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

This company is reporting 4 times on my credit report. 3 of those time are listed with the exact same account number, but reporting completely different balances, Account status are not matching under each reporting credit bureau ( some account statuses are even listed as OPEN when its a collection account ) an account can not be open in collections. This is against the FCRA. I have asked for validation several times with no response and without providing their method of verification. 

The other account with a different account number is only reporting different account status. This is against the FCRA. 

I have been patient with this company. At this point I am asking for your company with assisting me with this issue.
Product: Mortgage

Loancare which is a service provider for XXXX disconnected my auto payment without any notice. I had to call and talk to customer care for hours, which was very difficult to contact. They never gave me a clear answer on how they disconnected my auto pay which was set up by XXXX. After contacting them they promised to reconnect my autopayment but unfortunately that never happened. 

They messed up my credit and finally I paid off my loan as I did not trust them any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX
Product: Checking or savings account

I paid the XXXX  XXXX  in person with cash {$320.00}. This company was not supposed to charge me till XXXX and was only supposed to be {$320.00} in pics instead charged me multiple times on XX/XX/XXXX even though the instructor told them I had paid him in person with cash. They Refuse to fix the non-efficient funds they caused, which was a total of XXXX. XXXX was contacted multiple times and will not fix it.
Product: Debt collection

LVNV Funding and Resurgent have been trying to claim I owe them money for a collection account that I don't know where it came from. After an entire year of sending certified letters monthly asking to send validation of said account they only come back with a letterhead from there company, each and every time. I can not trace this debt on any of my credit reports. LVNV has failed to provide any sort of validation linking this said account they are trying to collect on to my ssn. I have also submitted a complaint with the SC XXXX. I've sent numerous certified letters to this company every month for an entire year. I am asking for this account to be deleted once and for all from my credit reports as they have failed to provide any accurate information linking said account to my ssn let alone an agreement bearing my signature.
Product: Credit card or prepaid card

I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity on my credit report that I did not initiate. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following accounts and inquiries.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown hard inquiry on my TransUnion credit report from XXXX XXXX XXXX. Be advised that I have already received a response from the company. They state that can not find any completed inquiries on XX/XX/2020. But still I do have this inquiry on my TransUnion credit report. See attached files with screenshot and company 's response.
Product: Checking or savings account

the problem was Identity theft and funds where transferred from my checking account to a XXXX credit card that is not mine I then filed a fraud report with wells fargo and filed a police Financial Crime Report and Filed with the FEDERAL TRADE COMMISSION a Identity Theft Report and filed a EXTENDED ALERT REQUEST with XXXX and sent a copy of my bank statement and a copy of all the forms i filed to wells Fargo so they would reimburse my XXXX that was fraudulently taken from my checking account this happened on XX/XX/2020I sent all forms to wells fargo on XX/XX/2020as of this day XX/XX/2020 I have not received a reply or any kind of notice from the bank the only letter I received from wells fargo which is dated XX/XX/2020 is a letter claiming they are not going to reimburse my money to my checking account that i closed out I am sending off today XX/XX/2020 a follow up letter to wells fargo from the last letter i sent to wells fargo XX/XX/2020 and today a second fallow up letter it has been 104 days and no reply from the first letter and I also had been applying for a mortgage loan and when all this of COVID19 they put my loans with wells fargo on forbearance so the after i did not qualify for the mortgage loan because of that and so the charged me XXXX dollars for loan fees
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate removal of the XXXX XXXX XXXX XXXX XXXX ( ending in XXXX ) and XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ) from my Equifax credit report due to the Equifax data breach and its direct impact on my financial records. My personal information was compromised due to Equifaxs failure to properly safeguard consumer data, which violates multiple federal laws and raises significant concerns about the accuracy and security of any financial accounts linked to my identity.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Equifax is required to maintain maximum possible accuracy in consumer reports ( 1681e ( b ) ), yet the breach has compromised the integrity of my credit data. Additionally, under 1681c-2, I have the right to request the blocking or removal of inaccurate, fraudulent, or unverifiable information resulting from identity theft or data exposure. Given the nature of the Equifax breach, these accounts can not be fully verified as legitimate
and should not remain on my report.

Furthermore, the Federal Trade Commission Act ( FTCA ) 15 U.S.C. 45 prohibits unfair and deceptive business practices, and Equifaxs failure to secure my personal and financial information has subjected me to unwarranted financial risks and undue burden. The Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 also mandates that financial institutions protect consumer data. Equifaxs breach violated these protections, and as a result, any accounts reported in my name must be considered compromised and removed immediately. 

Because of these violations, I am demanding that Equifax : Immediately remove the XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX accounts from my credit report. Provide written confirmation of the deletions within 30 days in compliance with
the FCRA.

Ensure that any future fraudulent or compromised accounts resulting from the data breach are automatically removed without requiring repeated disputes. 
If Equifax fails to comply, I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action for willful violations of the FCRA, which allows for statutory damages up to {$1000.00} per violation plus legal fees. 

I expect prompt action on this matter and look forward to written confirmation that these accounts have been deleted.
Product: Money transfer, virtual currency, or money service

Yesfor the last two months when all of these third parties where trying to pay me thru company and banks..i wasnt able at first to access the different banks because it seems like my Info was already been put in..I just recently just finish filling my taxes, and which I had to verify myself three times..now my phone has been taken over..my cards have been deactivated and passwords..I have a stimulus check that been sent out this week and afraid I might not get that..I haven't  received no income since XXXX..I 'm looking for to this other money coming from filing With the S.E.C and which and funds from non-profit..I need y'all 's help.. because these people are Accessing the  cash at XXXX, XXXX XXXX, XXXX and at the cashier 's draw with a barcode.and also m using prepaid cards under my name.. Google pay, XXXX  , all the money apps.have or had as well as bank accounts has been made wihout my consent since this summer til yesterday..
Product: Student loan

The headaches with XXXX XXXXNavient escalated when the U.S. Department of Education ( DOE ) cancelled XXXX XXXX federal aid certification, after the US senate cut down spending on american students attending foreign medical schools. In the middle of my studies, XXXX XXXX informed me that I am not longer eligible for deferment as per information from DOE. The proposal was to change to another university approved by DOE, but getting transfer credits was impossible and I did n't want to keep on starting over with XXXX. I had the same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX increased the interest fees by putting my federal loans in-repayment/forbearance, while I was still attending XXXX. 
XXXX  did not report directly to the XXXX XXXX XXXX. Hence, XXXX 's reporting process is on paper. My other servicers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, etc. ) accepted enrollment certificates without asking me to sign extra forms to put my loan in deferment. On the other hand, XXXX XXXXNavient had been refusing to put my loan in deferment and informed me that enrollment certificates were not enough. XXXX XXXXNavient required me to sign an additional form each time I applied for deferment. 

Navient and XXXX XXXX want unpaid interest to be added to the principal balance, even if the original " Promissory Note '' indicates otherwise. 

On XX/XX/2017, I complained to Navient ( loans transferred from XXXX XXXX ). Instead of fixing the problems with XXXX XXXX, Navient responded by adding 15 fake " missed payments '' to my private loan account, increased monthly payment on my private laon, and sending harassing letters to my co-signer. I do n't want to pay/do not authorize my co-signer to pay the missed payments and informed my co-signer to ignore the wave of harassing letters from Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted the CMRE Collection agency and negotiated to pay off a total of 8 collection accounts. It was agreed that upon payment of the collection accounts, CMRE would cease all collection actions and activity and grant a deletion of all accounts on all the credit reporting bureaus. 

In XX/XX/XXXX, upon learning that the collection accounts were not deleted as agreed, and that CMRE listed the collections as " paid '' collection account but did not delete the accounts from the credit reporting agencies as agreed, I contacted CMRE and explained the above information. I was then informed that there was nothing that CMRE would do to assist me. I requested to speak to a supervisor and was not provided with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I asked that late be removed from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquires I didn't authorize or recognize
Product: Credit card or prepaid card

XXXX   XXXX  applied for capital one credit line so much fraud going on and my husband hasnt heard from them worried they got his info and scammed him can you help plz
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On dates XXXX, XXXX, XXXX and XXXX, my credit was ran without my authorization. There were no actions taken against the company.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer reports, and I notice XXXX XXXX, Transunion furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumer 's transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer 's credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report 1. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXX  ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX XXXX XXXX My account with XXXX XXXX was never late! This was clearly a billing error. This act is shameful, it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX XXXX XXXX XXXX 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. 
Delete the following late payments from my consumer reports ; List accounts here with late payments. 

XXXX XXXX XXXX XXXX XXXX