23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from misleading debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The High Credit amounts differ across bureaus : {$480.00} ( XXXX ), {$340.00} ( XXXX ), and {$0.00} ( Experian ). Additionally, the Account Open Date is inconsistent. These discrepancies violate 15 U.S.C. 1681e ( b ). 
XXXX. Discrepancy in Last Reported Dates : The Last Reported dates vary : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). These inconsistencies indicate a failure to maintain accurate and updated information. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/XXXX ( XXXX and Experian ). If no activity has occurred since then, this account may be nearing or exceeding the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
4. Unauthorized Transfer or Sale of Debt : I did not agree to any payment or authorize the transfer or sale of this account to another party. Reporting this account as Purchased by another lender without consent violates 15 U.S.C. 1692e of the FDCPA.

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.
Product: Student loan

Loan was with NAVIENT and deferred status.I was also hit by an intoxicated driver during XXXX and asked for forgiveness.I also haven't been able to return to work because of this incident. I started an account with XXXX which shows x-amount and late payments but when I called they couldn't find account with my ss number. I also have not received mail from XXXX. I'm over XXXX as well. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

CEIVED 10 LETTERS FOR VARIOUS CREDIT CARDS FROM SYNCHRONY BANK STATING THAT MY ACCOUNTS ARE CLOSED BEING THAT I AM AT RISK TO FAILURE TO MAKE MY PAYMENTS WHEN I HAVE ALL OF MY PAYMENTS ON TIME AND OR PAID PRIOR TO THE DUE DATE AND AT TIMES HAVE PAID MORE THAN WHAT WAS REQUIRED
Product: Credit card

Comenity Bank took over a Dell store payment system, but cancelled my scheduled autopay on the account, charging fees, reporting negative credit reports, and harassing me. They do not allow you to set up an auto payment over the phone, so they just continue charging fees on the account. They are crooks. They need to make it easy to start an online account or allow auto payments over the phone!
Product: Credit reporting

XXXX is not reporting the right information to the XXXX credit bureaus for my account. 
1 ) I had a charge off years ago, XXXX 2011. 
2 ) XXXX and I came up with a payment arrangemet at {$50.00} per month. 
3 ) I have made consistently paid monthly payments for over 4 years. 
4 ) I have requested a number of times for this to be taken off my report. 
5 ) What 's not being reported is the timely monthly payment agreement I made with XXXX during the past 4 years, this is not FCRA-Fair Credit Reporting ... this is false and not 100 % true reporting. Can some one at the CFPB please help me resolve this matter? 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ct. XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 30 days ; therefore, those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress and mental anguish caused. Also, my information was impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Product: Checking or savings account

After two years Bank of America still havent returned the funds that was mistakenly deposited into my account and was supposed to go into my business account, today XXXX XXXX I just found out today that Bank of America is still holding {$25000.00} of the SBAs money and will not return it! After I was informed by them back on XXXX XXXX that they were waiting on SBA to inform them what they wanted them to do with the funds! But the SBA informed me they never received any information from Bank America on this matter of them holding the funds XX/XX/2023! All I wanted them to do was give the {$25000.00} back that is it! What is so hard about this it was a small mistake of wrongful account numbers which both account numbers are mind but they closed my checking account with bank America because they thought I was trying to commit fraud! Which wasnt the case I am not a criminal I worked hard for everything I have and own! This mistake has went on too long! I thought this was over two years ago but Bank of America refused to return funds that do not belong to them please return the {$25000.00} back to the SBA! That is all I want I encourage you to stop this madness! I reported this matter before and nothing was done! I want this matter resolved immediately
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed for XXXX dollars and the back does not want to get me my money back.
Product: Credit card or prepaid card

Citi appears to constantly have issues with their site - while this problem is unique to this card. It seems like there is always an issue that mays my payment late. Please see the link below, I have paid on this credit card this way for over 10 years, the last few months the payment portal has been broken and I am paperless. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management is threatening to garnish all of my accounts if I don't pay an amount of XXXX to them. I never took out a loan with them. I also never borrowed that amount from any credit line. They have been calling for more than a month XXXX a day. Asked me for my debit card and bank information for payments. Due to fear and not knowing my rights I gave them my credit card information. I haven't worked in over 2 years due to a XXXX XXXX while carrying XXXX XXXX. I've told them that I am still not working and not receiving any income to even pay that ridiculous amount. Today I was told that my card will be chard XX/XX/24 to start collecting payments.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

On XX/XX/2016 I submitted Identity theft papers to transunion consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XX/XX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in XX/XX/XXXX. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681.

1 ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime which antedates the report by more than XXXX years. 
15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable causes to believe that the information is accurate.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PROFESSIONAL FINANCE CO. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and PROFESSIONAL FINANCE CO has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

I am being ignored. I have notified this company about these inaccurate items on my credit report over the last several months and still there are being reported. These items are now in pending litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sold a home that was for sale through a divorce. It was on the market for about 3 years. I have been waiting and waiting so I could buy a home for my grandson and I. 

Just Monday, my account showed closed and paid on my Transunion credit report. I belong to XXXX XXXX, so I monitor my credit sometimes daily. I also noticed on Monday, my score dropped 45 points!!! On my Transunion report, the reason it showed was my Mortgage account was paid off. That seemed incorrect obviously, so I called on Tuesday to speak with them directly because I am trying to buy another home and this is going to impede me from being able to do so. 

When I spoke to them, they told me that with my mortgage, I had a " good mixture '' of accounts and now I only had credit cards and an auto loan. Also my mortgage account was 15 years old, so now that my mortgage had closed, my other accounts weren't as seasoned. 

I explained a FICO score dropping that significantly would be suggestive of a foreclosure ... ... my home was PAID OFF. I don't have collections, all of my accounts are in good standing ... ..I told him this was ridiculous and I wanted it taken care of. He told me the only thing they could do for me was to send me a free copy of my credit report. 

Last week I was offered a refinance for my car at 4.9 % and now that offer has changed to over 7 %. I explained to the guy that now Transunion is costing me money and in control of the interest rates I am charged all because I did something great and paid my house off!!! That doesn't make any sense. How many other people are they keeping from purchasing homes or vehicles? How many other people are being overcharged in interest because the credit bureaus are being able to determine their credit score unfairly?? 

This can't happen ... ... this inhibits our economy, our lives, and keeps us from being able to save money. This is unfair, deceptive, and fraudulent business practice.
Product: Debt collection

I have derogatory remarks on my credit report due to false information reported by collections which should be removed from my credit report pursuant to 15 U.S.C. 1681 ( b ) and Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an Ann Taylor account several years ago MYSELF and XXXX just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.
Product: Credit card

I am disputing the entire purchase amount of XXXX. 

XXXX. TD Bank has not followed proper dispute laws or rules. 
XXXX. TD Bank has not operated in good faith with its customer. Offering little to no explanation of what information they are getting from XXXX. Forcing XXXX to provide details accounts of what has transpired. 
XXXX. TD Bank has closed out our original dispute without just cause. Without ensuring that XXXX is actually following up with us the customer indicating we should not be reaching out to TD Bank about the issue. 
XXXX. Without reaching out to their consumer, for details on what is going on they took XXXX their partnered retailer for their word, even though we provided evidence to the contrary. 
XXXX. They did not place the amount being disputed on hold for the period of time while the dispute was being resolved. They did not confirm the dispute was resolved prior to closing the dispute.
Product: Consumer Loan

I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans.
Product: Checking or savings account

Over the last 5 years, I have been charged multiple overdraft fees because my account balance was lower than what I actually had.
Product: Credit reporting or other personal consumer reports

Because of this unexpected issue, I am asking for a detailed review of the documents I provided. This situation has been incredibly stressful, and I hope a careful check will mean I never have to worry about it happening again.