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

Back in XX/XX/XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XX/XX/XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX XXXX showed it as a charge off on my credit. This was back in XX/XX/XXXX and XXXX  keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.
Product: Credit reporting or other personal consumer reports

I pulled my account on XXXX and I see that Global Lending Services is reporting my loan as being late as of XXXX XXXX. They overcharged me on my account and when they corrected it, I paid my loan off completely. They are reporting inaccurate information on my credit report. I have enclosed my lien release from them. I do not have my title either. This error is against the law per 15 USC 16814. This account needs to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Product: Debt collection

I received a call from Commonwealth Financial Systems on XX/XX/XXXX about an unpaid amount that was presumably pending with a healthcare provide in Ohio from XX/XX/XXXX. I explained to the caller that I had already paid everything from a brief visit in that location back in XX/XX/XXXX. My apt was very very near that location for three years and had never had any notice, call or request from that facility to pay any amount. I was also given a name of a person in that facility whom I have never met and specifically explained the same to the person from Commonwealth Systems. I explained that there must have been some kind of a mistake or mix up. Today XX/XX/XXXX, I received an alert on my credit report about a negative item. It is about the same amount and from XXXX XXXX. I had no prior knowledge on whether there was some inquiry, never received any proof of my owing that amount. I had a spotless credit report before that and have never owned any amount of money to anyone.
Product: Debt collection

I am submitting this complaint as there is no third party involved, I am making this complaint to SPRING OAKS CAPITAL LLC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX - LATE PAYMENT WITH DIFFERENT BUREAUS - HOW IS THAT POSSIBLE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Transunion is reporting false latenesses on my credit report. I asked why they were reporting lateness when I was never late, they said it would take up to 30 days to investigate. It has been beyond 30 Days, I ask that Transunion remove the latenesses.The accounts are below. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

Applied for personal loan with company stating to be Lending Tree. Ultimately approved loan for XXXX but wanted me to buy gift cards with money they were to deposit into my account for credit insurance. They have my drivers license and SS number. XXXX is the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report showed on my records that I have 30 days past due with Macy’s store in XX/XX/2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XX/XX/XXXX  . But it says on my records  30 day past due in XX/XX/XXXX. And it brang down my credit score
Product: Checking or savings account

There were several hundred unauthorized transactions that were made on my checking account from the time I opened it up till the time it was closed from many different merchants I wasn't able to fully get my money back for all them because they closed my account before I can get king figured out basically there was so many transactions form alot of different merchants that it was so. Confusing for me to try and figure out what was going on so I had to sit and look at every transaction very carefully I only got reimbursed for some of the transactions but not all them I want to please have someone help me file a claim for all the unauthorized transactions made on my checking account ending in XXXX from my bank of America checking account please I don't know how I am supposed to go about fixing this it's a big mess but I know one thing is for sure alot of $ money was stolen from my account my checking account all from unauthorized transactions also the phone number I had on file with my bank of America account the phone number were I was supposed to be getting some sort of txt message or alert for every transaction turned out was compromised due to date Leaked by a few different people like my cell phone provider at the time and a few other places I had received the email were it said my phone number had been compromised wich would explain why I wasn't never getting any type of alerts sent to me I was completely unaware of this till it was too late and now I don't now what to do to even get back any of my stolen $ money if there's any thing you can do to help.me.out I'd very much appreciate it I'm new to all this but I really need help thank you my phone number is XXXX you can contact me on this # thank u very much God bye for now ill be waiting to hear back from you guys thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account
Product: Checking or savings account

Wells Fargo Bank is trying impermissibly to take some of my XXXX XXXX moneys on which my beloved and loving wife, best friend, and soulmate XXXX XXXX XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX VITALLY depend on to live! 

This is a bank with a most SORDID PAST! 

{>= $1,000,000} settlement with the United States Department of Justice or illegal sales practices! 

{>= $1,000,000} settlement with the Consumer Financial Protection Bureau for mortgage, automobile loan, and OVERDRAFT FEE violations A huge settlement with the Office of Foreign Assets and Control for " apparent violations of sanctions against XXXX, XXXX, and XXXX ''! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! And I am XXXX and so very deeply offended by Wells Fargo Bank because of THIS! 

Nearly {>= $1,000,000} paid out by this sordid bank to regulators and stakeholders in JUST XXXX ( XXXX ) YEARS! Astounding, appalling, abominable! 

AND {$260000.00} to XXXX XXXX XXXX whose requests it had rejected. Alone amongst XXXX banks in refusing to pay them! 

Now Wells Fargo Bank CEO and President and his sordid bank wants to take away and impermissibly and illegally and immorally and unethical so SOME OF MY XXXX XXXX MONEY when next the Social Security Administration deposits my money into my Wells Fargo Bank Account on or before Wednesday, XXXX XXXX All THIS to say that Wells Fargo Bank is SNOWBALLING IMPROPER AND ILLEGAL AND UNETHICAL AND IMMORAL OVERDRAFT FEES SO THAT ONE LEADS AND RUNS INTO THE OTHER IN AN UNENDING STREAM OF THEM SO THAT EVEN MY {$5.00} CHECK WAS THUS DISHONORED!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/2023. Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action. 

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

My information was exposed in the Equifax, XXXX, XXXX Data breach. I pulled my credit reports and noticed that I had a lot of unauthorized and inaccurate accounts that I did not consent to. I didn't consent to opening these accounts and I did not consent to the credit bureaus furnishing these unauthorized and inaccurate accounts. this is not fair to me because this is ruining my reputation with the banking system. I need these accounts removed immediately.
Product: Debt collection

In XX/XX/2018, I filed a complaint with this organization regarding Professional Credit Analysts of MN , Inc. My complaint ( XXXX ) centered around the fact that they placed a collection on my account, and never responded to my letters ( XX/XX/XXXX and XX/XX/2018 ) regarding my request to validate the debt. To date, they still haven't provided any information that validates this debt as mine, yet they continue to have this collection on my account. As of XX/XX/2018, I have confirmed via XXXX, that this company isn't even registered to do business in the State of Florida. They don't have an office nor a registered agent in the state. So they are not only filing erroneous collections, but they are also acting illegally by not being registered with the state of Florida as a debt collector.
Product: Student loan

Approxima tely 2-3 y ears ago, I was experiencing financial hardship. I defaulted on my private student loans with Navient. I stopped paying because I could not afford to. When I was ready to start paying again, I contacte d Navient in a n effort to set right my wrong. This was appr ox. 1 and ha lf to 2 years ago now. I asked what do I need to pay today to set my accounts current and get out of default? They quoted my a very large number, I remember it was greater than {$3000.00}, but I do not know for sure as it was so long ago. I did not have this amount of money. I explained my situation and asked for more options, however none were given. The one option they gave me was to start paying my loans through a company called  XXXX   XXXX .  XXXX   XXXX  is a debt collector Navient uses to collect debt. I then contacted  XXXX   XXXX  as was told to me to do by Navient. They placed me into a low monthly payment, low-interest repayment plan for struggling borrowers. So for about 2 years now, I have been paying  XXXX   XXXX  {$120.00} per month, which is automatically taken from my account each month through direct deposit. I was under the assumption that everything is fine and that my monthly payments took me out of default and that my payments were being applied to my principal balance. Today,  XXXX   XXXX ,  2017 , I was checking my credit report on  XXXX , as I am attempting to rebuild my life and credit. I notice that for almost two yea rs Navient ha s been reporting to the credit bureaus that I am not paying each month. Each month shows a red box marked " no pay ''. I was shocked by this, since I was under the assumption that I had been out of default with Navient for a long time. I called Navient on  XXXX / XXXX /   2017  and spoke to three different people all claiming that there is nothing to be done, and that if I wanted them to stop reporting me to the credit bureau that I need to pay the entire balance of {$21000.00}. I reminded them that I am trying to fix my credit and I am paying them each month through the only option they gave me, and they simply refused to detract the " no pays '' to the credit bureaus. I am at a loss and not sure where to go from here. I am not perfect and have made mistakes, but this practice does not sound lawful to me. Please let me know what I need to do to fight this. How can someone like me, a single mother, with no assets, and no help, ever get ahead when companies like this make it almost impossible? Thanks so much.
Product: Consumer Loan

I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. 
Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. 
I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. 
In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. 
A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX 
I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. 
However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. 
I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing with a deep sense of frustration and disappointment to file a formal complaint against Possible Finance. It has come to my attention that this company has inaccurately reported me as missing a payment, tarnishing my credit history, credit score, despite the fact that every single one of my payments was made diligently and on time. 

They reported to Credit Bureau 's on XX/XX/2023 that I missed my first payment on XX/XX/2023 for {$73.00} even though it was withdrawn from my bank account and the payment cleared without any trouble or multiple attempts. 

I emailed them regarding this and was told I would hear a response in 2-3 business days and was never reached out to again.
Product: Credit reporting, credit repair services, or other personal consumer reports

inacurate information, and accounts that are not verified
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report is an account by XXXX XXXX XXXX. I have paid the account and they specifically told me they will remove the account. They sent you a letter demanding that you should remove the account. I am asking why you still have the account listed when it should be removed immediately. The confirmation number XXXX for my payment. The account by XXXX XXXX should be immediately removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXXXXXX XXXXXXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Product: Debt collection

I got a call saying they were going to serve me with papers and its my final warning but I have no received any previous warnings. When I told them I would not confirm my social security number the man yelled forcefully, Have some respect. And that it, Isnt a scam.
Product: Bank account or service

Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX/ XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX XXXX XXXX , Experian ) never  validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.