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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, the credit bureau Equifax announced a massive data breach of their systems, which exposed millions of consumers ' personally identifying information, including social security numbers, DOB,  addresses, etc -- basically every single piece of information an identity thief needs to steal someone 's identity. 

Equifax became aware of this data breach on XXXX XXXX, XXXX but did not announce it until XXXX XXXX, weeks later. 

In the meantime, SEC filings show that three Equifax executives Chief Financial Officer XXXX XXXX XXXX, workforce solutions president XXXX XXXX and U.S. information solutions president XXXX XXXX sold nearly {$2.00} XXXX in shares in the company days after the cyberattack was discovered. 

Equifax has been criminally negligent in protecting the sensitive information of consumers. I am one of the victims of the data breach and now have to spend the next years of my life constantly looking over my shoulder and wondering who has my information. This causes enormous emotional distress, especially because I have already had my identity stolen once. It causes stress, it costs countless hours of effort to fix a problem that is not of my doing. WHY is the onus of correcting mistakes by the credit bureaus on the VICTIM? 

Additionally, the sale of stock by Equifax executives is securities FRAUD. It is criminal. 

Credit bureaus have a disproportionate amount of power over the lives of consumers. Their mistakes can cost us jobs, homes, and the ability to carry out normal activities that require the use of credit. 

It is completely unconscionable that they will face no repercussions for their disgusting, criminal actions. 

Equifax 's only offered solution to the consumer is to sign up for *their* credit monitoring service. That is completely unacceptable. They have proven themselves to be utterly untrustworthy and now they want us to be their *customers*?
Product: Credit card or prepaid card

I had bought 8 cards at XXXX, out of 8, US Bank decided to activate only 3/8 cards XXXX dollars each : XXXX XXXX XXXX dollars each : XXXX XXXX XXXX For some reason they were not activated even though US Bank sends back a successful activation signal back to the store. This is mainly meant to fool the customers into thinking the money is on the cards.

After I tried to use them i realized they werent activated. I called in, after 10 minutes of hold on an understaffed customer care center. The customer care staff told me they would only activate 2 cards and I need to call in and hold again, this means for activating money that i have already given us bank they want me to spend 30 minutes on hold as an arbitrary limit on their customer care. The supervisors in this call center also couldnt help.

CFPB should take note that this is a systemic issue and not a one off.
Product: Mortgage

I was giving an fha loan under false terms. I was quoted one price based on my income ( which is disability ) and all the paperwork was changed to increase my income and my mortgage payments. I was hospitalized for 13 days during the time that the loan closed. Three of those days I was not even conscious. It took me some time to regain my thoughts and mobility from the near death experience. During this time the company called several times a day and I repeatedly said I was uncomfortable moving forward at that time. I was only home 21 hrs before they sent a notary and a laptop with the lawyer on zoom and a stack of papers for me to sign. I did not fully understand what I was signing and was not giving time to look over them ( they were not the documents I had seen prior to being admitted in the hospital ). I gave my realtor permission to get the down payment from my account and they also changed the amount of it and basically took all my savings when I was told I would have a 3.5 % down payment for a fha loan. The whole process was lies and now Im in a mortgage that I can not afford. Rocket Mortgage ruined my first home buying experience and nothing is being done about it. They are criminals and they used false information to qualify me for a loan. They should not be allowed to get away with this.
Product: Checking or savings account

Wells Fargo Bank XX/XX/XXXX {$240.00}. XXXX was in my account. Charges for {$230.00} came out. The bank pulled XXXX from my account, and charged me XXXX for an overdraft fee. 

XX/XX/XXXX {$440.00} was in my account. Charge for XXXXcame out. Bank pulled {$37.00}, and charged me XXXX overdraft fee. 

Both times, I wasnt negative. 

XX/XX/XXXX I had XXXX in my account. Charge for {$50.00} came through. Bank pulled out {$25.00}, and charged a XXXX overdraft fee. 

XX/XX/XXXX I had XXXX in my account. Charge equaling XXXX cane through. Bank pulled out XXXX, and charged me XXXX for an overdraft fee. 

I am not negative when these charges hit, and if I am, ita below $ XXXX.They are doing this, to make money off their consumers. I have provided 3 screenshots of my account being positive, and the bank pulling money from my savings, plus an overdraft fee. This is illegal.
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 XX/XX/XXXX 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: Debt collection

I am writing to formally dispute the accuracy of credit information reported by Portfolio Recovery concerning an alleged debt on a XXXX XXXX XXXX  credit card account. This dispute is filed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I was shocked to discover that my recent credit report contains a Portfolio Recovery " collection '' allegedly owed to XXXX XXXX XXXX, initiated in XX/XX/XXXX. This information is categorically false and incorrect. I do not owe any amount to XXXX XXXX XXXX  as alleged in this report. The information being reported is false, inaccurate, incorrect, and fraudulent. 

It is important to note that the matter about the XXXX XXXX XXXX  account was conclusively resolved through a Joint Dismissal With Prejudice in XXXX. This legal resolution unequivocally confirms that there is no outstanding debt or obligation on my part regarding the said account. 

Attached are copies of the relevant documents that substantiate my claim. These documents include the legal dismissal paperwork, indicating a full and final settlement of any claims associated with the XXXX XXXX XXXX  account. 

I request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the correction of this inaccurate information on my credit report. The presence of this erroneous entry has the potential to unjustly affect my credit score and financial reputation. 

I trust that upon review of the attached documents and an investigation into the matter, the necessary corrections will be made to my credit report, removing any mention of this alleged debt. 

Thank you for your attention to this important matter. I look forward to a swift resolution. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeXXXX XXXX
Product: Payday loan

This morning I was contacted by my employer that someone was trying to contact me because they were filing a civil suite against me. The man who contacted my employer was XXXX XXXX XXXX. I called immediately at XXXX. He demanded payment of $ XXXX by tomorrow or {$500.00} + by the months end. I said that I could make a payment arrangement of about {$50.00} a month being that I am a single mother of XXXX and with only my income to support. I explained that I had just recently, back in XXXX, got out of an abusive relation ship that had left me in debt. I said unfortunately I did n't even have enough money to buy my girls XXXX gifts this year or fix my car that is desperate need of repair. I said {$50.00} was the best that I could do but by tax return time I could hopefully pay more. I requested that first he send me official paperwork pertaining to this legal suite XXXX He refused! He said that they already sent something out sometime ago and would not again unless I agreed to make payment. I asked that he send me the paperwork with all my options. He said that " No, because then you 'll receive it and then just say you can only pay {$50.00}. '' I told him that I wanted official documentation and am not going to commit to paying anyone without have official paperwork so that I know who I am sending what to. He became argumentative and refused and said that he already has my wage information and that if I did n't send payment and agree to anything he would follow through with the suite XXXX This ca n't be legal but I am shaking because if it is, I am not in any financial state that I could afford to pay {$3000.00} + back, which is what he said that I would come out to being if I did n't pay by today but no later than tomorrow. I will lose everything that I have worked so hard to get and at the moment keep. Again this is XXXX XXXX who said that he is an attorney and XXXX.
Product: Credit reporting or other personal consumer reports

I requested each credit bureau fix the missed payment data and incorrect reporting of XXXX XXXX XXXX and that Experian specifically also reveal the company that is reporting a late payment. 
XXXX and XXXX both fixed the problem as soon as XXXX reported it. XXXX XXXX XXXX has sent letters to Experian two times to notify them that the account was fine. I have filed disputes with Experian three times and in each case they said they investigated and then didn't say anything about what the investigation determined and didn't change anything. 
It is my considered opinion that Experian has created a class system that intentionally reports bad information if it benefits them in some way or if their class system determines there may be some other potential risk with no basis.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I contracted with XXXX XXXX XXXX XXXX , XXXX of XXXX XXXX, Iowa for installation of appliances. At the time of their estimate in XXXX, I was offered an opportunity by them to enter into a Retail Installment Contract using XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) to finance the project. The work was completed in XXXX of XXXX. At the time of entering the contract, I was required to provide my credit card information to the sales representative. I understood the monthly payments were to be made on the credit card automatically. I received no communication from XXXX regarding any delinquency of payments I received no notice of assignment to a new servicer. It was not until XX/XX/XXXX, as I was applying for financing to buy another property, that I discovered from my lender that XXXX had placed negative marks on my credit report of 30, 60, and 90 days for failure to make monthly payments on this contract. 
This was shocking. I had never received any notifications either in the mail, electronically, or via telephone that I was delinquent, or that the account was being transferred to XXXX XXXX. 
I have been in communication with XXXX XXXX, and have paid the loan in full. XXXX advises that they are not able to remove the negative credit reports because they did not have the loan at the time it was being serviced, and did not make them. In calls to XXXX  their operator claimed an inability to remove the negative reports because they " no longer service the loan ''. I have written to them requesting this these negative credit reports of 30, 60, and 90 day delinquencies be retracted from my credit report by them. They are unresponsive. Calls are continually rerouted. My new lender indicates they have the ability to remove these entries from my credit report. I now discover from the new lender that my current loan application is being rejected because of the reports made by XXXX were classified as failure to make " mortgage loan '' installments. This was not a mortgage loan! By not accurately reporting them as " retail '' installment installments, I am being denied financing because missed mortgage loan payments are negatively more weighted than installment loans. I have pleaded with XXXX remove the reports. Removal is appropriate because XXXX did not communicate or give me any notice regarding this this account. Even more importantly, THEY DID NO? T REPORT THE CORRECT CLASSIFICATION OF THE LOAN. Had I not inquired of my new mortgage lender, I may not have known of the delinquencies until a small claim was brought. Everything led me to believe it was being paid monthly via credit card. 
I have made many calls to XXXX XXXX XXXX XXXX XXXX. They do not respond.
Product: Debt collection

this is part of identity theft i never opened this account, and or gave any authorization to open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Experian regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I give the CFPB permission to access my credit report.
Product: Vehicle loan or lease

THE CAR WAS TOTAL LOST AND THE COMPANY STILL WANTS ME TO PAY MONTHLY PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact ed Exeter Finance sev eral times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  Exeter Finance ha s refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Product: Debt collection

This CFPB complaint is being filed resulting from a " collections '' tradeline I noticed was furnished to my consumer reports by a collection agency called " Credit Bureau Association '' for a debt totaling an amount of {$620.00}. I have not received enough information regarding the alleged debt. Medical debts have been banned from credit reports as of XX/XX/XXXX. From what I have noticed on this tradeline, the last payment that was made on the tradeline was in or around XX/XX/XXXX according to my credit report from XXXX. That's a debt that is more than 20 years old. This debt is " zombie '' debt. It has passed the statute of limitations in any state within the U.S. Furthermore, the alleged account was re-aged stating to have opened on or about XX/XX/XXXX. This is utterly ridiculous, and I intend to punish this agency for such deception and foolishness.
Product: Credit reporting or other personal consumer reports

There are multiple charges on my report that should not be. Some that arent mine and one that was paid and reappeared because the company is no longer open and they sold all the accounts to others. There are some charges that appear multiple times. Ive been disputing charges and writing the company and nothing is happening.
Product: Mortgage

The company modified my loan. Received the paperwork. Then told me they never received my second paperwork to modify the loan when there was never any communication about second paperwork they sent me an email stating they had received it and that it was good to go and approved. Now all of a sudden they say I am in foreclosure and they didnt receive my paperwork I documented and tracked everything. It was received on time and no other correspondence was intimated on their end. Now the HAF program has stepped in and they are not communicating with them.
Product: Vehicle loan or lease

I am writing to insist that 3 inquiries/late comments on my credit report from GMC Financial be reviewed and withdrawn and expunged. These all relate to a final bill for my GMC XXXX, XXXX truck lease that was sent to me in XX/XX/XXXX and then inexplicably marked past due in XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX, XXXX ( 60 days ). 

The final bill was received in the mail in XX/XX/XXXX. The bill was higher than anticipated and included unwarranted charges. At that time, I immediately contacted GM Financial. The agent agreed and told me that the final balance would be reduced. I requested a written confirmation. The agent said : " We don't do that '' to which I responded : " How do I know that the bill was in fact reduced without a written confirmation? ". The agent then advised me this would be confirmed in writing. 

In the months following I received several automated robo calls in which I was asked to enter my social security number in order to review the specific issue. I responded to the calls by repeatedly requesting that a bill with the reduced balance be sent to my home address. The calls were impossible to authenticate and I was inclined to not provide my social security number because I was never asked to provide the GMC lease number that appeared on my monthly statements while the lease was in progress. 

It was not until XX/XX/XXXX before I received any additional communication in writing from GMC Financial. GMC 's records confirm that no other written communication was sent to me. This was confirmed to me on the phone by a GMC representative. Once I received the statement in XXXX, XXXX, I responded and the bill was paid in a reduced amount shortly thereafter. The reduced amount was what was originally agreed to in XXXX, XXXX. BUT not until XXXX, XXXX was the reduced amount submitted to me in writing. 

My credit report/rating was negatively impacted for this same final bill as it was reported three ( 3 ) times as past due on XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX ( 60 days ). Again, ONLY in XXXX, did I receive written confirmation of the actual final balance in a reduced amount. 

I require that these 3 faulty inquiries/reports on my credit report be reviewed and withdrawn/expunged. I am writing to this agency in an effort to correct what I believe to be a frivolous practice by GMC Financial. I contend that this methodology of billing is a clear violation of the Fair Debt Reporting Act and The FDCPA as it shows a careless and improper course of conduct by GMC Financial.
Product: Prepaid card

I contacted cash app about my card ( XXXX XXXXXXXX ) that kept being closed/cancelled without notice. They told me that because of my account having been involved in a dispute ( that I initiated ) for services not received, my account was closed. When I asked for more information they gave me a generic answer to try to resubmit my request to open/request a new card in 14 days. After 14 days, I was still banned from accessing a new card ; and I was told to wait 30 more days. Everytime I contact cashapp since then, they tell me that they can not provide any information in regards to my card/account being reopened and provided some generic terms of service agreement. Its been 6+ months since Ive been banned and I dont feel this was fair. I used my card for services I was not given, and then following a dispute, I was blackballed relentlessly with false promises and generic answers and nobody I could speak to about to escalate it. I ended up deleting the cash app account and opening a new one ( XXXX XXXXXXXX ), but because my social security number was banned, when I request a card- it says unexpected error, please try again later. Its only when I contact support that I am still being provided the basic policy, which doesnt say anything about my situation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Here is the item I am asking you to verify as accurate.