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

I made a purchase on PayPal Credit for {$110.00} back in XX/XX/2019. I cancelled the order and was issued a refund. However, my balance was not adjusted. I reached out about half a year ago and they made some changes to my account but my balance remained unchanged. Over the past half year, I've been contacting them multiple times about this issue with no resolution and now my account is 'overdue ' because of the balance and interest is accruing on that. It will soon affect my credit report and I was informed they can take up 3 months to fix this. I've already been waiting for 6 months for this to get resolved and such a wait is not acceptable.
Product: Debt collection

Original Institution Capital One which has been deleted from all the credit reporting agencies, XXXX is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete XXXX from credit profile. 

Respectfuly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Heights finance company is reporting on my credit report incorrectly. It is saying that I still owe money to them, I do not. This loan has been paid off and is negatively reporting on my credit. Ive called them numerous times and they say I dont owe money and they cant do anything about my crisis report
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I do not have an agreement or contract with this company. They can not verify neccessary info to collect any debts from me.
Product: Credit card

The Company, Capital One charged me {$10.00} as a Cash Advance for a money transfer I made with XXXX XXXX. No cash advance was ever received and when I inquired through their Customer Service, I was told that it was actually not a cash advance to me but a charge made by Capital One. I totally disagree and consider it an inappropriate charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX  that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
XXXX XXXX HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised XXXX XXXX they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability XXXX Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ EXPERIAN ] for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EXPERIAN to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EXPERIAN for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EXPERIAN upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

My name is XXXX XXXX. I would like to file a complaint against XXXX XXXX card for fraud. I am XXXX military veteran who fell on hard times during the recession. I had filed for chapter XXXX bankruptcy in XX/XX/XXXX and the last payment I had made to any creditor was in XX/XX/XXXX. I was XXXX from the military at the height of the recession and in XX/XX/XXXX my bankruptcy was discharged. All of my creditors have dropped off of my credit report with the exception of XXXX, XXXX XXXX card. They are fraudulently claiming that I made a payment in XX/XX/XXXX in order to keep this on my credit report causing me irreparable harm to my credit and ability to take care of my family. I have been trying to re establish my credit so I can by a house for my children to grow up in but due to this fraudulent creditor it shows that I have over XXXX late payments causing major drops in my credit report. I have tried contacting Equifax with no avail and I know that neither they nor XXXX can prove I made a payment on that account. It does n't make much sense that I would make a lone payment on XXXX of over a XXXX accounts does it? Here I am nearly 10 years after the fact of my last payment and it 's still on my credit report. Please help me resolve this issues and prosecute this company for fraudulent practices. Thank you. 


XXXX XXXX XXXX XXXX 
XXXX, GA XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX opened a store account and XXXX Credit Card is issued by Comenity Bank, for someone who incorrectly entered my email address. They did not at any time verify that this email address was correct. 

I am now receiving repeated emails about this account, including credit card statements and they provide no means of redress. The emails are all sent from do-not-reply email addresses and any means of getting support requires full log in. 

I contacted them via XXXX on XXXX XXXX, their response : " ... can you kindly provide additional details of the emails you are receiving? I.e. marketing emails, XXXX credit card emails, order confirmation emails? '' my reply : " Hello, all of the above. Can you send me an email address & I'll forward them to you. '' their response : " Hello XXXX, you can remove your email from our database by clicking unsubscribe at the bottom left corner of the email. '' my reply : " No I can't, because they are account emails. You let people set up accounts with other people 's email addresses. '' There should be a law against sending email 's with no possibility unsubscribe without first verifying that the email address is correct.
Product: Credit reporting

On my Experian account it shows that I have XXXX unauthorized inquiries, XXXX from XXXX and XXXX from XXXX XXXX XXXX ( Experian & XXXX ). I called Experian and they told me that they can not do anything but report the inquiry. 
Regarding XXXX - I called XXXX customer service and they advised that they can not speak on behalf of XXXX. So I called XXXX their phone number is disconnected. I have a XXXX credit card because my XXXX XXXX XXXX card was automatically transferred. The transition was a nightmare, they did n't send me my card, i had no idea my new account information, and now i see that XXXX is making hard inquires to my credit. 
Regarding XXXX XXXX XXXX - they made a hard inquiry on my Experian & XXXX credit report in addition to where I leased my car which is XXXX XXXX. Not only that, they obtained my credit report after I closed the deal with XXXX XXXX where a copy of my credit report was shown to me. 
I reported both unauthorized inquires to Experian and each time they told me to call the XXXX & XXXX XXXX XXXX because they can not do anything but report. 
I would like to remove these unauthorized inquiries from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING A DELINQUENT ACCOUNT CLOSED AND PAID AND SHOULD BE DELETED AND STILL REPORTING ON MY CREDIT PROFILE AND SHOULD BE DELETED IMMEDIATELY
Product: Credit card

My credit card information was stolen online and was used to make fraudulent transactions without my permission. All of my information was used on these purchases as if they were me, but they werent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent name on my credit reports. My name is not nor has it ever been XXXX XXXX. This may explain high number if credit inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

LOANCARE LCC morgage lender. lied and put missed payments for about 10 months when loan was in forbearance due to covid 19. loan was paid in full in XXXX XXXX they wrote comments on my report since i filed a complaint a few months ago : they wrote no more than 2 missed payments .... but they did not fix my credit report. it still has red x 's saying missed payments. i need them to write letters to all 3 credit bureas stating that they were not late payments but showing loan was in forbearance. I can't get a loan b/c they messed up my credit. they will not talk to me on the phone i have been on hold for hours and hours within the past 6 mo. My payments were not late. they need to fix my credit report. 

we also made some payments during forbearance about {$3200.00} that was not deducted from the loan and we never saw that money in the payout.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not understanding how can yall still report active duty on closed accounts Im not understanding why yall are not listening to me what are yall still telling me Im lying so if Im saying its not me yall say its caused the company says its a match, so my identity information was stolen so you telling me its a match and Im a liar well Im telling you guys its not me its not fair to listen to them and not me Im a customer and Im very unsatisfied cause of the way Im being treated Im being treated as yall dont care about the victims of identity theft,, Wat would you do if it was you and they do yall this it wouldnt feel nice please removed those closed accounts and those negative items on my account please its not me please stop reporting closed accounts on my report dragging my score down worse than wat it is please
Product: Credit reporting or other personal consumer reports

I have disputed this issue several times and have gotten responses from XXXX, XXXX and Transunion in regards this late payment on my credit report. They are still reporting late payment which has cause me damages to my credit report. 
XXXX XXXX XXXX  partial acct. # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the Fair Credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : 2. Exclusion - except as provided in paragraph ( 3 ), the term " consumer report '' include : ( A ) Subject to section 1681s-3 of this title, any ..... 
( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them from my file right away : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I, XXXX XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$8700.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Discover Bank on XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on ( date you called ) and spoke with ( all the people you spoke with ) recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Student loan

I have received a settlement check from Conduent Education for XXXX $ because of faulty loan practices. This came to my old address and my mother in law did not give me this until maybe XX/XX/XXXX. They used the wrong last name as XXXX XXXX on the check as I never changed my name when I had gotten married, my last name has always been XXXX. I have asked for a replacement check and gave them a copy of my drivers license. I have been told various dates which have come and gone and still have no check. At first the said XX/XX/XXXX but on XX/XX/XXXX I had gotten this email. 
Good morning XXXX, XXXX The replacement check was scheduled to be mailed by Friday last week at the latest. Please allow 3 5 business days to receive the check. 

Sincerely, XXXX XXXX Account Executive Conduent Education CONDUENT XXXX, NY XXXX I havent received any other information since after multiple emails. Since Conduent Education no longer does student loans none of the phone numbers work. I am concerned because the last date the first check gave as an expiration was XX/XX/XXXX so I am wondering if the new check will be the same and if I will get it on time. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was included in my bankruptcy and this company is reporting this account as active. This is against the law to still report as active. Please hold this company accountable. 
BMG MONEY INC- ACCOUNT NUMBER - XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan and was denied based on high utilization, according to the response. This occurred as I was literally holding my credit report in my hand, showing only 1 % utilization. I attempted to check my rate for a smaller loan instead, and was denied immediately without even being evaluated, per the emailed response, because I had already asked and been denied for bogus reasons. When Attempting to contact customer support, they were entirely unhelpful, transferring me multiple times without answering any questions or providing any explanation on why their reasoning completely contradicted my credit report. They simply disconnected the line after the first transfer without a word, refusing to assist me in any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on XXXX closed accounts as accurate and on time. XXXX is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and vantage score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I became aware that my mortgage had been sold to another company when I got a letter form Ocwen mortgage services dated XXXX XXXX, 2015. We closed on home XXXX XXXX with a first payment due on XXXX XXXX. On XXXX XXXX I received a letter form Ocwen saying my hazard insurance had expired and they were planning on buying insurance for me. In my state you ca n't close on a mortgage loan with out home insurance. I called the people we got our loan from and they said that information was included when the loan was transferred but they would go ahead and again verify that we had insurance on the house. On XXXX XXXX, 2015 I received and account statement that said my first payment was due on XXXX XXXX but the amount due was {$910.00} which was {$400.00} more than the amount on our closing papers. two days later I got a phone call from Ocwen asking me to verify my account by giving her the last 4 digits of my social security number which I refused to do. She then said I could verify my account by giving her information from the account statement. I gave her the property address and the amount due and she told me that was incorrect. I ask how that could be incorrect since I was reading it from the account statement I had just received from Ocwen. 
She again repeated that it was incorrect and that I could verify my account by giving her the last 4 digits of my SS # and that is where the conversation ended. On XXXX XXXX, 2015 I received another account state form Ocwen with the correct information but I have never been asked to verify any thing since that first statement. On XXXX Ocwen sent me a privacy statement saying they sometimes share information with other financial companies. My unofficial count of companies having my information is about 8 right now. 
On XXXX XXXX, 2015 I received a letter from XXXX XXXX saying they had purchased our mortgage on XXXX XXXX, 2015 but they were now selling it to Homeward Residential and that I should make my payments to them. If I sent payments to XXXX they would be refused. I have never received any payment information form Homeward so where do I send payments for my loan. If I ca n't make a payment on the loan I will be in default and that will lead to foreclosure. I just applied for a home equity loan so I can pay off who ever has the loan but it now seems nobody wants to claim it at least not until I have missed some payments and then I expect Ocwen to inform me that I am late on my payments and they are going to start the foreclosure process