23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I obtained this personal loan in XXXX of XXXX. I did not go through Lending Point 's main website. At the time I used XXXX XXXX to apply for the loan. Lending Point was the one that came up. They approved me for a loan and I paid for the loan, no problem up until now.

I did what most people do, just pay the loan off as normal, making the minimum payment. Despite Lending point 's high interest rates and most of the money going to interest, never had an issue paying on time. I kept up my agreement of the loan. Even in XXXX years time, I have paid a significant amount to this loan. 
Fast forward XXXX years later. What I learned, I probably would have never caught if it weren't for the next chain of events. I applied for a home loan with another institution in XXXX of XXXX. Lending Point does not do home loans I believe. They pulled my credit to see where my debts are. The representative of the bank told me everything was good to go. She did not see this error on my credit report. It was only caught by the underwriter. They saw that the Lending Point loan was not updated since XXXX of XXXX. Of course they questioned it and wanted to know what's going on with this loan and what is the actual amount of the loan. The bank for the home loan used a third-party verification company to verify the loan because it was not updated in over a year. The verification company got a hold of someone at Lending Point, who told them over the phone that my loan was paid in full, closed, and in good standing. But when XXXX to the website, it shows a balance that I owe. 
XXXX thing I want to point out is that Lending Point keeps a banner on their page saying it's upgrading their system. This has been on their site ever since I have gotten this loan. So at least XXXX years and counting. The not reporting the credit bureaus is XXXX thing, but telling a third-party verification company that my account is paid in full is a bit suspicious. It would be XXXX thing if I was close to finish paying off the loan and the system needed time to update, but that's not the case for me. 
I have a copy of the verification companies report they gave to the bank because the bank gave it to me and it says what Lending Point told them via them calling Lending Point 's XXXX ( XXXX ) number.
Product: Debt collection

XXXX XXXX I received a letter from Tate & Kirlin as an attempt to collect a debt. This issue was resolved years ago. My wife, XXXX XXXX, passed away over two years ago. Given the current situation of quarantine and high unemployment, I feel this is a scam tactic to get money not owed. I think the statute of limitation has expired on this issue also.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

This company is a very fraudulent company MIDLAND CREDIT MANAGEMENT uses all kinds of fraudulent way to to extort payments for debts they can not verify, they have been reporting very negative information every month on my credit report with the goal of destroying my credit so i will be forced to pay for a debt that they can not verify its mine. 
They have been calling me on odd times
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$1200.00} 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as Transunion, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of XXXX-XXXX, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, Social Security Number ending in XXXX, XXXX : XX/XX/XXXX ; here is my Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an insurance policy opened at XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, a utility account opened at XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX under the account number XXXX, a fraudulent account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX  put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX  or any other kind of proof.
Product: Credit reporting or other personal consumer reports

On around XXXX I called XXXX, Equifax and XXXX to ask them to delete the accounts on my credit report because I did not give either companies consent to display that information according to 15 USC 1681 I am entitled to a right of privacy.They each told me they couldn't remove those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing account is a charge off when it was included in a bankruptcy from co*signer
Product: Credit card or prepaid card

On XX/XX/2018 my bill for account COMENITY BANK/XXXX did not go through when it was on the auto-bill in the bank XXXX  XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Cfpb My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Recently, I submitted issue my credit reports. 
Thank you for that there is more error on my reports. 
Still show Experian credit reports. 
Here is listed attached files. 


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 Account Experian Accounts # 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 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 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

I filed a dispute through transunion on XX/XX/XXXX. I received a letter station that it would take no later than XX/XX/XXXX to have completed. It has been well over 30 days and have had no response from the credit agency. Would like this debt to be removed from my credit.
Product: Credit card or prepaid card

Bank of America Suspended my credit card account on XX/XX/2019 and requested some documents which I am supposed to send them back by XX/XX/2019. I have already sent all the documents they have asked for and they should have received it by XX/XX/2019. However, they are telling me that they did not receive anything and if they do not receive it by XX/XX/2019, they will make a decision without those documents. This means they will close my account without even reviewing the documents I have sent them. I spoke with the Bank of America Employees and asked them to give me an extended time to resend the documents, but they rejected me rudely. it is not my fault that they have not received the documents. it is either their fault or the fault of United states Postal office.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my Equifax credit report. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card or prepaid card

The companied lied for the reason for denial. 

My credit score is XXXX, the highest possible, SEE PAGE 2 OF THE ATTACHED. I have a credit established for over 22+ years.

PLEASE RECOSNIDER AND OPEN MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed out of {$750.00} through Zelle because the scammer messaged my friend and I on XXXX saying they could sell us concert tickets we were in the market for. After the money was sent, they blocked both my friend and I on XXXX and the tickets were never seen. I later called XXXX XXXX to try and file a claim and nothing has been done since. {$750.00} is a lot of money and not something I can just be okay with disappearing
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/XXXX to correct these suspicious pieces of information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase at Kohl 's Store the Order Date : Monday, XX/XX/XXXX at XXXX XXXX ( CST ), this purchase never came to the house even though the tracking number indicated that it had been delivered in the home. I called the USPS that was where they received the package through UPS, and they did an investigation and said the package was delivered at the wrong address or was lost. Then I made the claim to the Kohl 's store and they started an investigation and determined that the package was lost and that they were going to replenish the money to the credit card of the Kohl 's store, but from the date they keep charging me and sending invoices with delay fee that are increasing and that are damaging my credit. The strangest thing is that in more than 7 claims that I have made, in the last claim I made they told me the order was received back to one of their stores several months ago and today XXXX, XXXX XXXX, even they still charge me the bill and damaging my credit and not result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and XXXX are reporting my Bank of American mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, Bank of America offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that Bank of America is in violation of the XXXX Mortgage XXXX XXXX while not not allow lenders to adversely report mortgages as negative while in forbearance.
Product: Debt collection

I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive
Product: Credit reporting or other personal consumer reports

I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on XXXX, Equifax, or XXXX. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called XXXX and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now XXXX.