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

On XX/XX/XXXX Mortgage Center foreclosed on my home. They've been reporting me as being late each month instead of being foreclosed. I contacted XXXX  and opened a dispute in which it now shows a XX/XX/XXXX date instead of the correct date.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After the bank ruptcy was filed, it begin to be too expensive. Therefore the car was repossessed and it's no longer in my possession. I would like for the harassment to stop towards myself and my co-signer, we are in the process of trying to rebuild our credit in a proper manner. Not only that my information has also been in the security breach back in 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal loan with Citizens Bank and settled for less. They are currently showing a past due amount still on my credit report which is not accurate and it is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX and EQUIFAX credit report and found the following account listed as late payments on my credit report : ACCOUNT NAME : XXXX CARD Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THIS TRANSACTION AS A LATE ACCOUNT.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is EXCLUDED FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. DO NOT DELETE THE ACCOUNTS. 

XX/XX/year> ACCOUNT IS ( OK ) XX/XX/year> ACCOUNT IS ( XXXX ) DAYS LATE XX/XX/year> ACCOUNT IS ( OK ) Please provide me with bank statements or any transactional documentations that lead you to report this account ( XXXX ) days late when I never been late paying any company. This is interfering and preventing me from buying a home amongst other things in my life. Your reinvestigation has showed no proof. 

Failure to respond satisfactorily with deletion of late payments referenced of account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$XXXX} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance 5. 616 Civil Liability for willful noncompliance 15 USC 16811n 6.Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying my Self account on the XXXX of last month ; XX/XX/XXXX Self Lender fails to update to the credit bureaus showing an updated score and report.
Product: Credit card

Good evening, My name is XXXX XXXX and I am writing in hopes that companies such as AVANT Credit Card company does not continue to take advantage of their customers. I am a XXXXXXXX XXXX Banker so I am pretty familiar with all processes related to financing as well as having a XXXX in XXXX XXXX  This company might as well advertise themselves as a XXXX XXXX company due to the XXXX  % APY they are charging me. On XX/XX/XXXX, I made a payment of {$1000.00} which left me with a balance of {$28.00}. I then used my card again as I traveled overseas and used my card for a hotel purchase. I then contacted them to find out how my balance went from {$340.00} to {$470.00} when I made a payment on XX/XX/XXXX of XXXX and my transactions don't add up to {$470.00} on my statement. They then tell me they sent me an email on XX/XX/XXXX indicating they did not charge my account properly and added additional charges where now my balance is {$810.00}. They are adding charges to my account and indicating they made a mistake. After reviewing all of my statements, they most certaining made a mistake by adding additional charges to my account at the end of the year with fictitious charges that have no merit. I want all of these charges removed to my account as I should not have a {$810.00} fee. I will also report this company to the RI Attorney General 's Office and the XXXX XXXX XXXX as this is outrageous. They can't go around making about charges at the end of the year so they can come up on top on their books and cheat their customers out of money. I am struggling as it is working XXXX days XXXX jobs to make end meet only to be taken advantage of these type of credit cards companies. They are simply horrible!!!!
Product: Vehicle loan or lease

Hello, my name is XXXX XXXX. I have a loan through XXXX XXXX XXXX, XXXX XXXX. I have had the loan going on for 6 months. I have made payment arrangement dates to fall on the XXXX of every month. 

fact I made a payment on XXXX for XXXX. On XXXX I made a principal payment. They are now claiming I am past due 56 days. and XXXX $ behind. they are charging me daily interest on top of my monthly payments of XXXX. They are telling me there is nothing they can do they will not apply XXXX in payments I have already made towards the loan. 

at first, they did not wat to agree to pay off of XXXX they up the payment to XXXX they will not provide receipts they says it's all electronic. I have a ledger they still will not fix my account. I have a balance of XXXX remaining. 

They did not even wat to give me the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that XXXX is XXXX   people by reporting false information. If this can not be resolved i will take legal action.
Product: Debt collection

THIS SO CALLED " ATTORNEY FIRM PROCEEDING DEPT '' XXXX IS RUNNING A SCAM OR FRAUD CALLING PEOPLE ABOUT OLD DEBTS ON THEIR OFFICE DEPOT ( IN MY CASE ) CREDIT CARD ( OR OTHER CREDIT CARDS ) THAT HAVE BEEN ALREADY DISCHARGED IN BANKRUPTCY COURT YEARS AGO ( MY CASE IN XX/XX/2013 ). 
THEY START BY ASKING ME MY NAME AND LAST 4 OF SS NUMBER AND THEN THEY SAY I HAVE AN OUTSTANDING DEBT OF {$3600.00} OR SO ( THE SAME AMOUNT THAT WAS DISCHARGED IN COURT ) AND THEY ARE DOING PROCEEDINGS TO COLLECT IT AND THREATENING TO TAKE ME TO COURT. 
I HAVE ALL PROOF THAT THAT DEBT WAS DISCHARGED AND THEY KNOW IT BUT THEY ARE FRAUDULENTLY TRYING TO COLLECT IT DESPITE THE DISCHARGE TRYING TO CONFUSE YOU INTO THINKING THE DEBT WAS NEVER DISCHARGED. 
YOU SHOULD TRY TO REVERSE LOOKUP THAT PHONE NUMBER ( OR WITH THE PHONE COMPANY ) TO GET THE LOCATION OR ADDRESS OF THAT OFFICE AND NOTIFY THE STATE ATTORNEY TO ARREST THEM. THIS IS A TRUE SCAM AND FRAUD ATTEMPT TO ROB YOU OF YOUR MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX SAHARA AV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}
Product: Credit card or prepaid card

I attempted to use my prepaid card for a purchase at XXXX on XX/XX/22. I had to split between different cards as the purchase amount was greater than the amount on the prepaid card. The purchase was voided after my card was charged. The amount charged to the prepaid card should have been returned to it, but the refund did not appear in my balance. The store receipt shows the refund went to the card. The card transaction history shows the debit but does not show a refund. 
I submitted a dispute with the gift card issuer ( incomm ) and they denied my claim, giving me a non-sensical answer that didn't address the situation I described in my claim form. 
My gift card was purchased from XXXX on XX/XX/22. I disputed the missing refund with Incomm on XX/XX/22. I'm including the purchase receipt of the gift card, photos of the front and back of the gift card, transaction history of the gift card ( showing purchase but not refund, ) my claim form that I completed for Incomm and the store receipt showing that the card was refunded. Also included is the response Incomm sent me on XX/XX/22. This reports they found that the card was present for the transaction -- which was not the dispute. The dispute was that the refund did not appear on the card balance, as clearly documented in the dispute form I completed with them.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXX vehicle loan account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of XXXX 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM XXXX!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for account # XXXX with XXXX XXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements.

Summary of Errors on Account The CAPITAL ONE account shows discrepancies across bureaus, including incorrect 30-day late payments in XXXX for XXXX, XXXX and Equifax, despite on-time payments. High balance varies, with {$300.00} reported by XXXX and XXXX, but {$500.00} by Equifax. Dates of " Last Activity '' and " Reported '' also differ, and Equifax lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to inform you of a dispute I have with my credit report. I have identified inaccurate information on my report from ( XXXX, XXXX, and XXXX ). 

Dear JEFFERSON CAPITAL SYSTEMS I, XXXX XXXXXXXX XXXX am disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, calls. 


JEFFERSON CAPITAL SYSTEMS Collection Agency did not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report.

I have not have not been given the opportunity to dispute account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is currently violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, JEFFERSON CAPITAL SYSTEMS is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Also, I request that this debt be validated by furnishing my original purchase agreement between JEFFERSON CAPITAL SYSTEMS And the original creditor. I am also requesting JEFFERSON CAPITAL SYSTEMS their licensure and bond to collect this debt from me. 

I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove or correct the inaccurate information within 30 days. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXXXXXX XXXX
Product: Checking or savings account

I got a job in XXXX of 2022 and my payments got deposited on a XXXX  prepaid card. I got XXXX on XX/XX/XXXX someone went to my residence and took my wallet with my card. After I was XXXX payment was deposited on my card on XX/XX/XXXX. The person that stole my wallet used my card on XX/XX/XXXX after the money was deposited on the card while I was in XXXXXXXX. This person used the card 58 different times totaling XXXX. I explained all this to XXXX  that I didn't report the theft due to being XXXX. They said they did an investigation and no fraud had occurred. There are online purchases with the card and even a purchase of a hotel room. I feel they didn't do a thorough investigation if they did they would of found out I was in XXXX  and could not have bought a hotel room or buy things online.
Product: Debt collection

XXXX XXXX from Glen and Associates calls our office 15-20 times a day, back to back. Belittling the receptionists and just being a bully.
Product: Money transfers

I used to send money to XXXX ( my relatives, friends ) through Western Union since I came to this country XX/XX/XXXX. For the last two years more recently, I learnt how to create an account via web and was doing on line international money transfer from US dollars to XXXX XXXX. This creates an e-mail trail giving a tracking MCTN number with a name whom the money being transferred. This process seemed to be rigorous as it goes from my bank to Western Union and this process takes at least 7 days. During my weekly check into balance of my bank account on line, I noticed on a single day there were XXXX money transfers and the following day another money transfer. All these XXXX transfers amounted to about {$7000.00}. I called my bank and lodged a dispute on all those XXXX charges which have not been initiated by me and authorized by me. This has been lodged in the fraud department of the bank with a claim number. I called the merchant Western Union and filed the complaint. They took the complaint and informed me that some of these transfers are still not cleared and can be retrieved or changed. There were XXXX international transfers which have been delivered already and can not be returned. I went on line and recovered MCTN numbers and names of the persons. They gave the names of not all persons. But I noticed that one person was my relative and when I called my relative he said that there was no money transferred. There were other XXXX names I could not recognize. They filed a police case and instructed me to go to local police to give the case number to know more about this unauthorized transactions. I called your department and the official instructed me to file complaint on line, called Federal Trade Commission and go to local police to to inform and file complaints.
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/XXXX, I was on XXXX XXXX. I was going to look and try to find a XXXX XXXX XXXX XXXX  for my phone for cellular data. I found someone selling a card for {$25.00}. She wanted to do the transaction on cashapp and I asked if I could have the code and enter it to my phone to see if it worked before I bought it. She didn't let me do that. I sent {$25.00} on cashapp, she sent the code and the code did not work. I voiced my suspicion that I was scammed and she did not reply. I contacted XXXX XXXX and they told me the card had never been activated at the store. This very likely means she stole it. When you buy a data card for a store, the cashier scans it to activate the card. This person walked out of the store without paying, and I am extremely sure that they have or are planning to scam more people with this exact same method. After contacting XXXX XXXX, I contacted cashapp. They told me they could not refund my money and just listed steps for " next time '' I should follow to be safe. They told me I should contact my bank or police. I told them I would likely file a police report and they gave me a report number. I called my bank, and they basically told me there wasn't any point to file a report because of the small chance they could do anything because the transfer happened through a third party app ( Cash App ). I felt extremely pressured to not press forward with this matter and did not file a claim to my bank, so I didn't. I also reported the messenger conversation with this scammer to XXXX and reported their account. This person refuses to answer any texts. Even weeks later and this has not been resolved and I am still scammed out of {$25.00}. All in all, I was scammed for XXXX dollars and even to this day I have not gotten my money back either through my bank and cashapp. I contacted XXXX XXXX cashapp, my bank ( XXXX XXXX  ), and XXXX.
Product: Debt collection

XXXX XXXX is refusing to disclose amounts it purchased my debt for, I no longer owe the amount they are talking about and they still reporting Late payment XXXX of XXXX $ in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent your company a dispute letter requesting your methods of verification and questioned your investigation practices. As a consumer I requested to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The items I requested as methods of verification are The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. Your unjust investigation practices caused me to contemplate suicide, have Financial breakthroughs, and lose sleep. Please send the methods of verification requested for the accounts listed below or delete the accounts from my credit report and update my personal information immediately. Thank you in advance