23daVinci/CFPB_Complaints huggingface dataset:
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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$29000.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau over a month ago regarding inaccurate accounts on my report. It is now 45 days later and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I cancelled XXXX XX/XX/XXXX. My final bill ( account number XXXX statement date XX/XX/XXXX ) showed I had an overpayment of {$30.00}. I returned the equipment in the box that they sent me using the US Postal Service in XX/XX/XXXX. I am now receiving collection action from ICSystem in the amount of {$280.00}. They told me this amount is partially for equipment and part unpaid bill. I know I don't owe any bill because I have the last statement showing that they owe me. I sent back all the equipment. I can not find the receipt from the post office. They told me all I can do is go online and tell them I want to dispute it so they can research it but the online forms makes me put in a date and tracking number and they know I don't have either and there is nowhere for me to show them that they say its for an unpaid bill but they owe me. I think they are taking advantage of me because I am a senior. Please help me. I do not owe them money, they owe me money. I attached my last bill and the collection bill. Thank you.
Product: Mortgage

On XX/XX/XXXX, we made a {$1300.00} payment into escrow and it was reversed. Then it shows up on XX/XX/XXXX they took {$520.00} of the {$1300.00} leaving us a balance of {$840.00}. We don't know where that money went. On XX/XX/XXXX they made an unauthorized payment of {$1500.00} and we were trying to pay {$520.00} into the escrow but that's what we were told we owed. In all actuality we didn't. So on XX/XX/XXXX they reversed the payment after my husband complained about them taking it without authorization and the money was returned to his account on XX/XX/XXXX. My husband then made another payment through a different bank account on XX/XX/XXXX for {$1500.00} and our bank says they have the money and it was received on XX/XX/XXXX and now it shows that the money was reversed to the account my husband closed because his account was hacked in their breach and he no longer has that account. So the money he sent on XX/XX/XXXX they say has been reversed and returned to a closed account in the amount of {$1500.00} which is our payment made on XX/XX/XXXX from a totally different account and they reversed that, which shows on our statement from them. They will not apply the money we have sent. We have been going back and forth and they are refusing to fix their mistake. My husband has never given them permission to just go into his account and take me, he always calls and pay it on the XXXX of every month. This has been a nightmare. It looks like we are behind because they want apply our payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Product: Checking or savings account

I have disputed a charge Claim XXXX it has been over 10 business days and the company is refusing to issue a temporary credit dispute me disputing the charge for a return I never got refunded for
Product: Student loan

I am in the public student loan forgiveness ( PSLF ) program with Mohela and FSA. On XX/XX/XXXX I submitted a plan change form, which was date stamped XX/XX/XXXX as the official day of receipt. Mohela has XXXX days to process that form, during which, I am in an administrative forbearance which IS ELIGIBLE towards my PSLF payment count. 

As of today, XX/XX/XXXX, my form has still not been processed. Additionally, XXXX, XXXX, XXXX, and XXXX, remain in the forbearance resulting from the court injunction. This is in grave error. As my forbearance status should be administrative and eligible while the form is being processed. XXXX failure to change my status and or process my form has delayed my forgiveness by XXXX months. XX/XX/XXXX would have been my XXXX eligible month and payment. 

I have called Mohela over XXXX times and FSA even more, as Mohela is almost impossible to reach someone. Mohela directs me to FSA, FSA directs me to Mohela, and no one can or will change my status despite the policy.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and [ XXXX XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws. 

I also have a fraudulent account that does not belong to me with XXXX XXXX and it was opened on XX/XX/XXXX.
Product: Debt collection

In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me. 

In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen. 

I ran my credit score through XXXX  recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation. 

In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX  willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.
Product: Debt collection

XX/XX/XXXX I completely paid off Discover Card pursuant to an agreement ( attached herein ) from XX/XX/XXXX - XX/XX/XXXX ( as agreed ). Approximately four years later I found out ( in XX/XX/XXXX ) that they filed a judgment against me in XX/XX/XXXX even though I have proof of payment ( see attached copies of checks ). I have been trying to get them to talk to me since XXXX, but to no avail. I have sent by certified mail letters to all of the CRA 's and they failed to remove this debt even though I sent them copies of the checks and agreement. They ( Discover ) refuse to remove the judgment from my credit report ; they can not find my file ; they can not prove I owe the debt. I sent them the agreement and copies of the checks and they have never responded or sent any documentation they have on file to show I owe this debt. Apparently this debt has changed hands several times between debt collectors and they can not show that I have not paid. They did not even have my SS # until I sent it to their representative 3 weeks ago. Still no response. I feel they have violated UDAAP and the FCRA.
Product: Debt collection

This is a unverified debt i ask the company to show proof of the debt belonging to me I never received the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with XXXX  XXXX XXXX. I spoke and tried to fix the issue with XXXX  XXXX XXXX, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with XXXX  XXXX XXXX for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with Early Warning Services to fix this issue. I even went back to XXXX  XXXX XXXX, but they told me to dispute with Early Warning Services. The response I kept getting from Early Warning Services was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of XXXX XXXX and my XXXX XXXX XXXX to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : XXXX XXXX  XXXX Bank  Routing # : XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX XXXX account number XXXX XXXX Other parties involved -- - Early Warning Services , LLC ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. is obligated by the FCRA to report accurate accounting. XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( XXXX ) ( A ) ( B ). 

XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. XXXX fraud report will be filed on behalf of consumer, consumer is now requesting XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an XXXX report. If XXXX, XXXX, TRANSUNION, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

XXXX, XXXX, and TRANSUNION ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST XXXX, TRANSUNION, and XXXX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. XXXX, TRANSUNION, and XXXX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit doesnt go up for long time
Product: Vehicle loan or lease

I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, TRANSUNION and XXXX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

on XX/XX/XXXX, I asked Equifax to reinvestigate the following accounts on my credit report. XXXX - XXXX. They received my Letter on XX/XX/XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX equifax said that the accounts were verified. per 15 usc 1681i i have the right to request clarification of the method of verification. On XX/XX/XXXX i formally submitted my request for the method of verification. per the FCRA the company has 15 days to respond and as of today i have not received the method of verification paperwork that i requested and is lawfully entitled. according to the FCRA consumer reporting agencies hold a responsibility to publish 100 % accurate information. one quick glance at my credit report and i can spot inaccuracies. if an investigation was performed, they would have found these mistakes also. XXXX : the first error I spotted is " high credit '. XXXX and experian list the account as having a high balance of {$6700.00}, but equifax says the account high credit is {$5800.00}. This clearly not 100 % accurate. Which one of those high balance is 100 % acccurate? another obvious error is the date last active. XXXX has XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. how is it possible for one account to have different dates of last activity. these are examples of errors that i see and should have been identified when Equifax performed their reinvestigation.

its not hard to ee this account is no 100 % accurate please delete. its too late to reinvestigate that should have been done in XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1692g ( 807 ) : False & misleading - The Bureaus, Inc is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- The Bureaus, Inc is not licensed in the state of Washington . Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in XXXX  state XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX/Zellepay.com sent money thinking I was purchasing an item and was scammed for {$1600.00}. I didn't receive product out {$1600.00} and my bank of 25+ years won't reverse the charges. It was stated no error occurred. I didn't receive the product and was scammed out of my money. When speaking with customer service representative, they should be required to ask questions to deter fraud. Do you know this person? This can't be reversed? Something put in place to protect people and their hard earned money. Being a customer and never using a product such as Zelle and making large transactions should be some hold before the money is sent. This happened on XX/XX/XXXX. There needs to be some form of protection or products like this shouldn't be legal.