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

My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my XXXX  score shows XXXX, but the Equifax Mortgage Solution received a score of XXXX from XXXX. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and Equifax Mortgage Services I was denied a mortgage of which I clearly qualified for prior to the report they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by Transunion XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.
Product: Credit reporting or other personal consumer reports

I have become aware that despite submissions accompanied by an FTC report, reference number XXXX, the necessary file deletions have not been executed. In accordance with Section 605B of the FCRA, this certified letter is intended to establish grounds for legal action if necessary. Additionally, I have included a new FTC report with reference number XXXX. Should you fail to remove the inaccurately reported inquiries listed below, which arose from errors in credit reporting, I will transfer my documents to my legal counsel to commence litigation. It is not my desire to pursue legal action, so I urge you to comply with the statutory requirements and delete the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are hereby notified that you have four business days to expunge any inaccuracies in my credit report stemming from flawed credit reporting practices. I explicitly do not agree to the use of E-OSCAR or any automated verification systems.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER XXXX XXXX XXXX XXXX  The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER XXXX XXXXXXXX - The following personal information is incorrect - The personal data reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

There is no access to the loan servicing company 's website. It will not load on any of my devices. Others are having the same problem as noted on many message boards. I am not able to determine my loan balance or verify the proper application of my loan payments. 

The company recently took over the loan servicing of my loan from XXXX.
Product: Credit reporting or other personal consumer reports

I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

have had my credit report pulled for a home purchase and found inaccuracies that are keeping me from proceeding. There are XXXX loans from Department of Education reporting on my Equifax report as open, late 120 days and with balances. This is incorrect. These accounts were transferred to XXXX and are current. The accounts showing as DP of EDUC on my credit report should be reporting a XXXX balance and be listed as closed due to transfer. 

I have attached 6 screenshots from my credit report showing the 3 " late 120 days Dep of Ed " loans with balances and the 3 current XXXX loans on my credit report. You can clearly see that balances match up. The older files were obviously transferred to XXXX. This error is only showing on my Equifax report. I have also included a copy of my license as proof of ID.

These Department of Education loans showing as open/ late with balances are preventing me from obtaining necessary funding. I need this researched and updated to paid or transferred as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

I had a judgment placed on me in XXXX of 2012 by XXXX apartment complex for an eviction in the amount of XXXX plus XXXX in court fees. I have been trying to pay this judgment to the apartment complex that placed it as I was advised to do the the judge 's office over this case. The apartment complex added XXXX in additional fees on my account after the judgment was set in place and then sent my account to collections with Hunter Warfield that now has a total of XXXX. I contacted the judges office that granted the judgement and they stated I am only required to pay the judgment amount of XXXX plus XXXX in court fees. And that the apartments do not have the right to add charges after the judgment was placed. All charges due should have been brought to court when we went. I am trying to pay this judgment and they have refused my payment because of the incorrect balance they are reporting on my account. My rights under the FDCPA have been violated. 
( 1 ) Contacting me at my place of employment despite receiving verbal notice from me that I am not allowed to accept such calls at work. After I stated this to the customer rep and provided her with my cell number she called me right back at my place of employment the same day ; FDCPA 15 U.S.C. 1692c states : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT call the consumer 's place of employment if they have been advised that calls can not be accepted at work. 

( 2 ) Using rude and a hostile tone by the manager I was transferred to after requesting a copy of the itemized of the debt in question because the customer rep state she could not provide me with that information, the manager stated he submitted the information to be mailed to me and I still have not received a copy of the itemized statement for these charges on this account that was requested a month ago ; FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Use any profane language or any language that is harassing and abusive FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Engage in any conduct, the natural consequence of which is to harass abuse or oppress. 

( 3 ) Continuing to report to all XXXX credit bureaus an incorrect balance owed of {$4500.00} after I provided a copy of my court judgment for this account stating I actually owe {$1800.00}. 
FDCPA 15 U.S.C. 1692e states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Send false information to the credit bureaus
Product: Prepaid card

GOOGLE WALLET DONT TAKE CREDIT CARDS BUT CHARGED MY CREDIT CARD AND ON TOP OF THEY THEY CLOSED MY ACCOUNT AND FAILED TO SEND ME THE MONEY LEFT IN MY ACCOUNT
Product: Mortgage

SunTrust mortgage also known as Truist is taking advantage of their mortgage holders during this time. Covid-19 has devastated us during this time. I have called their help line for weeks now with no answer. I have been on hold for a minimum of 4 hours each time. And sometimes it just hangs up on me after holding that long. I went online and the only help they will offer is 3 months forbearance. And you have to pay all 3 months back plus your 4th payment to come current. How is that help at all? People are going to lose their homes because they refuse to defer the 3 payments to the end of the loan. They need to be investigated.
Product: Prepaid card

The date today is XX/XX/2023. I've been trying to activate a prepaid virtual card worth {$50.00} with the company MyPrepaidCenter ( online via their website ). I tried entering the code and it says " oops! There's an error on our side. Try again later. '' I even tried registering and making an account with them but got the same error message when trying to sign in. The site is completely broken. 
So I called the company to get help. They asked me what browser I was using and I told them I tried on XXXX and XXXXXXXX XXXX. They told me I needed to redeem my code by using XXXX XXXX and if I have any issues after that, to call them back. The operator told me he wasn't allowed to stay on the line while I downloaded the browser. I told him that was fine and if I had issues, I'd give them a call. 
I downloaded XXXXXXXX XXXX, tried again, and still had the same issues. I called back and left my email with a different male operator. According to him there's an issue with my code that makes it broken and this is a known issue. He said I would be emailed a new code and I've yet to receive an email. Checked my spam folder and everything. No code, link, or anything from them.
Product: Credit reporting or other personal consumer reports

I I sent out dispute letters and I never received a response for the company
Product: Prepaid card

I purchased a vanilla visa gift card on XX/XX/year> from a XXXX store I loaded the card and made XXXX purchases leaving my balance at {$45.00} dollars. Same date as purchase I called the number to check my balance they informed me I had the above mentioned amount but couldn't spend it because the card was blocked due to a potential fradualent merchant although the company refuses to provide a merchant id number or location XXXX I was informed it would take 7 -10 business days to replace my card I waited and they never sent it so I called around the XXXX on this day they are willing to expedite my replacement claiming 2-5 business days and this is now XXXX I cal XXXX  XXXX services had them conference the call with this incomm card services we spent 2 hours getting no where nothing but the generic prewritten responses in broken english, they refuse claiming it's not possible according to their policy to provide a XXXX  XXXX tracking number for the expidited card, they now want me to send address verification mind you my building is secured and mail area on camera I've had no issues in the 3 years at my residence with receiving XXXX mail or XXXX  XXXX packages, XXXX XXXX recorded the call until my conversation with incomm required their employee to place my call on hold the man comes back an instead of answering my question he asks if XXXX is recording after the second time he was informed again the call was recorded demanded it not be he disconnected with again no resolution this incomm should be investigated the XXXX XXXX representative gave me this reference # for the 2 hours imi spent on the phone # XXXX and that was today
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH 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 my 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 in those 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.

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 or other personal consumer reports

I paid my Bills, As usual. 
And some are paid in full, yet, my score was lowered by XXXX points without notice, Or any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX The following accounts are being reported by the credit bureaus, and these account should be accurately. CRAs have a duty and responsibility to provide true and accurate information on my report. I have never been late on these accounts.Please Proof must be provide that these accounts were in infact late. If proof can not be provide it, update these accounts with paid and never late on the account. 

XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX Late Payment ( never been late on payment ) XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 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 ) : 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 personal 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 may be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran an XXXX credit report and it showed a hard inquiry from CBNA/THD and stated " When applying for credit or financing or as a result of a collection, a " hard inquiry '' will appear on your Credit Report. '' I have not applied for credit or financing. I don't know what they mean by " as a result of a collection '', but if they are talking about some kind of debt collection there has been none. 
I want this removed from my report and want to know if someone claiming to be me applied for financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX each has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am demanding remedy due to the violation of the following Laws : Violation of : 15 U.S.C. 1681 ( a ). Protects the consumer 's right to privacy Violation of : 15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency can not furnish a account without my written instructions.

Violation of : 15 U.S.C. 1681c. ( a ) ( 5 ) 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 7 years.

Violation of : 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 the information is inaccurate.
Product: Vehicle loan or lease

On or about XX/XX/2020, I purchased a new vehicle from XXXX XXXX XXXX, XXXX, Alabama. Purchase price of the new vehicle is {$55000.00}. My down payment is {$40000.00} and I desired to finance {$15000.00}. XXXX XXXX XXXX shopped my loan to several lending agencies of which one was BBVA, XXXX XXXX XXXX XXXX, XXXX AL, XXXX. BBVA refused to extend credit. BBVA refuses to communicate with me regarding the reasons for credit refusal. I have called four times ( Answering Machine ) requesting information regarding my credit application. BBVA will not return my requests for information regarding my loan application.
Product: Debt collection

This debt was paid in full in XXXX of 2019. Was removed from my credit report then and is now back on there showing not paid ... .. This is wrong and must be updated ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Bank account or service

I am XXXX and was discriminated against by USAA because of my race/class. On XXXX/XXXX/16 I deposited a money order in my account for {$500.00}. The money order was placed on hold until XXXX/XXXX/16. I called to speak with an agent on XXXX/XXXX/16 to see why the hold had been placed on money order ( same as cash ) that I 'd purchased with cash. The first agent I spoke with ( XXXX ) asked me where did I get the money from to by the money order. Which is discrimination and was not the cause of my money being held. I asked her what did she mean and she said how did you make that money. I told her I was offened by that question. She never apologized. I explained to her that I had checks coming out of the account ( rent, etc. ) that the money would need to cover and if not available my account would be overdrawn. I also explained to her the hardship it would cause my family and the only reason I deposited the money orders is because I thought it was the same as cash. There is no USAA bank in my state so other than direct deposit and depositing money orders through my mibile account I have no way of depositing funds. I asked if the call could be escalated to another department which it was. The second representative I assumed would better trained in costumer service but not so. She too belittled me asking " I do n't understand way you would deposit the money orders with the possibility of them being held. '' This was after I 'd explained to her that I thought the money order was same as cash. She was very rude and told me " I 'm not reversing the hold now what else do you want to talk about. '' As of now {$560.00} ( money orders which I purchased ) is on hold and will not be released until XXXX/XXXX/2016. Please advise me what to do at this point.