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

Ive contacted Transunion, XXXX and XXXX regarding inaccurate reporting of my student loans. It reports I have XXXX in student loans when I only have XXXX through XXXX. My account was transferred from XXXX once I refinanced. It then closed but some how the credit company reopened and started reporting. Ive disputed this multiple times even within my bankruptcy. They continue to report a balance from XXXX. I spoke with XXXX today XX/XX/year> and they confirmed I am inactive in their system, my debt was transferred when I refinanced and they are not reporting any information on me to any credit bureaus. 


Transunion and XXXX is also reporting late /missed payments on my credit report that was filed and disputed in bankruptcy which is effecting my credit rating.
Product: Debt collection

The I.C. System, INC {$820.00} I dont recognize this company. Also, I have for derogatory checks on my credit all on the same date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all come from one car dealership that said they would not run a credit check on me now is having 4 derogatory checks on my report and XXXX XXXX XXXXXXXX
Product: Mortgage

Specialized Loan Servicing sent foreclosure papers to us last summer because we are behind on our home equity loan. We tried unsuccessfully to mediate with them. They sent us paperwork on XX/XX/20 which showed that the Principal Balance was {$40000.00}. We asked for a payoff amount and they sent papers to us on XX/XX/20 stating that the payoff would be {$61000.00}! That is a difference of {$21000.00}! That is extortion!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I wired money to XXXX XXXX where I had lived and had a business before, and I still have a bank account with XXXX XXXX  in XXXX. The amount of money I asked to be wired was {$85000.00}. and the money which was wired to my bank was the amount of {$68000.00} EURO. At the time of the transfer I was very sick and just had a XXXX. So, I was not able to calculate the transaction amount and myself. I asked the banker who did the wire transfer for me " how much is the rate? " the lady sad " I do not know and it is my fist time doing this. '' When I came back home from XXXX and visiting my family and got better and i was thinking more clearly, I calculated the amount and shocked to see how the bank has cheated me and the rate that I was charged was not a correct one. So, I went to the bank and asked a banker to put a complaint and inquiry about the wire. She did filed a complain and in a few days I got a call from the bank saying the rate is correct and if, I need further clarification to see the paper work I have to bring a sphene from the court. 

I called and wanted to talk to the CEO or someone who could help me with this matter, no one was coperating with me and I was told repeatedly to bring a sphene. I wroter to the board of directors a couple a of times and they all were unresponsive and uncooperative, and was redirected me to the same secretary. 

Attached please find copies of my correspond with the board of directors and my letters. Thank you for your time and consideration. 

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

Your company sent me a letter stating that the information on my credit report is accurate. When the Fair Credit Reporting Act ( FCRA ) states that 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. 

Department stores XXXX XXXX  has failed to investigate this billing error in the amount of {$940.00} which inaccurate information has been furnish to my consumer report. Your company has furnished my nonpublic personal information to the credit reporting agencies which is experiences and transactions between me and your financial institution. I never gave you consent to furnish any information about me to a third party company, Also I never gave the CRAs consent as well to furnish any info. Which is identity theft. your company is committing racketeering activity, Which XXXX and the Credit reporting agencies are knowingly using extortion to collect on a unlawful debt. ( 18 U.S code 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXX XXXX XXXX XXXX is not mine and is fraud. I want this account deleted and removed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have a collection on my credit and the collection agency has never notify us about this account and they said they do n't have to notify and they are in guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided my DR card information for 1 time {$1.00} fee for credit report and without my consent and approval I was charged for 3 months including the same month I asked for credit report for membership which is {$23.00} for XXXX, XXXX and XX/XX/2020. I called and cancelled membership but they only reimbursed me with XXXX and was not able to get reimbursed for XXXX and XXXX. It was very hard to find a phone number to speak to a live customer service rep and get the cancellation.
Product: Credit card or prepaid card

XXXXXXXX XXXX fee practice I made 2 payments to pay off a balance. 

Original purchase date XX/XX/XXXX for {$41.00} XXXX statement rec 'd XX/XX/XXXX via email Minimum payment on statement : {$27.00} due XX/XX/XXXX. 

Made the minimum payment of {$27.00} online and scheduled it for XX/XX/XXXX due date. 

This appears on the statement : MinimumPaymentWarning : Ifyoumake onlytheminimumpayment each period, you will paymore in interestand it will take you longer to pay offyour balance.For example : If you make no additional charges using this card and each month you pay ... Onlytheminimumpayment You will pay off the balance shown on this statement in about ... 2 months. 
And you will end up paying an estimated total of ... 
Onlytheminimumpayment 2months {$42.00}. 

XXXX statement rec 'd XX/XX/XXXX. 
New Balance {$16.00} due XX/XX/XXXX ( {$14.00} + {$2.00} Fee added ) Made payment of {$16.00} online and scheduled it for XX/XX/XXXX due date. 

XXXX statement rec 'd XX/XX/XXXX Statement balance of {$2.00} Statement shows {$16.00} - {$16.00} + {$2.00} fee. 
{$2.00} payment due XXXX XXXX. 

This is my complaint. I paid the balance on the due date that included a {$2.00} fee and now they are charging another {$2.00}. I corresponded 2 x and received 2 replies. 
I don't accept the explanation as I don't think it's right to charge a fee after the balance has been paid off and on time. 

Here is the final reply : Dear, Thank you for taking the time to respond to our most recent reply. It's my pleasure to assist you. 
I understand your concern regarding the interest charge appearing on your account. 
I would like to inform you that an interest fee is charged on your account when you carry a balance for two or more months then pay off the account. If you have been paying less than the full balance of your account and you then decide to pay your balance in full, you will be charged interest on your average daily balance from the first day of the billing cycle through the date your payment in full is received. The interest charge will appear on your next billing statement. 
As always, you can avoid all interest fees by paying your balance in full every month. 

In the future, you can also process your payments using any of these options : Pay in any of our stores Pay by mail Pay by Phone If you have further questions or comments, please contact XXXX XXXX Credit Customer Service online at XXXXXXXX XXXX XXXX by selecting XXXX XXXX Credit Card , or by telephone Monday through Saturday XXXX-XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
XXXX XXXX Credit Customer Service XXXX Now you can pay your bill on-line at XXXX XXXX XXXX
Product: Debt collection

I was involved with a scam through XXXX XXXX, where a user stated he sent me {$500.00} to open my Venmo business account. I never saw it in my Venmo account, the scammer then stated that I needed to " refund '' him the {$500.00}. So I did, through the Venmo account that he provided me. However, I realized that this was a scam, so I called my bank 1 hour later to place a stop hold on any Venmo transaction. My bank stopped the transaction from going through, so I did not lose my {$500.00}. I then reported the scammer to Venmo, where they stated that they would not be able to control if my funds would have gone through to the scammer, and would give a " warning '' to the scammer account. When it was official that Venmo could not collect the {$500.00} from my account to the scammer, I received an email from Venmo stating that they sent {$500.00} of their " own '' money to the scammer to " cover me. '' They also sent emails stating that my Venmo account is frozen now, and that I owe them {$500.00} in order to open my account. I reported this to the police and sent emails back that I will not be paying Venmo {$500.00}, as I froze the transaction from going through, and did not want Venmo to credit the scammer {$500.00}. Venmo continues to send me emails attempting to extort money from me.
Product: Credit reporting or other personal consumer reports

The company has specifically recognized that they don't hold the account for which they are reporting. I have attached an email received from Prosper Market stating that. But Prosper Market is still reporting the account. Your service can also verify with the company Prosper cited as the owner of the account, XXXX XXXX XXXX XXXX, which I reached out to also. They also denied the existence of this account. 
Please verify with XXXX XXXX XXXX XXXX to ensure that this is an error and needs to be corrected on my credit report. 
Therefore, I want the account from Prosper Marketplace to be definitely removed from my credit report. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove all fraudulent accounts off my report, They are hurting my ability to obtain credit and were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX on XX/XX/2021. The letter was about late payments for a student loan thats under the Federal CARES Act. Also, I disputed some accounts that had no names or addresses for the businesses that allegedly reported the accounts. Equifax said it was verified but I can not understand how that was possibly if they can't provide information about who is reporting the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax place a hold on my account for Promotional reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am a XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX delinquencys on my affirm account dating back 7 years ago still on my credit report XXXX separate accounts with the same problem I had at the time missing payments due to auto pay error autopay did not pull the money from my account and went into delinquent status XXXX of these should have fallen off by now I have asked for forgiveness I have disputed and its gotten no where and I am trying to apply for a mortgage although my credit is good these delinquencys are still on my report and affirm does not want to help correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. 

XXXX and XXXX XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be on there. This has been going on for 10 years, I have asked before to take it off three times. Please take it off, which I was told it would be every time I report it.
Product: Debt collection

NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.
Product: Credit reporting 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of XXXX Identity Theft. Delete ASAP those accounts or I will file a litigation!.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and 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. 


XXXX 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 reporting or other personal consumer reports

SECOND COMPLAINT******I was the victim of identity theft by a former roommate, XXXX XXXX XXXX XXXX The account with XXXX  XXXX XXXX XXXX XXXX was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

XXXX  XXXX XXXX is now reporting that the account is " PAID IN FULL '' TThis is not accurate because I have NEVER paid anything to this tradeline, I HAVE NOT PAID THE ACCOUNT IN FULL. This inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA
Product: Vehicle loan or lease

Regional Acceptance Corp. ( RAC ) records show that my vehicle was repossessed and sold by RAC in  the state of North Carolina and resold on or about XX/XX/2017. The balance remained on my account after the sale of my vehicle. In connection with the repossession and sale of the vehicle by RAC I  was NOT sent ANY post repossession notices which are mandated by North Carolina Law, I was not sent : -Notice of Default and Right of Redemption/Right of Reinstatement -Notice of Sale -Post-Sale Notices Under the laws of the State of North Carolina UCC and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

RAC is continuing to report inaccurate information on all three credit bureaus. I disputed this information with the 3 bureaus ( XXXX, XXXX, XXXX ) but RAC tells them their reporting is accurate so not one bureau will remove this account - or even update the balance - or even mark the account closed. 

This is a violation of the FDCPA and FCRA.