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

I financed an XXXX loan for services from XXXX through their finance company, XXXX XXXX XXXX I paid off the loan, early and in full, without ever missing a payment. The final payment was made in XXXX of 2021. The account was reported as closed in XXXX of 2021. 

A week ago this account was reported as delinquent and 60 days past due. It shows a zero balance with an outstanding amount of {$220.00} on both my XXXX and Experian credit reports. I have called XXXX twice and they have verified this information. 

XXXX 's Dispute Center was utterly unhelpful and kept glitching when I tried to submit documentation. I had to reach out to tech support twice and was told that if my statement of dispute contained NUMBERS ( like dates ) and special characters, as well as any of the file names ( which had to collectively less than XXXX and a limit of 5 attachments total ), the system " may reject my submission. '' I had to go back and type out my statement and change my file names using letters only. I changed browsers, cleared my cookies/cache, etc. 

I was told to open my dispute over the phone, which I did. Once the dispute was opened, I was told I would now have to mail the supporting documentation because I couldn't use the online system since I'd called to open the dispute. I tried to log back in to my account to verify the dispute was opened and found my account suspended " because my identity couldn't be verified. '' In my dispute with Experian, I supplied the bank statement showing my final payment, the confirmation number from the final payment, a letter from the company showing my zero balance ( and a refund I was issue for overpayment ), a screenshot from when the line of credit was closed, and a screenshot of how the account appears twice on my credit report - once as closed, paid and in good standing, the other showing 60 days delinquent. 

I have disputed it twice with Experian with the same results each time, even providing all of the documentation above.
Product: Debt collection

Why did u steal from me? I uploaded proof it was paid before they went to court. Send me the money u stole from me. Why is my account still open and why is it still collecting interests. So basically your still trying to steal from me.
Product: Checking or savings account

I originally created the account for savings and had a checking for transfer to my other active bank I have with XXXX XXXX XXXXXXXX XXXX  SoFi restricted my account and flagged it as fraud. I called them twice on XX/XX/XXXXXXXX XXXX XXXX XXXX  to try to resolve the issue. After I explained my situation, they replied with they cant do anything but note my file as high priority. It has not been unrestricted to this date at XX/XX/year>
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX Experian and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, Experian and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Product: Bank account or service

Saturday, XXXX XXXX, at XXXX I deposited XXXX {$20.00} bills into the atm at the US Bank branch in the XXXX of XXXX XXXX, in XXXX XXXX, CA. The machine and the branch are located inside a XXXX, The machine took the bills and then claimed that there was a mistake and the deposit was not made. Instead I received an " attempted deposit '' receipt with the phone number, XXXX to call for assistance. I spoke with XXXX or XXXX people associated with US Bank that weekend, and they assured me that they could n't do anything to retrieve my money, but that the machine is reconciled on Sunday nights and Monday morning, the situation would be handled. 

On Monday, the story changed. Then, I was told that the machine is reconciled on Monday night, and the claim, which can take 10 days to " credit '' my money back to me, could only be filed on Tuesday. The branch manager said she would do me the " favor '' of crediting me the {$200.00} on Monday, which she did. However, I do not think anyone considers it a " favor '' to be given one 's money back. She also threatened that if the machine reconciled without the {$200.00}, I could face overdraft fees when they debited their " favor '' back. 

The bottom line is that I have been lied to and still have no clear idea of when US Bank will concede that their atm was in surplus of my {$200.00} CASH. ( The manager did not return my phone call and left early, perhaps for XXXX activities - I had to call again to get a teller to file my claim ) I also am aware that the atm has a camera that records the transactions. So, any reasonable client friendly institution would be able to SEE the cash being deposited, be able to count the extra money, and be able to deduct that I was indeed truthful in my claim. 
I am complaining about the timeframe involved with this banking institution 's responsibility to return money due to the errors or mistakes of their equipment. We all know they make money overnight, and now they have taken the opportunity to use MY money to do so, without offering me any recompense. Their behavior is nothing short of thievery.
Product: Student loan

There was a loan put in my name fraudulently. I reported it to the school immediately then I contact the service loan provider. I was told to fill out a fr aud packet I did and sent in police report signatures and everything they requested This has been going on since XXXX. The only information that the loan provider is giving me their waiting for the school to contact them back this has been going on to long and they are not doing anything about. Doing this whole process they have switched loan providers. With the latest loan provider this has been going on almost 2 years now.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : MIDLAND FUNDING LLC - XXXX Opened JXX/XX/2017 Balance {$5000.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$3800.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$1400.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$1400.00}
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. 

XXXX  Account : XXXX XXXX XXXX  XXXX / XXXX Account : XXXX / XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX, has violated my rights.

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.

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 


XXXX XXXX XXXX XXXX XXXX CA XXXX, DPT EDXXXX XXXX DateOpened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX, DPT EDXXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, DPT EDXXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, DPT ED/XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX , DPT EDXXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian yesterday XXXX and cancelled my membership. That evening they tried charging my bank account and all the money wasn't there and my bank charged me {$1.00} for that transaction. This morning I called them and had to cancel again and got a confirmation number. The number is XXXX. I then asked to speak to a supervisor and she was totally uncaring so I hung up. An hour later I checked my bank account online and learned they had charged my account {$24.00}, after talking with a supervisor and cancelling. I have been trying to call that same number all afternoon and can not get a human on the phone. I have sent at least 5 emails and can not get a response. It said it could take up to 2 days to get a response. I still have not heard from them and the money has not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that EQUIFAX unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XXXX XXXX  XX/XX/2022 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Also, EQUIFAX did not follow METRO 2 COMPLIANCE LAWS when they put these violations of late payments, inquiries, and wrong addresses on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

Experian : On XX/XX/XXXX, XXXX mailed over a dispute letter to Experian disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Experian that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

XXXX : On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a XXXX party. XXXX not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


XXXX. On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding XXXX XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, KS XXXX with XXXX and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, XXXX AND EQUIFAX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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

I have tried to reason with XXXX XXXX Drive time about my overdue balance since the car was repossessed, all I wanted is for it to be removed so that it won't affect my credit score anymore.i was XXXX XXXX XXXX XXXX and couldnt not work to afford the payments while hospitalized.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX. and 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 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 reported on my account to be removed. 

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. 


XXXXXXXX XXXX XXXX. 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! 

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

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$24000.00}
Product: Checking or savings account

I filed a claim with pnc bank for fraudulent transactions in the amount of XXXX $ I submitted a police report and also asked them to check the atm cameras which they did not check also On XX/XX/2024 between XXXX and XXXX my pnc card was used without permission at the atm the amount of XXXX by my friend also I didnt give her permission to use my card after the transactions happened I called her about the situation and she has been ignoring my phone calls. On XX/XX/2024 while I was sleep in the morning my friend took my wallet and car keys off the nightstand and Has not been answering also I have received multiple notifications that my card is being used my pin to my card is written down on a sticky note that I keep on my kitchen table also her name is XXXX XXXX XXXX XXXX XXXX XXXX the claim number is - XXXX, This is the claim number for the dispute that I filed with my bank to get my funds back My claim was denied this is unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation
Product: Vehicle loan or lease

This complaint is against Credit Acceptance Corporation. First I have the picture of the vehicle which is a total loss. Second the GAP insurance company that process the claim. Is not the company listed on the original retail installment contract. Third the amount owed on the car and blue book value of a 2010 XXXX XXXX with XXXX miles in Good condition was LESS than what the insurance company would have to pay for repairs. The vehicle is a Total Loss. Credit Acceptance Corporation practice unfair business practices against minority groups to gain profit.
Product: Debt collection

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. 

If every piece of documentation can not be provided the account must be removed from my credit report immediately.
Product: Debt collection

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with the IC Systems XXXX 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice. 
818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 
Given the lack of documentation and absence of a contractual agreement, the actions of IC Systems XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX appear to be in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Product: Mortgage

To whom it may concerned : I have tried to work with my lender but every time that I submit for a loan modification they don't open a new review because they advise that I was already denied once. That they could not create an affordable payment. I have never had a loan modification in the life of my loan and I am just trying to save my home! The last correspondence that I received from them was that they reached out but they never did. No additional documents were requested and they just denied the application as soon as it was submitted.
Product: Debt collection

Atlantic Recovery Solutions agency has harass me consistently for XXXX years for a debt that was made in XXXX. They have lied to say they represent a company, but wont tell me who the company is and where they are located. They have called my father 's ex wife on numerous occasions leaving voicemails about a debt they claim that I owe. I have paid them a sum of {$1300.00} dollars over 3 years and debt has not been validated. They continue to call me and my family members and left voicemails on there phones concerning the debt. This is against the law for them to leave voicemails with my family members concerning the debts. On XX/XX/XXXX, they left voicemails for my stepbrother and stepmother concerning the debt.