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

My previous complaint # XXXX States that portfolio recovery is inaccurately reporting incorrect dates for debts owed. Their response is they have no control over the information reported? Portfolio Recovery reported the information to the credit bureaus initially. Portfolio has denied taking responsibility for he information they communicated to all credit bereaus. Portfolio recovery stated they are not responsible for the inaccurate information? Do they not have the responsibility to report correct information if they are aware its inaccurate? I demand portfolio recovery correct the errors instead of doing nothing to correct the errors.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and charges on my personal credit file from XXXX XXXXXXXX XXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two hard inquiries listed on my credit report which I believe to be unauthorized and in violation of federal law. Please see my detailed information below : The hard inquiries unrecognizable are : XXXX. XXXX XXXX NA Date Reported : XX/XX/XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX I do not recognize these hard pulls and they were not authorized by me. Therefore, they violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs permissible purposes for obtaining consumer reports. Additionally, please note the following sections of the FCRA which further support my dispute : 15 U.S.C. 1681e ( b ) : 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.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation 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 promptly delete that item of information from the file of the consumer.

As a consumer, my rights under the FCRA are clear, and unauthorized inquiries can result in inaccurate reporting and potential harm to my credit score. Given these inquiries were not made with my consent or for a permissible purpose, they must be removed from my credit report immediately.

Please investigate this matter promptly and correct the inaccuracies by removing these unauthorized inquiries. I would appreciate your prompt attention to this matter and expect a resolution within the 30-day investigation perdido as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted LJ ROSS AND ASSOCIATES online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. LJ ROSS AND ASSOCIATES has failed to provide me with any form of account validation that I have requested in my certified letter to them. 

I spoke with XXXX XXXX ( original creditor ) on XX/XX/XXXX. 
Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with LJ ROSS AND ASSOCIATES or anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with below.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my XXXX and XXXX  credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me
Product: Student loan

On numerous occasions I have had to resubmit financial documents to Naviant in order to have my student loans rehabilitated. I gather all of the need documents such as daycare receipts, bills such as mortgage, utilities and car payments. Each respond that we have received back regarding the submitted documents range from sorry but this form was not included or sorry we need you to resubmit all your documents. This has been on going for a year now. I call naviant today XX/XX/XXXX to discuss making a payment to my account which is supposed to be around {$270.00} a month. The customer service representative tells me that Im supposed to make a monthly payment of {$1300.00}. I told her about the rehabilitation payment of {$270.00} a month and asked her where she got that larger number from. She hangs up on me. I call back to Navient and no answer.
Product: Debt collection

That was lease purchase equipment they decided to take the equipment and sold them at the auction then they ask me for the amount I put down as security deposit over {$98000.00} They destroyed my credit score my business in process they sold the trucks already XXXX XXXX XXXX Last reported XX/XX/XXXX {$97000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Remarks Original creditor name Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX.
Product: Student loan

maximus education / aidvantage is a garbage company, they refuse to switch my repayment place despite multiple attempts, each time you call them it takes over an hour to get someone on the line and then they are incompetent, give you wrong repayment information and do nothing with your requests, this company is basically a scam and there is a high likelihood they will mishandle your student loan because they are severely understaffed an not equipped to deal with borrowers
Product: Credit reporting or other personal consumer reports

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX - they also practice unfair collecting.

Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family.

Very embarrassing and it should be illegal.
Product: Credit reporting or other personal consumer reports

Please remove this from my credit report XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2024. 

This names XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX are not mine please also update my information. I did not make any inquires or anything with these names. 

the following addresses are not mine
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. 
XXXX XXXXXXXX XXXX balance. {$180.00} XXXX XXXXXXXX XXXX balance. {$270.00} XXXX XXXX Systems balance. {$760.00} XXXX XXXX XXXX XXXX  XXXX balance. {$2500.00} XXXX XXXX XXXX XXXX balance. {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Service Finance Company is unreachable by either of 2 tel XXXX Or XXXX I give them my Acct XXXX Then give last 4 of SS Then they say they can not find account. 

I tried XXXX  for operator but they simply repeat same useless procedures. 

I want to confirm the day and address that full payment is required before any interest is incurred. 

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

XXXX Credit report XXXX. After several tries to get the XXXX XXXX XXXX XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the Equifax and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian continue to violate my rights as a consumer both FCRA and The Privacy Act of 1974 by furnishing items to my consumer report without written permission from me or without conducting there due diligence to make sure the other party provides us the Consumer a Privacy Notice before they are allowed to place items on my consumer report none of these two where done. Non compliance can also be proven as these 3 credit reporting agencies have all brought back my disputes as verified when I am the customer and I am saying I didnt authorize it so why are there hard inquiries on my report when there isnt and account tied to it. Why are there Charge Off/ Collections accounts listed on my reports when a charge off is a certificate of Indebtness which makes it income to me which according to law cant be place on my consumer report against me, niether have none of there verified corporations send me a 1099C for the Cancelled debts.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against the major credit bureaus for their repeated failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), as well as other applicable consumer protection laws, in response to my ongoing credit disputes. 

Since XX/XX/year>, I have sent several disputes concerning inaccurate and incomplete information on my credit reports, including letters providing supporting documentation and specific details about the errors. Despite my efforts, the credit bureaus have failed to provide adequate responses, conduct a reasonable investigation, or provide the results of their investigations within the 30-day timeframe mandated under FCRA Section 611 ( 1681i ).

Additionally, they have not provided me with the procedure they used for their investigations, a violation of 1681i ( a ) ( 7 ). To date, it has been over 9 months, and the accounts below continue to report multiple inaccuracies, including : Invalid dates and inconsistent payment histories after the accounts were allegedly charged-off or placed in collection status. 
Questionable balances and incomplete information despite my repeated requests for validation.

These inaccuracies not only violate the FCRA, but they also raise questions about whether the credit bureaus have fulfilled their duty to ensure the accuracy and integrity of the information they report, as required under 1681e ( b ).

Moreover, I have contacted each creditor or collection agency individually to validate and verify the debts under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and related provisions, such as 12 CFR 1006.34 ( Regulation F ). Each of these entities has either failed to respond or claimed they can not locate information tied to my name and the personal information provided. 

Below is a detailed list of the accounts in question : XXXX XXXX XXXX Account # : XXXX Status : Late Payment XXXX XXXXXXXX Account # : XXXX Status : Late Payment XXXX Account # : XXXX Status : Late Payment XXXX XXXX XXXX Account # : XXXX Status : Late Payment XXXX XXXX XXXX  Account # : XXXX Status : Collection XXXX  XXXX Account # : XXXX Status : Charge-off XXXX XXXX XXXX Account # : XXXX Status : XXXX XXXX XXXX  XXXX Account # : XXXX Status : Charge-off XXXX XXXX  Account XXXX XXXX XXXX Status : Charge-off XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Charge-off XXXX Account # : XXXX XXXX : Charge-off XXXX  Account # : XXXX Status : Charge-off XXXX Account # : XXXX Status : Charge-off Each of these accounts contains errors that remain unresolved despite my numerous disputes. By failing to address these issues, the credit bureaus have caused significant harm to my creditworthiness, financial health, and peace of mind.
Product: Money transfer, virtual currency, or money service

Hello- XXXX XXXX XXXX XXXX XXXX XXXX XXXX that uses Wise.com to make international payments to offshore contractors ( mainly programmers ). I made two transfers : 1.  XXXX XXXX for {$6700.00} 2. XXXX XXXX for {$5100.00} The money was withdrawn from my checking account on both occasions ( XXXX XXXX and XXXX XXXX respectively ), but I was informed the transfer was put on hold pending some documentation. I later received an email requesting verification of my co-founders birth date, that I promptly provided.

On XXXX XXXX I received an email stating everything looked good with my account. However my transfers have still not been made, and despite sending multiple emails and making multiple calls to the Wise customer support team, I have not been given any reason as to why the transfers have not been completed or where my funds currently are.

I believe this is a systematic problem with Wise as several consumers and small business have indicating that their funds have gone missing after attempting to using Wise : XXXX XXXX XXXX I urge the CFBP to kindly investigate their practices and help us consumers get back our hard earned money. Thank you. 

Best,
Product: Credit reporting or other personal consumer reports

I disputed this account and I believe my information was stolen and a credit card was issued. The company is saying that I am not an authorized user or customer. I have never been a customer and the information they have is by way of fraud and stolen information. I have changed my name and I have never tried to be a customer of XXXX XXXX. I completely detest the company for its practices and they have damaged me behind fraudulently saying I am or have been their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I discovered my XXXX XXXX dropped XXXX points I looked to find out why, because I worked so hard to not be late and keep my credit score high and pay my revolving accounts on time. I discovered I owed {$14.00} to XXXX XXXX and I paid it immediately, then I requested the account be closed because I didn't want this to happen again. I contacted XXXX XXXX by phone and they discovered they had the wrong address on my account, and I never received a bill. I asked them to contact all 3 credit bureaus to request the delinquent status be removed. They assured me they put that request in. I also disputed the delinquent status with all 3 credit bureaus. It appears that XXXX and XXXX removed the 30 to 90 day delinquent status but Experian refused to remove it from my credit report, statingThe credit reportsme delinquent. It was only {$14.00} and I never received a bill. So to have my XXXX XXXX severely affected XXXX point Negative seems extremely excessive. appreciated.
Product: Debt collection

In 2019 I had an account with XXXX at my old address of XXXX XXXX XXXX XXXX # XXXX. I moved overseas, and called to cancel my account. XXXX assured me the account was closed, but no one showed up to collect the equipment. Someone from their office using the phone number XXXX told me I was still being billed, and the billing wouldn't stop until the equipment was collected. XXXX came, and picked up the equipment and then sent the account to collections for the total of {$470.00}. I just received this collcection notice this past week. Ive included screenshots of the conversation for reference.The XXXX rep is in the gray text box.
Product: Credit card

Hi, I am upset with using the Capital One travel portal after getting my Venture XXXX card. Here are the issues : -The filter feature has a bug. I was unable to select premium economy and sort. 
-Flight itineraries disappear in a few minutes. There's a flaw here too that caused me to spend {$300.00} more per ticket. Maybe search option is not showing all the flights. 

-As Mentioned earlier the search is not showing all the flights ... when searching for a flight on airline 's website, I see better options ( shorter flights ) at the same cost as capital one portal. But turns out I can not use price match or other similar features. 

-I was not helped with price match coz I found a better pricing on capital one portal. Where's fairness if you can not match to your own price -After clicking a watch flight button when the bar pointed dark red and waiting, the price has actually gone up and the bar now points to lighter red. I missed a good deal because of this feature with bugs! 

-On my recent booking I saw a tick on seat selection without any asterisk and so I thought I am saving {$200.00} on seat selection but turns out most of the good seats are either paid or blocked. 

-I didn't get watch flight option on the flight options I recently booked. Where as this was one of the major reasons I got Venture XXXX. 

-Support staff at travel helpline is pathetic. When I asked them to help me call the airline and resolve an issue they asked me to make call myself. If I am not getting service then I would have used my another card where the travel desk makes an effort to help a customer out!
Product: Credit card

I am so very sick and tired of Bank America charging for interest fee 's for no reason at!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

XX/XX/XXXX taxes done reopened my credit karma account XX/XX/XXXX taxes initiated into my credit karma account XX/XX/XXXX they close my account before my money hits my account XX/XX/XXXX got a email to call explain why my account frozen XX/XX/XXXX called no explanation why just wait for a email
Product: Debt collection

upon checking my credit report, i saw this account from CREDIT COLLECTION SERVICES reporting. I never conducted business with this company, never signed an agreement with this company, never gave this company permission to report information on my report nor did i provide them with my nonpublic information. CREDIT COLLECTION SERVICES is infringing upon my rights to privacy and defaming my character.
Product: Credit reporting, credit repair services, 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  : ACCT # XXXX 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: Mortgage

Beginning on  XXXX / XXXX /  XXXX   we started autopay on our mortgage loan with US Bank.   The amount was {$50.00} more than the monthly payment and was to be applied to principle. What we discovered is that US Bank has only been applying {$22.00} of that amount to the principle. I called today and they said they would n't go back and adjust but would make sure that the overage was to go to principle only. They said I would need to prove that was what we wanted. I explained that my statement shows the {$22.00} being applied to the principle so that is acknowledgement on their end that they knew the overage was to be to principle. This has been going on since the onset of our loan. I believe it has been going to interest. The amount due has changed periodically due to increase in property taxes, but is still less than what we specified for application when we started autopay. I asked the  CSR  how made the decision where to apply the overage and why no one contacted us? What can we do about this? we can show we 've been paying over the amount due since day one.