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

I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with Equifax over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that Equifax searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to dispute inaccurate information on my credit report, specifically regarding an account reported by a collection agency. 

The account in question is associated with an apartment XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I was not aware there was debt that was sold to a collection agency without my prior consent. for XXXX which is insane. 

Under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a creditor to sell or assign a debt to a collection agency without the debtors consent or proper notice. Furthermore, consumer law prohibits credit bureaus from reporting information that has not been consented to by the consumer. 
The collection account in question, listed under on all 3 of my reports does'nt even have a collection agency company listed its just a massive debt with no one to contact and this has drastically ruined my otherwise great credit all there is an amount and an partial account number, it was was reported to the credit bureaus without my consent, which violates my rights under consumer law. The reporting of this debt is not only unauthorized but also unlawful.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I asked Tower Loan in XXXX, MS to no longer call a reference that was listed. They have now called this reference multiple times ( XX/XX/XXXX ). They also sent a text message to a reference that never gave permission for text messages. This message includes the representatives ne amd company phone number. The text happened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So the credit companies have a security breech, and I freeze my credit. I should n't have to pay {$10.00} to Experian every time I have to freeze or thaw my credit. They make the mistake and I have to pay for it. So they will profit from their neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card someone used to originate this consumer credit transaction below. They should all be removed from my consumer report pursuant 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transaction from my credit report immediately as they are a violation of my right as a federally protected consumer under title 15 chapter 41. 

My information was also affected my XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in noncompliance and this is my last time attempting to settle this matter before a lawsuit is filed I as a consumer withdraw my consent for XXXX XXXX XXXX to report any missed or late payment from XX/XX/2021 on my consumer report I have tried to settle this matter several times and this is the last straw. XXXX XXXX XXXX you are to cease and desist from reporting the late or missed payment from XX/XX/2021 from XXXX XXXX undermines title 15 Usc 1681 b you do not have permission to furnish that transaction on my consumer report I do not consent any further reporting is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to OK because the reporting of these late payments are not supposed to appear on a consumers report. 
According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2.

This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Product: Credit card or prepaid card

Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. 
My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica
Product: Debt collection

I was reviewing my credit report and noticed a debt collector reporting an unauthorized collections on my credit report. 

I sent them a certified letter asking them to verify the item because the information listed on my credit report is inaccurate. This inaccuracy in inhibiting my right to have accurate information reporting to my credit reports.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 or other personal consumer reports

On XX/XX/year> I sent the XXXX XXXX  XXXX of LoanCare , LLC a Debt Validation Request to be clear on who " owned ' my alleged mortgage loan. In a letter dated XX/XX/year> ( which I received on XX/XX/year> ) the " XXXX XXXX XXXX ( for LoanCare , LLC ) replied to my debt validation letter, stating that " XXXX XXXX XXXX XXXX XXXX is the owner or assignee '' of the alleged mortgage loan, also giving me the Pool Number for the mortgage " loan '', The next day, I sent out a letter for LoanCare , LLC to stop contacting me ( and have XXXX ONLY to contact me, regarding this alleged debt, as I haven't contracted with either, BUT XXXX bought my mortgage note so I'm also getting validation from them ) LoanCare , LLC is reporting on my credit report and they are a XXXX-party whom I have no business with. XXXX XXXX XXXX XXXX XXXX is using LoanCare , LLC as a subservicer, due to XXXX not being licensed to service mortgages in the State of XXXX XXXX and I have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. 

Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. 

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. 

This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( XXXX  XXXX ) and 18 U.S.C. 1343 ( XXXX XXXX ).
Product: Checking or savings account

SunCoast credit Union committed XXXX and stole the money I had in my account I had a few XXXX dollars in my account then all of a sudden they charged an over draft fee for a non existent charge. i didn't receive any charge to where they should charge a fee and when they charged the fee then they used that fee to charge another fee then for every fee they charged they kept using the fee 's to charge other fees until they put the account into a negative balance.
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. Details of the XXXX : The credit card account was opened on XX/XX/XXXX by AVANT. XXXX / XXXX. The account appears on my credit report with a balance of {$1000.00} that I did not incur. I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. Actions Taken : I have reported this identity theft to the FTC at XXXX, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. I have reached out to AVANT. LLC to dispute the fraudulent account, but they have not resolved the issue. They also just recently put this debt back on my report
Product: Payday loan, title loan, or personal loan

It has come to my attention that payday loans and installment loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Better Day Loans, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. However, a breakdown will be provided of what has been paid on the loans to XXXX XXXX. 

Currently, I have received {$2400.00} installment loan effective XX/XX/2020. I had paid 7 payments in the amount of {$290.00} and 1 payment for {$370.00} totaling {$2400.00}. My loan should be voided as I have paid the principal amount back in full. I have also several loans before this and have a made an overpayment that should be due back to me for {$750.00} XX/XX/2020 received a loan for {$2400.00}. Payments made to this loan {$2400.00} XXXX XXXX received a loan for {$1100.00}. Payments made to this loan {$1400.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1700.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1600.00}
Product: Credit reporting or other personal consumer reports

I have disputed my Department of EducationXXXX accounts that are still appearing on my " Experian '' credit report. They are appearing as " open and with a balance '', when they should be appearing as closed/transferred and with a {$0.00} balance. This is causing my credit report to show twice the amount of money on student loans and it is affecting every aspect of my life in a very negative way. My debt-to-income ratio is not qualifying me for anything. I have disputed this XXXX times with Experian, have made phone calls them and submitted documentation from the Department of EducationXXXX as proof ( that accounts are closed and with XXXX balances ). They continue to ignore my request and report incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to have Experian investigate and Remove any accounts that can not be verified as belonging to me to no avail.
Product: Bank account or service

I have the Bank of America Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my account. 

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

Please check my account and, if it's feasible, take the late payments off of my credit record. This gesture, in my opinion, would go a long way toward mitigating the negative effects on my credit history and enabling me to work on improving my financial situation. 

Please let me know if there is any more information or supporting material you need, and I will send it over right away.
Product: Debt collection

Good day : I am behind on my car payments with Honda Financial Services. I made attempts to resolve this issue by coming up with a repayment plan. 

1 ) Honda did a hard inquiery on my credit report without my knowledge or consent. 

2 ) I have been receiving phone calls from a woman named " Investigator XXXX '' ( XXXX ) XXXX. The person has been calling non stop, on my cell as well as at work and also texting me. I am not allowed to receive personal calls at work as I work for a private college. " Investigator XXXX '' has been very " threatening '' me. I spoke to an attorney, XXXX XXXX, who tried to located her in order to send her a " Cease and Desist '' letter but was unable to locate her address. 

3 ) A woman named XXXX from Honda called MY secretary at work, on her personal cell phone asking her to have me call her. First, I have no idea how she got a hold of my secretary personal cell number, but second it is absolutely unnaceptable. ( XXXX XXXX ). 

4 ) The repo company, to which I have no idea who they are, and my attorney tried to locate them, again, to no avail, has been calling me non stop at work as well. 

I have never been so harrassed by a debt collector in my life. I am terrified by the calls - and I asked many times to NOT call me at work. 

I want to resolve this issue but no in fear. 

The fact that they called my secretary on her personal cell number is not ok.
Product: Debt collection

The creditor attempted to collect a debt. I am requesting that under 609 FCRA the collection company or creditor present an original contract with my signature on it evidencing that it has a right to collect. The original contract is crucial to the creditor 's right to collect on the alleged debt. I do not owe the creditor nor do I owe the collection company the debt they are trying to collect. This is an XXXX company who under Florida law must have a signed lease evidencing whether the landlord has a right to collect up to the early termination fees or not. The creditor nor collection company has provided this information to the credit bureau nor to me. I am demanding that the collection company and the creditor cease collection on this account immediately and that it be removed from my credit. It has damaged my credit and my ability to obtain housing. Collection company is Mutual Management and the Creditor is XXXX  ( XXXX XXXX XXXX  XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I was contacted via XXXX with an invitation to take part in a XXXX investment scheme. I thought I recognized one of the names on the list of advisors in the investment group. The group had over XXXX members some of whom shared their screens show profits for the days trading.\nFirst I invested in cyber currency form my Coinbase account. My coach XXXX guided me through the process of the transfer. That investment very quickly gleaned a profit on the first trade. I was asked to invest more capital, which I did. There was some complications in making the transfers via XXXX which failed. The only way I was able to invest funds was by wire transfer to Coinbase. Then transfer to XXXX 

During this time I was invited to trade on the XXXX cyber currency trading platform. Each time coach XXXX guided me every step of the way using XXXX to send screen grabs back and forth. I would send XXXX a screen grab from my screen he would mark up the image indicating what information to put in or link to click and send the image back to me. 

I was asked to invest more so that I could get onto a higher level of trading. I did invest 2 times, each via wire transfer to Coinbase then on to XXXX 

I told XXXX that I would invest more but before doing so I wanted to run a test of withdrawing money from the account. XXXX agreed to coach me through that process. Which he did. We took back {$100.00} to my Coinbase account. During the process I purposely made a typing error adding an extra XXXX to the XXXX making the sum {$1100.00}. I was corrected by coach XXXX. 

I called Coinbase tech support to coach me through transferring back to my bank account. Which I did and the money cleared. 

Later when I tried to make a withdrawal and got a Insufficient Funds response. Yet my account has $ XXXX showing