23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX 's credit card business moved from Synchrony to XXXX XXXX on XXXX XXXX, the old XXXX accounts were reported to the credit bureaus as sold and closed. As a result my credit scores dropped. While I was with XXXX I had a perfect payment history and was the excellent customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.
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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

Portfolio Recovery calls me everyday. I have answered some calls but nobody speaks from their end, why? I did an annual credit report recently and it shows no debt. I have attempted to block them but they persistently call me during work hours, evening hours ( after XXXX XXXX ), and on weekends. I have evidence of them calling. Portfolio Recovery has called me on the following dates from the following phone numbers : 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 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 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax REFUSES TO SUBMIT POLICE REPORT AS A PART OF THEIR INVESTIGATION WHEN COMMUNICATING WITH CREDITORTS. THE ACCOUNTS LISTED BELOW ARE FRAUD AND I AM A VICTIM OF IDENTIFY THEFT. MY NEXT STEP WILL BE TO FILE A CLAIM AGAINST EQUIFAX UNDER THE STATURES OF LAWS IN THE STATE OF VIRGINIA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX Date : XXXX ACCOUNTS OPENED FRAUDULENTLY To Whom it may concern : Im officially disputing accounts ( below ) opened in my name due to fraud and identify theft. An unknown suspect ( s ) used my social security number and other personal information to open credit cards, obtain car loans, lines of credit, un-authorized inquiries, and other accounts without my consent or authorization fraudulently. Below are the accounts that were opened due to Identify Theft and without my consent. Please remove these accounts from my credit profile Expeditiously and Immediate. 

Creditor ( s ) Date opened Acct # Reason ( s ) XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently
Product: Credit reporting or other personal consumer reports

I am writing to formally 2nd dispute against Experian regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the COVID-19 pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Experian Account Status Inconsistencies : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 

High Balance Discrepancies : Experian reflects XXXXXX/XX/XXXX as the high balance, this is inaccurate. 

Actual balance discrepancies : Experian reflects XXXX XXXX XXXX reflects XXXX XXXX XXXX reflects XXXX XXXX that is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on Experian ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section 4021 ), creditors were required to provide special accommodations for consumers affected by the COVID-19 pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law. 

Requested Action : Immediately correct every single discrepancies on this XXXX XXXX account. Correct all late payment entries during the period covered by Cares Act XXXX from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the XXXX pandemic receiving the Unemployment Benefits from New Jersey XXXXXX/XX/XXXX Bank Account in the same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the 30-day timeframe allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Product: Money transfer, virtual currency, or money service

Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account. 

The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''. 

On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred. 

I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer. 

I can find no credence or validity to XXXX 's explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter to companies by the names of XXXX, Equifax, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.
Product: Vehicle loan or lease

Saturday XX/XX/XXXX, I tried to make my regular car payment to Westlake Financial Services ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) for the second time after the maturity date of the loan on XX/XX/XXXX. 

The payment made XX/XX/XXXX was received no issue, but today it said immediate action required and would not take payment online at www.westlakefinancial.com So I called and found out the previous 5 phone calls over a year apart first starting in XX/XX/XXXX The representatives of Westlake Financial knowingly lied about my loan maturity plan and assured my Husband and I that the car would not go out for repossession as long as we made our payments before the due date at the end of the loan and that no more fees or interest would be charged. 

When called this morning XX/XX/XXXX they said the account was 60 days past due and the vehicle was out for repossession because the maturity plan was never authorized by unknown " managers ''. 

So today the " gentleman '' that answered the phone at Westlake Financial tried to extort me for {$500.00} to resubmit the loan maturity plan that may or may not get approved now even though they repeatedly told us not to worry about this EXACT Scenario. 

This company is a scam I have found out the hard way, my car is a XXXX XXXX XXXX bought used with XXXX miles. Screwed on 29 % APR and some how after all the fees they charge we owe {$13000.00} at the end of the loan. The car has been paid for 7 years and over double the price paid for the car, and every time you call they just seem to lie. 

Especially looking at the reviews I don't know how they are still in business. Some of the transaction records show {$490.00} applied to interest and {$0.00} applied to principle of the loan
Product: Mortgage

I just called SPS the old mortgage company for my mother XXXX XXXX and they told me, the loan is not closed!!!!!! They told me the loan was short {$1800.00} how can that BE we had the pay off from SPS and I know they are lying because they are now harassing my mother for payment. The big thing is I did not know about this until now!!!!!! They claim they are working with someone called XXXX at phone number XXXX from your company. I need to YOU to take care of this today!!!!!!! I will call you today I need this solved today or that you and I WILL take SPS to court for harassment I need your help the loan closed and has been paid off and now sps wants more money the pay of was paid!!!!!!!! now they are harassing for more money XXXX XXXX. 

They also called and demanded payment from the closing company XXXX after they the closing company called a day before closing to verify the pay was correct!!!! the pay off was correct!!!!!!! 

Return the XXXX You stole from the closing company and stop harassing XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I was 90 days late on 4 different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the Obligor.

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d0 and ( e ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus Union of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hard inquires is taking a huge affect on my credit history. There is way too many and it has been over 3 months with me requesting removal. I have never applied for any of the places that has been reporting. Im also having difficulties getting these fraudulent accounts eradicated from my report because it is effecting me from moving forward. I would like for someone to seriously investigate my case.
Product: Debt collection

This account has been closed and should NOT be on my credit report. It was to be removed XXXX 2015, yet it is still on ALL XXXX credit bureaus report.
Product: Mortgage

My ex and I got divorced in XXXX. On XX/XX/XXXX my ex did a loan modification without my signature. And XXXX XXXX Loans rolled over XXXX into the loan, extended the terms and increased the payments. I did not and would have never agreed to this. I had several phone conversations with them before it was put into place and explained this until the point that they would no longer talk to me. They then sold the Mortgage to XXXX, who in turn sold it to Shellpoint Mortgage Servicing. I has since sent letter to both XXXX and Shellpoint explaining that I have been told by several attorneys that I am not responsible for the additional money rolled into the mortgage or the higher payment, since I didn't sign it, the modification is not binding to me. XXXX tells me that we don't hold the loan we can't do anything. Shellpoint tells me well we didn't do the modification so it's not our fault. In response to my last letter I got a notification from Shellpoint saying XXXX XXXX XXXX  XXXX XXXX XXXX in the Owner of my loan and their address XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX contacted the company they told me they are unable to verify the debt, and that to have the Equifax remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the continued inaccurate reporting of an account that I have previously disputed with both the credit reporting agencies and the furnisher, yet the issue remains unresolved. 
I am disputing the accuracy of an account with XXXX XXXX  being reported on my consumer file. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I have the right to challenge false, misleading, and inaccurate information on my credit profile. The FCRA explicitly states furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. 

I have contacted the entity reporting this debt multiple times, requesting verification, including proof of ownership and legal standing to collect. Despite my repeated requests, they have failed to provide any documentation demonstrating their authority over the alleged obligation. Their continued failure to respond appropriately raises concerns about the legitimacy of their claim. 

Additionally, I have reviewed the companys XXXX report, which suggests that the debt in question may have been securitized. If this is the case, the original creditor is no longer the true owner. Without proper documentation proving their right to collect, the reporting of this account is inaccurate and misleading. 

I have attached copies of my correspondence with this company, including references to their own financial disclosures, which further cast doubt on the validity of the reported debt. Given their failure to provide the required verification, I formally request that this account be permanently removed from my consumer file immediately. 

If the account is not removed, I request that you provide verifiable documentation proving the entitys legal standing to furnish this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Equifax and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I had an account with XXXX and someone hacked into my account information and ordered 10-12 phones from an address in XXXX. Whoever hacked my account had my address and were able to pick up the phones from my address when they were delivered and outside. I never received any phones. I have tried to correct the issue with XXXX but they are unwilling to send me to their fraud department and have sent a collection to the company I'm filing the complaint against for XXXX. Please help me resolve this issues. I am not willing to pay for any service or equipment i never received. It's obvious i did not use these phones and have never had any phones other then the one I used. Please assist me any way you can. thanks.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024, and I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

[ XXXX XXXX Date XX/XX/2024 ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX Date XX/XX/2024 ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX Date XX/XX/2024 ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

This company won't stop sending me letters about a debt I do not owe. I have paid all of my debts in a timely manner for longer than any statute of limitations that may apply. I don't recognize this debt, and if it were ever mine, it is way beyond any statue of limitations and is time-barred.
Product: Debt collection

The company incurred a debt with XXXX through a loan that was offered to me in a manner that I find to be excessively aggressive and potentially exploitative. I accepted the loan without being fully informed of its terms and conditions. As a person with a XXXX experiencing fluctuating financial resources, I would not have chosen this option had I been provided with clearer information or pursued a more transparent provider. 

Due to my XXXX, I faced challenges in keeping up with payments, resulting in the closure of the account and its transfer to collections. My frustration is compounded by the fact that XXXX wrote off the account as bad debt, securing 100 % tax relief from the government, and subsequently sold my account to another company which is now attempting to collect the original debt plus substantial interest. This practice of 'double dipping ' into funds raises significant ethical concerns. 

Furthermore, the company to which my debt was sold, Mountain Peak Law Group, has been uncooperative in negotiating a feasible monthly payment amount. Despite my repeated explanations that I can not afford their proposed $ 85 monthly payment, they compelled me to sign an agreement under duress during a court proceeding. This situation has led to default, placing me at risk of homelessness and jeopardizing my recent employment due to potential garnishment or the inability to meet their financial demands. 

For nearly a year, I have been borrowing money to meet the agreed payment, which has placed me under considerable financial strain. As a XXXX individual, I believe that providers like XXXX and Mountain Peak Law Group should not exploit vulnerable individuals like myself. I urgently seek assistance to address this unjust situation and ensure fair treatment for XXXX individuals in financial matters.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX