANY ACCOUNTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting Act, The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ; 15 U.S.C 602 ( a ) ; 15 U.S.C 1681 602 A section 2 ; 15 U.S.C 1681 c ( a ) ( 5 ) ; 1581 U.S.C 1681 s-2 ( a ) ( 1 ). 

The accounts are listed with Transunion, XXXX and XXXX incorrectly and they are as follows : XXXX XXXX XXXXXXXX XXXX  Reported Transunion XX/XX/XXXX ; listed as date opened on XX/XX/XXXX and listed differently on XXXX and XXXX as well but with different opening dates. These are not reported the same and are not accurate ; XXXX. DEPT of EDUCATION : There are XXXX different accounts listed under Dept of Education and XXXX XXXX XXXX ; The open dates on Transunion are all listed the same as XX/XX/XXXX, XXXX and XXXX have them all listed with separate individual dates that are completely different from the open dates on transunion. The Transunion report has the dates on all as closed XX/XX/XXXX and then listed as reopend on XX/XX/XXXX. These dates are listed differently on the other two reports and each of the opening dates are different days from the other. None of these reports match opening dates and closing dates on any of these accounts. 

The next account has XXXX listed as the original creditor and XXXX XXXX XXXX as collections agency. The opening and closing dates for this account differ on all XXXX reports as well. They do not match therefore the info inaccurate. 

XXXXXXXX XXXX XXXX  ; This account is listed as opening XXXX of XXXX and states that the account is closed. I am paying on this account from a XXXX fund. It automatically comes from the account every month and its listed as closed on my reports but I am still paying. This accounts dates differ in all 3 credit reporting bureaus and therefore is inaccurate.

My name is also listed differently on all 3 reports. This is inaccurate as well. My last name is not XXXX and hasn't been in over 25 years. This is another inaccurate report and is hindering my getting anything done having to do with my protected info because my name is listed wrong and doesn't match the info I input, which is correct but not according to this report because its wrong.
Product: Mortgage

On XX/XX/ I filed a complaint with CFPB regarding my mortgage servicer, PHH Mortgage Services. CFPB reached out to PHH via an Ombudsman who was able to secure a repayment plan for me on XX/XX/XXXXXXXX XXXX My PHH Relationship Manager made it clear that CFPB was the reason my account was reviewed and approved for a repayment plan. I was offered a 50 % repayment on the balance due. Before they would confirm the repayment plan, PHH requested financial information including Profit & Loss statements, bank statements, social security statement and other income which I provided. I was assured that after they received this information, they would proceed with the repayment plan offer. Without telling me, they started foreclosure proceedings on XX/XX/XXXX, two days after the offer of a repayment plan was made. They did not notify me of their decision to proceed with foreclosure and they now demand a complete 100 % reinstatement of my arrears. PHH did not act in good faith after they replied to my complaint to CFPB. I have the funds for a 50 % repayment immediately as well as proof that my income has recovered and is more than adequate to continue making mortgage payments on time and in full as they demand. Because they did not notify me of the foreclosure, I want to reinstate the repayment plan with the private investor. Only CFPB was able to reach the private investor on my behalf. PHH will not disclose the identity of the private investor to me. It is unlikely that he changed his mind in 48 hours and more likely that PHH decided to foreclose on my house because of its increased value. 


This is not a repeat complaint but a new complaint based on false information that was supplied to me after PHH reviewed my CFPB complaint. I want to go forward with their offer. I am willing and able to go forward with the repayment plan immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please see my attached dispute letter, Id, and fraud affidavit.
Product: Debt collection

On XX/XX/XXXX a wage deduction order was entered for a fine that was owed to the cerks office in the city in which I live. To my knowledge any wage assignment must accompany some type of notice to the respondee giving them time to respond to the notice. On XX/XX/XXXX an amount of {$73.00} was taken from my paycheck. On XX/XX/XXXX I called my H.R. department and they said I had a wage garnishment from the State of Illinois. In which I later found out it was from a debt collecting agency called XXXX XXXX XXXX located in XXXX Illinois. I found out the contact information and contacted them immediately to find out exactly what or who I owed money to. I was informed that it was from a collection for a fine in XX/XX/XXXX. I then tried to make payment arragements all in the sameday, XX/XX/XXXX.I was told buy a very rude gentleman that I could not make payments on the account and it was nothing I could do but to accept the garnishment. My initial amount owed on this old fine was {$2300.00}. I found this out buy going to the clerks office. I called XXXX XXXX XXXX on XX/XX/XXXX to see once again if I can make payment arrangements on the account since the garnishment is causing a huge financial hardship on my family.. I was then informed that I currently owe {$2100.00}. That is an outrageous amount because 25 % of my check has been taken since XX/XX/XXXX. The county clerks records says I owe {$1100.00}.
Product: Payday loan, title loan, or personal loan

This company continues to report deliquent payments on the credit bureau websites despite the fact that I am current. This is causing emotional stress to me because I continuously have to address this. This is a violation of fair reporting. Help all consumers fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect names : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employer : NOT PROVIDED Date Updated : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA  Section 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Product: Debt collection

Im a victim of identity theft. I do not know where this amount came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed numerous letters to the this credit bureau & submitted complaints they claim they verified with the furnisher but after speaking to a representative she stated that they use a system called e Oscar witch is a computer thats not a furnisher so how can this be legal? FCRA states everything must be accurate and a proper investigation must be done. XXXX XXXX XXXX should not be reporting on my credit report. 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: Credit reporting or other personal consumer reports

I've found some unauthorized inquiries on my credit report under 15 USC 16c-2. These inaccuracies are damaging my credit. I kindly ask for the removal of all hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within

24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent admin
istrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : 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 card or prepaid card

Chase Amazon Rewards visa card charged me cash advance interest charge of {$7.00} and purchase interest of {$52.00} on XX/XX/20 after i paid my total balance before my due date which is XX/XX/20. My chase card agreement stated we will not charge interest on purchases if you pay by due date each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 account was brought current, {$820.00} was paid XX/XX/2019 a payment was made on this account, {$190.00} was paid XX/XX/2019 is when another payment is due.Credit acceptance has yet to update my credit report. I spoke with someone from there office who assured me, that it would reflex the payments by XX/XX/2019. This hasnt happened.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

XXXX XXXX : Account number : XXXX, Erroneous. 30 days should be enough to correct Last reported dates. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.