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

I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on XXXX. 

2 XXXX XXXX  accounts XXXX and Transunion refuse to investigate. XXXX keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. 

XXXX keeps illegally re-aging a XXXX account? it's closed and they are reporting the date last active as current. that is not possible. it's illegally re-aged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I called and wrote re : disputed unauthorized charges/purchases and products not delivered to me on a PayPal Account w/Synchrony Bank XXXX The disputed charges were all found in my favor and account closed. In XX/XX/XXXX, I received another bill for the same charges. When I contacted PayPal, was told a new account was opened and the disputed charges were put back on the new account, which was not authorized by me. Again there was an investigation and that account was closed. I was told my credit score would be rectified. Again in XX/XX/XXXX, I received another bill from PayPal. The charges were again on another PayPal Account, which I did not open. I wrote and provided evidence for an investigation. I was not notified of the outcome. Instead in XX/XX/XXXX, I received another bill on a new unauthorized PayPal Account for the previously disputed charges from XXXX, with fees and interest. Within two days of receiving that statement there was a late payment credit report made by PayPal. I am beyond frustrated with this company!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  According to 15 USC 1692c ( c ) refers to a specific section of the Fair Debt Collection Practices Act ( FDCPA ), a federal law that regulates the actions of debt collectors. This section outlines limitations on communication with third parties regarding a consumer 's debt.

Specifically, 15 USC 1692c ( c ) states that a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, the consumer 's attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

In summary, this provision restricts debt collectors from discussing a consumer 's debt with third parties except under specific circumstances outlined in the law. This restriction is designed to protect consumer privacy and prevent harassment or embarrassment caused by inappropriate debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is a disaster ; aside from making me jump through every hoop possible to dispute inaccurate information, they do nothing with documentation I submitted which came directly from the creditor for updates. Secondly, they have the same tradeline reporting multiple times reporting different outcomes, I keep sending them my FTC Fraud affidavit, and they do nothing. The straw that broke the camel 's back was them sending me a credit report update document telling me that the 20 plus fraud requests for my credit have been removed, which of course, they have not. I am not sure how that is even legal. Equifax tells me, oops, and we made a mistake. Lastly, they arbitrarily decide when they are going to allow a dispute and when not. There is no rhythm or reason to how this company operates ; however, they are having detrimental consequences on my credit score and reputation and making life as unpleasant as possible. I have paid to monitor with this company, and still, I get no help. Please, for the love of XXXX do something because, at this rate, my only recourse is to file a lawsuit against them for damages and demand that they correct my credit file.
Product: Credit reporting or other personal consumer reports

The action take. Was letters sent out but no response.
Product: Mortgage

My mortgage account is in forbearance under the CARES Act effective XX/XX/2020 to XX/XX/2020 or for three ( 3 ) months. Hence, I did send a payment on XX/XX/2020. 

However, about the middle of XXXX I requested for a pay-off quote which I received, in writing, on XX/XX/XXXX with a good through date of XX/XX/2020. 

On XX/XX/2020, at a banking institution ( branch ) in XXXX, IL, with the assistance of a teller and their manager, the amount of {$140000.00} was transferred.moved from my personal checking account ending in XXXX to my mortgage account ending in XXXX. 

The amount transferred was the exact same amount as the one in the pay-off quote. 

Monday to Thursday, XX/XX/XXXX to XX/XX/XXXX I kept calling BofA customer Service. I was transferred multiple times from Customer Service to Mortgage to Collections and back. And the wait times were horrible to the point that it would sometimes reach an hour. For a conglomerate such a BofA I find this as unacceptable. You do not value your customers ' time. Furthermore, whenever I do talk to a live person nobody could assist me as to what is going on. 

My mortgage accounts is till showing a balance and everything is on hold. Release of lien,  forwarding to the recorder 's office, title, etc. It is as if the whole process stopped and nobody in BofA could or would resolve the situation. 

My contact phone # is XXXX.
Product: Checking or savings account

I lost my card and someone took my money out on atm on two different date with total {$400.00} I filed two fraudulent claim on XX/XX/XXXX for two atm withdrawal transactions. XXXXTransaction, ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ATM ID XXXX CARD 4548Amount, {$180.00} XXXX, ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM ID XXXX CARD XXXXAmount , {$220.00} and after Wells Fargo investigated they closed and denied my claim and I called in and asked them to check atm camera video then they will know it's not me processing that transaction but they refused to do so and give me my {$400.00} back
Product: Debt collection

Southwest Recovery Services based out of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX put a collection note on my credit file with XXXX credit bureaus. I tried contacting this company through phone and email and did not get any response. Eventually, I spoke to a representative more than XXXX business days ago and asked for debt validation, also, informed them that i am victim of identity theft and asked them to send me the details in a personal email so that I can forward them Identity Theft reports lodged with FTC and local police. I have not received a response and even though I leave voice mails, I do not recieve call backs.
Product: Credit reporting or other personal consumer reports

Did not authorise this inquiry nor did I give my consent, fraudulent activity and needs to be removed from TransUnion Report. 

XXXX XX/XX/2023 Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit card

Discover Card says that if I make XXXX ontime payments on my secured card, that my account will automatically be reviewed for a possible Account Graduation to Unsecured status and my refund will be returned. I made XXXX consecutive ontime payments from XX/XX/year> - XX/XX/year>. I then reached out after the XXXX payment. I was not given the Graduation. They told me after XXXX more ontime payments I would get the Graduation. I made XXXX more ontime payments from XXXX XX/XX/year>, and reached out again. The customer service representatives don't know when I will have the automatic review for possible graduation to unsecured status. They don't have answers for me.
Product: Credit reporting or other personal consumer reports

XXXX a consumer who has been directly impacted by actions identified in CFPB consent order of XXXX  against XXXX XXXX. 

Ive long disputed this debt and as its clear that XXXX violated the XXXX and XXXX, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. XXXX has continued to report the same debt as XXXX different derogatory trade lines with equifax. 

I received no compensation after the finalization of CFpB consent order.
Product: Credit card or prepaid card

Here is a list of credit card charges that I did not make with this bank. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} XXXX XXXX XXXX for {$19.00} XXXX. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 
XXXX. XXXX XXXX XXXX {$71.00} on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 
XXXX. On XX/XX/XXXX {$1.00} XXXX XXXX cc XXXX XXXX. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX XXXX. XX/XX/XXXX pymets XXXX {$30.00} Sales and service XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} XXXX. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 
XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} XXXX. And this last one is a transfer of {$2.00}, XXXX what is this about?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I've tried everything. I borrowed $ XXXX in student loans between XXXX. My loan was sold and they tripled what I owed. I've been told by so many that it isn't their problem. Wrong! It is. Because government has not regulated those that buy these loans, you let them charge astronomical interest rates, they can change your loan amount. I now owe over $ XXXX, granted some is in interest but when payments exceed what you can afford and no one wanted to lift a finger to fix all this- you can collect it from no one when I die. Because I'm it. There will be no one.. So why don't we try actually fixing the problem with mine and others- because you can't tell me you didn't know there was a problem. XXXX, just got sold again to Mohela. Think they'll fix any issues? XXXX no- not their problem. Not the state 's problem where you got the loan, not the federal government 's banking problem, not the Department of Education 's problem. So honestly, who's frickin ' problem is it? When you show seriousness I will provide you with my student loan paperwork. Not going to waste my time if you're just going to waste mine. 

My loans were not up for sale to the highest bidder yet State and Federal Government allowed my student loans to be sold to the highest bidder. I trust the government like a hole in the head, because you have all just passed the buck. Fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

Equifax- Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and XXXX  reports my scores are in the XXXX range. Equifax continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account. 

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : Experian, XXXX, and XXXX are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against Experian, XXXX, and XXXX for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

I wrote a check from my Wells Fargo checking account to pay on my Wells Fargo credit card account on XXXX. The check was pay to the order of Wells Fargo for {$2000.00} and sent to Wells Fargo credit card service. The checked was cashed but not credited to my credit card account. The check posted on XXXX, that's when I reported Fraud to Wells Fargo on XXXX. I completed an Affidavit of check fraud as requested by Wells Fargo. An Investigation was started by Wells Fargo check Fraud Division and they found out that and account holder with XXXX XXXX  altered the check and put XXXX as the pay to the order. XXXX knows who the account holder info and at the request of Wells Fargo and XXXX will not respond after repeated requests since XXXX. There is a XXXX account number on the check so XXXX knows who has perpetrated the fraud. I keep calling the Fraud division for Wells Fargo for 5 months and no action or resolve as of this complaint. Wells Fargo has mishandles these fund and are responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I have sent two certified letters to the bureau requesting that undeliverable addresses be removed from my report, to no avail. In response, I received two emails stating that the letters appeared to have not been authorized by me and that as a result, no action would be taken. The letters included copies of my driver 's license, social security card, and proof of address. In addition, my name is incorrect, which should have been corrected having my supporting documents.
Product: Credit card

I am writing to formally address an issue regarding a recent late fee charged to my account with Comenity Bank. I made my payment on the due date, but because the payment was processed after Comenity Banks cutoff time, I was still assessed a late fee. I find this practice to be unfair and misleading, as I made my payment on the specified due date in good faith.

Comenity Banks policy of charging late fees based on a cutoff time on the due date, rather than the end of the calendar day, does not align with a reasonable understanding of on-time payment. I believe this practice can lead to unintentional late payments, even when customers make an effort to meet the stated due date. It also does not reflect clearly in consumer-friendly terms on my billing statement, making it easy to overlook. 
I have over 5 accounts with them and Ive paid over {$1000.00} in late fees for making a payment minutes after the cut off time.
Product: Credit reporting or other personal consumer reports

XXXX IS IN DIRECT VIOLATION OF THE FCRA, they continue to report the following unverified account : XXXX XXXX  Account Number : XXXX I have requested the deletion of this account numerous times and it still remains on my credit report to this day and is in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Debt collection

Toyota Financial has threatened me with collections despite my disputing their billing at the end of a lease. The car was turned in, the account was closed, and I was told I had fulfilled all contractual obligations. Then they sent me US Mail with additional bills and began calling my cell phone. I am XXXX and do not use voice telephones. A caretaker answered several times to tell them to send me email or a fax and they refused. She told them to stop calling and they refused. She asked for accessible contact information for them, and they refused. She requested they send their recording of the phone call to their general counsel for redress, and they refused. Additionally, I contacted them on XXXX chat and on XXXX and they refused to provide any documentation for their billing whatsoever, and also refused to give me accessible contact information. I was able to log into my old account and send an email once again disputing the amount and once again asking for accessible contact information. I received no response, and my ability to email them or read email on the portal was disabled. 

Toyota Financial is in violation of Title II of the ADA, the FCRP, Section 508 of the Rehabilitation Act,  and my civil rights. They refuse to provide any access to legally required dispute processes, or even contact information. I can interact with them via fax, email, online chat, secure email via login portal, etc., but still they refuse to provide any contact information whatsoever. Their threat to turn me over to collections and cause me financial damages with no ability for me to even use my legally mandated remedies is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

this account not is mine, im diputed this account for 3yrs
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX.