23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 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. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXXXXXX XXXX XXXXXXXX : Acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # XXXX
Product: Debt collection

XXXX card services citi bank owns the debt now XXXX has been contacting me for some months now, and I have asked them to stop contacting me but still does aggressively on onces a week
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home. Please remove the fraudulent accounts from my credit report as soon as possible before litigation due to companies have not verified these accounts with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I never prove her concert for this account to be open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

I received a promo from CapitalOne to get {$400.00} bonus to open a new checking account. on XX/XX/XXXX I opened a new checking account and then met all requirements ( make two direct deposits {$500.00} each ) to receive the bonus. Three months later, CapitalOne just closed my account without any notice. Instead of giving me {$400.00} bonus after I met all the requirements, they just simply close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky  University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
Product: Debt collection

Debt Collector : The CBE Group Inc CBE Group is attempting to collect a debt that is not mine and which I do not owe. This debt collector has not provided any proof, evidence, documentation or information that would prove that this debt is mine and I believe they are fabricating these claims to collect money is not owed. They indicate they are collecting on behalf of XXXX XXXX but XXXX have never had an account or relationship with them. 

I request the CFPB investigate this debt collector as they fabricate debt to deceive people into paying money is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about erroneous collections on my reports causing my credit scores to go down. These erroneous entries were removed yet my score dropped 11 more points. All Of the changes on my report showed decrease in balances
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2023, My mortgage lender, Mr Cooper, cashed my XXXX mortgage payment. They are saying they can't find the payment. 
I have been in contact with Mr. Cooper since mid XXXX to get this straightened out and they have been stalling. Today, XXXX XXXX, 2023, they are again saying I have to pay XXXX again because they can't find what they did with the payment. 
I have submitted copy of cancelled check and bank statement showing payment from my account for XXXX mortgage payment and received by Mr. Cooper. 
They are refusing to credit my mortgage payment and are telling me I have to pay it again. The proof of payment has been submitted from my bank and they are refusing to accept it. I have all copies of cancelled check and bank statements which came directly from XXXX. 
I have attached a copy of the check from XXXX bank but I am not able to attach the bank statement. It's telling me the file is too big. 
Please let me know if you need more information. 
Thank you XXXX XXXX
Product: Credit card

I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. 
I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. 
So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. 
I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. 
Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inconsistent reporting of the closed date for an XXXX XXXX account ( Account # XXXX ) on my credit reports from XXXX and Equifax. Both credit bureaus have verified and updated the account as accurate, yet the reported closed dates differ significantly : XXXX reports the closed date as XX/XX/XXXX. 
Equifax reports the closed date as XX/XX/XXXX. 
This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about the accuracy and reliability of the information being reported on my credit file. 

Specifically, the following FCRA provisions are applicable : FCRA Section 623 ( a ) ( 1 ) : Furnishers of credit information must provide accurate and consistent information to credit reporting agencies. Reporting two different closed dates for the same account violates this requirement.

FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation when disputes are raised. Despite verifying the account as accurate, neither XXXX nor Equifax has resolved the conflicting information. 
FCRA Section 605 ( a ) : Credit bureaus must not report information that is misleading or incomplete, as such inaccuracies harm the consumer 's creditworthiness. 
The inconsistent reporting of this closed date has caused confusion and negatively impacted my credit profile. It creates uncertainty about the accuracy of my credit history and misleads potential creditors who rely on this data. 

I respectfully request that the CFPB investigate the following : Why XXXX and Equifax are reporting different closed dates for the same XXXX XXXX account. 
Whether XXXX XXXX has failed in its responsibilities under FCRA Section 623 by providing conflicting information. 
XXXX removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I have included the following : Copies of my credit reports from XXXX and Equifax highlighting the conflicting closed dates for the XXXX account. 
Any correspondence I have had with XXXX, Equifax, and XXXX XXXX regarding my prior disputes. 
The continued presence of this inaccurate information on my credit reports is unacceptable and requires immediate action. I respectfully request the removal of this account from my reports and enforcement of my rights under the FCRA. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation progresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from Equifax and XXXX.
Product: Credit card or prepaid card

In XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX woman XXXX : XXXX XXXX has sent multiple negotiable instruments monthly to Discover Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. 

In XX/XX/2022 I also sent an affidavit to Discover in which it was not rebutted point-by-point as they never responded. 

With my XX/XX/2022 remittance coupon, I've sent a notice to Discover informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Discover ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. 

In additional, Discover has also charged me an interest fee of {$130.00} and decreased my credit card limit as the account was orginally opened with a beginning balance of {$15000.00}. 

Discover has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination. Discover has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. Discover also refused to accept my Negotiable Instruments as payment but never returned any of the three negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. 

Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603. Discover has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.
Product: Debt collection

Reference my previous complaint : XXXX The debt collection company will not communicate with me. Instead, they keep increasing the debt each month. There is no reason to increase the debt, so this appears to be an intimidation tactic from this debt collection company. 

Not only have they refused to communicate/respond to me, they are apparently refusing to respond to cfpb. You have indicated in XXXX that they are past due in responding to you. 

This under {$50.00} debt has had a significant negative impact on my credit score. I believe this debt collection company is using this as retaliation from XXXX of their friends with whom I had a previous issue. As a school principal in the small town of XXXX, South Dakota, I was responsible for the expulsion of a student who was the son of the XXXX XXXX for the community where I previously owned a home. A year after selling the home and leaving South Dakota, this debt showed up.
Product: Vehicle loan or lease

I, XXXX XXXX, the consumer and natural person, were denied credit with a XXXX score and no counter offer by Credit Acceptance Corporation when I applied for a new XXXX XXXX for approximately {$50000.00}. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Credit Acceptance Corporation due to the response I received. I have attached it to this letter.

Credit Acceptance Corporation is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Credit Acceptance Corporation. Since you are the borrower and borrowed my application, I'm in demand for the borrower to retract/return my application ( security ). 

If Credit Acceptance Corporation fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Credit Acceptance Corporation criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Product: Vehicle loan or lease

Purchased New + Additional Warranties for XXXX XXXX on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to cancel some warranties ran concurrent with XXXX supplied warranties!?! On XXXX, Notified XXXX XXXX XXXX XXXX XXXXXXXX that I would be filing Fraud Complaint for non-payment Cancelled Warranties '. Received Phone call from XXXX XXXX XXXX XXXX, Whom assured ME all requested Warranty Cancellations processed same day submitted! Looks like Finance XXXX may have sent check to XXXXXXXX XXXX, instead of XXXX? Next I contacted Hunington National BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Spoke with agent? XXXX? She told me they did not get Check until XXXX. XXXX Months in XXXX or Same Day as conversations with XXXX XXXX, via Electronic Funds Transfer! Told XXXX, XXXX or both LYING neither taking responsibility!?! Believe Amount of check received is {$3500.00} which is Amount that would be DUE if paid out XX/XX/year>. But I XXXX Check was sent by XXXX XXXX on XXXX to Huntington National Bank ; it is XXXX MONTHS OF INTEREST Short!?!?!
Product: Credit card

I disputed multiple transactions stemming from an issue with a local gym in XX/XX/2023. Because of the issue, my credit card number was changed and I was provided a new card. After numerous weeks of review on the disputed transactions, I received XXXX letters ( XXXX dated XX/XX/2023, the other dated XX/XX/2023 ) from Discover stating that XXXX of the disputed transactions were credited back by the merchant and that the temporary credit would be replaced with a permanent credit. Please see attached letters. 
These credits were never applied to my account. I have attempted for weeks to get this situation fixed and all I get is hours on the phone being transferred from Billing, Fraud, Resolutions back to Fraud and then back to billing. I have several recorded calls proving my attempts to get this corrected. On call in particular was the most concerning. On XX/XX/2023 I spoke with several people : XXXX in Billing ( XXXX ) who transferred me to XXXX in Fraud then over to XXXX XXXX XXXX? ) them over to someone else and finally on to XXXX in resolutions. I recorded this conversation and XXXX clearly stated that the credits were on the old account and just needed to be moved to the new account. He stated that XXXX had to do this and he put me on hold while he contacted their department to do this. He came back several minutes later and told me that the XXXX department refused to transfer the credits. Flat out refused to do so. He told me he understood how frustrating it is but that it had to be escalated to XXXX. The same team refusing to help. Its concerning g that a merchant credit can be stolen by a credit card company and pocketed rather than being applied to the account the merchant was refunding. I find it to be theft. How can a credit card company make you replace your card and account number and then refuse to apply credits that hit the old account? They had no issue transferring over the balance but are simply refusing to transfer credits that they supplied to me in writing tied to transactions i the old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please support me and help me as today in the morning I saw my credit report and I saw accounts that are not mine. I am very stressed out because of these accounts as I am for sure identity theft victim. How can I protect my personal information? What shall I do? How to survive now when I have an accident and unknown accounts in my profile? Life will be different now as all my plans got ruined by bad reporting by Bureaus. Please support me and remove all the accounts. Please I rely on you guys.