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

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Equifax, XXXX the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with XXXX 's, Equifax and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

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

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Debt collection

It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.
Product: Credit card or prepaid card

XXXX 's closed the account in XXXX, without notifying me. I had requested a new card, but they never sent it and subsequently closed the account for inactivity. I called for over an hour trying to get them to fix the issue, but the adamantly refused to reopen the account, insisting that I would have to reapply. This gives me a credit ding for the closing, and one more for reapplying. Plus, I lose 7 years of credit history. This is a despicable business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

the company reported information that was not accurate or mine and after several time of disputing this information still on credit report also some of these disputes were in review for over 90 months
Product: Credit reporting

Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT Resurgent Acct # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against JPMCB Card Services ( hereinafter referred to as " the creditor '' ) for violations of the Fair Credit Reporting Act ( FCRA ) and improper credit reporting practices. 

Upon reviewing my credit report, I have identified multiple instances of inaccurate and potentially unlawful reporting by this creditor regarding a charged-off account ( Account Number : XXXX ). The details of the violations are as follows : 1. Repeated Charge-Off Reporting ( FCRA Violation 1681s-2 ( a ) ( 1 ) ( A ) ) The creditor has been reporting a new charge-off every single month, as evidenced in my XXXX payment history on my credit report. 
A charge-off is a single event, not a recurring one. Repeatedly reporting it re-ages the debt, misleading lenders and unfairly lowering my credit score.

This practice falsely extends the delinquency period and violates the accuracy and fairness provisions under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

2. Inaccurate Balance & Past Due Reporting ( FCRA Violation 1681s-2 ( a ) ( 1 ) ( B ) ) The creditor reported a charge-off amount of {$1100.00} while simultaneously reporting a past due amount of {$1000.00}.

A charged-off account should not continue to accrue past-due balances unless it is actively being billed, which is not the case here. 
This reporting contradicts itself and misleads credit reporting agencies, violating the FCRAs requirement for accurate reporting. 
3. Failure to Properly Update Account Status ( FCRA Violation 1681s-2 ( a ) ( 2 ) ) If an account is charged-off, the balance should be " XXXX past due '' unless the creditor is still billing me, which they are not. 
The status update in XX/XX/XXXX should have reflected the charge-off as a one-time event, yet it continues to be reported monthly in XXXX and now into XXXX. 
4. Possible Re-Aging of the Debt ( FCRA Violation 1681c ( a ) ( 4 ) ) The original delinquency date appears to have been altered or not clearly stated. Under 15 U.S.C. 1681c ( a ) ( 4 ), a negative item should only remain on a credit report for XXXX years from the original delinquency date. 
By repeatedly reporting charge-offs, it appears that the creditor is re-aging the account, which is illegal under the FCRA. 

I respectfully request that the CFPB investigate this matter and ensure that JPMCB Card Services corrects these violations. Specifically, I request : Immediate removal of this account from my credit reports from all 3 bureaus due to repeated and inaccurate reporting.

Assurance that JPMCB will comply with FCRA regulations in future reporting practices. 
If this matter is not resolved promptly, I will be left with no choice but to escalate this complaint by filing a formal dispute with my states Attorney General.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business day
s XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone pretended to be XXXX XXXX and say I have a charge to my account that needed to be paid. The person suggested that the transaction could be made through Zelle. Then I found out the that is was fraudulent. Contacted my bankXXXX XXXX XXXX XXXX and they told me that the person was found but the money could not be returned. So I lost XXXX  of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and ally financial is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item to be removed ; being   XXXX   removed item from my report as a result of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
Product: Debt collection

have been trying to get a home and was denied a loan because of a serious delinquency I have never been late on a payment and always payed everything on time after checking my credit report I was shocked to see a balance to PRA for {$980.00}! After further investigation this was connected to a XXXX credit card I got and was stolen and charged without my knowledge. I disputed these charges with XXXXXXXX XXXX and they assured me it was taken care of this was obviously not the case so I disputed these with the XXXX XXXX and XXXX deleted it but XXXX and XXXX came back as verified I am asking to please delete these from my credit report as I am paying the price for someone else 's mistake so if you could please delete these I would really appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to seek the deletion of the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

My previous complaint about unfair practices by PayPal was not resolved and was closed under unknown to me circumstances. I have to file a new complaint, because outrageous violations were performed by PayPal and have to be put on record for further actions. My actions with my money on my account were wiped off. This is unacceptable and requires the appropriate investigation. 
I appreciate the alert that PayPal submitted their response to my previous complaint that was filed on XX/XX/XXXX and my rebuttal is awaited. But why did the CFPB put on my page account that the complaint closed??? It is confusing and not understandable why my complaint got closed before that complaint is resolved. How come the complaint has that notice that it is closed? 
The PayPal response on that complaint was a fraud. I have to request all financial transactions that were done in real after XX/XX/XXXX until the current date that will determine that PayPal covered up its unfair practices and perjured along with covering up the secret conspiracy between PayPal and XXXX XXXX XXXX. PayPal deleted all transactions from my account between XXXX XXXX and PayPal and deleted the record of the linked XXXX account that was listed on my PayPal page account on and after XX/XX/XXXX. Two transactions of {$5000.00} were scheduled from PayPal to XXXX in XXXX and in XX/XX/XXXX and money showed up on my XXXX account and after that disappeared. I believe it is more than illegal to wipe any transaction that was scheduled and initiated and PayPal did it. Fortunately, the attachment of PayPal 's email was saved by me confirming that XXXX was linked on XX/XX/XXXX. I am asking CFPB for help to send my demand for all financial transactions on my PayPal account from XX/XX/XXXX until the current date. How is that possible to wipe off any financial transactions from the account? Does it mean that PayPal is an extremely dangerous financial institution? 
About two fees each of {$29.00} that were charged on two transfers of {$1000.00} that was done through family and friends option at no fees as usually, based on the history for two years, is out of questions that PayPal took an advantage and has to return the second fees of {$29.00} too.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my XXXX XXXX XXXX  I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called XXXX numerous times to request a statement that reflects my name, account number, and current balance. They either refuse to send this to me or state they have, though nothing has been received. I asked them to at least update the credit bureaus with the current balance since its been over 30 days but they insist they have already. Ive called TransUnion and confirmed no update received for over 30 days. XXXX continues to lie to me and refuses to provide documents to me or updates to credit bureaus.
Product: Student loan

I have been paying the loans for years and the balance is bigger than it was when I first took out the loan. 20 years of payments should have made progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have made attempts on several occasions to apprise all 3 credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX  XXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to furnish an alleged debt that does not belong to me. I have attached copies of a cease and desist letter, a right to rescind letter, and an expression to opt-out of the sharing of my nonpublic personal information with third parties. I never received an opt-out disclosure in regards to the alleged debt.
Product: Checking or savings account

This has been since XXXX to current this still happens. My account was recently in the negative XX/XX/XXXX and I didnt understand why
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I received an alert advising me I had a new credit inquire on XX/XX/XXXX from Citibank na, source XXXX. XXXX XX/XX/XXXX I called XXXX XXXX reported agency and explained that I had no knowledge and I did not apply for anything and was told by the rep that they nothing XXXX can do, that I had to contact the source, I called the number associated with the inquire listed on XXXX report XX/XX/XXXX and was transfer giving different numbers to called, I finally spoke to someone on the same day and was giving a little information after the rep put me on hold and spoke to new application, I was told that they were no new accounts and no new applications from me with my social security number, so there is no record of this inquiry on XX/XX/XXXX but it was reported to XXXX XXXX XXXX on XX/XX/XXXX. after speaking with muplie people the issues is not resolve and I am still left not know where and who and how it was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this information over and over again with XXXX. This account was paid in full and it is past the statue of limitations for reporting on my credit report.
Product: Credit card or prepaid card

Today, I applied for a Discover card which offered a rate between XXXX and XXXX depending on credit history. 

I was approved for the card, but the APR came in at XXXX!!! 

I have XXXX plus scores on all my bureaus, low DTI, 30 % credit usage or better, Credit history over 15 years. 

I questioned the Discover agent and she stated that rate came back according to all their credit factors!!
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$3300.00} DEPTEDXXXX   XXXX {$1000.00} XXXX XXXX $ XXXX DEPTEDXXXX  XXXX {$420.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX XXXX {$230.00} XXXX XXXX {$980.00} XXXX   XXXX {$59.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

`XX/XX/2019 inquiry on credit report, Transunion only, from XXXX/XXXX XXXX XXXX XXXX/XXXX. Notified by XXXX XXXX, when I tried the phone number it was a medical scam company I am concerned about identity theft. Creditor Contact Details are : XXXX/XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX