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

Experience Credit reporting as continually did violation of my fair reporting Credit act by way of, 15 use 1681 ( A ) 1-4 ( b ) it insured me that late payments and transactions are not part of the credit reporting report. Under my credit reports : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Also my rights to a accurate account with only my name as seen on my ID and address envelope
Product: Debt or credit management

I was offered a service and I didnt approve that I wanted anything done because I had no credit issues at the time. Years later I check and Lexington law is now on my report saying I owe and they gave services to me and they did not and now my credit issues messed up because of this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX truck payment on XXXX XXXX I paid my XX/XX/2023 truck loan payment early on XX/XX/2023, I paid my XXXX payment early on my truck loan with XXXXXXXX XXXX. I paid my XXXX payment on XX/XX/XXXX. 
XXXX is showing my payments as on time and no payments missed or late ever. I have had this loan for 2 years and have never been late or missed a payment. My payments are due the XXXX of the month. 
So, I paid my all my payments on time. 
I noticed a decrease in my credit score. It went down about XXXX points, from about XXXX and disputed it with both TransUnion and XXXX. XXXX still shows me at a credit score over XXXX The dispute response states they " assume my balance increased due to a possible missed a payment. '' My balance shows as going up from my prior double payment in XXXX. The balance goes down but they add interest. It just never shows up to the credit reporting agencies because of interest on the loan is buried in the balance due. 
I dispute their determination and have been severely penalized by their faulty rating system. All I did was make a payment one day early and their system decided inaccurately that I missed a payment. Their logic is faulty. My payment history is excellent on all my loans and bills. 
It seems unfair and unethical to drop my score by a very large amount without just cause. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Increased XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX automotive account balance increased by {$160.00} " It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. ''
Product: Checking or savings account

On XX/XX/XXXX I received an email letting me know there was a document named " Notification of Overdrawn Account '' available to view on my account. This was for an account that was supposed to be closed in XXXX of XXXX. I logged into the account and noticed a direct deposit was made to the account on XX/XX/XXXX in the amount of {$61.00}. This deposit reopened the account, and I was being charged a {$9.00} per month service charge without my knowledge. I believe I should have been notified in some way about a deposit being made to an account that was supposed to be closed, instead of 7 months later after wiping out an account balance I wasn't aware of with service fees. I called customer service, and was told the account could only be zeroed out and closed again. I filed a Better Business Bureau complaint on XX/XX/XXXX about this. On XX/XX/XXXX I spoke on the phone to a representative named XXXX with the Office of the Chairman. He told me there was nothing that could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my CFPB Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. Again, I would like to submit my complaint to inform you that I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX  ( XXXX Creditor XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2300.00} ; XXXX XXXX, XXXX XX/XX/XXXX ;
Product: Debt collection

XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX IQ DATA INTERNATIONAL ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : IQ DATA INTERNATIONAL Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with IQ DATA INTERNATIONAL authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that IQ DATA INTERNATIONAL provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I have many accounts on my credit report from unknown companies. I need these removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Prestige Financial is reporting an Account on my Consumer Report without my Consent. XXXX XXXX XXXX and the Reporting company known as Prestige Financial is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Product: Money transfer, virtual currency, or money service

I was traveling in XXXX and my preferred method of payment for XXXX is PayPal and on my PayPal account I have my preferred method of payment selected as PayPal credit. What PayPal didnt notify me was that some international vendors do not accept PayPal credit and therefore instead of consulting me on my backup choice of payment, PayPal picked an account by default and withdrew money from an account that is rarely used and I do not typically keep money in. When they withdrew the fees they didnt withdraw for the amount owed on the XXXX but they only withdrew for Insufficient funds. Therefore, I was unable to remedy this situation before I was negative approx {$810.00} in fees including ( 17 ) insufficient fund fees on XX/XX/2023 of {$37.00} each, ( 4 ) insufficient fund fees on XXXX XXXX of {$37.00} and ( 1 ) insufficient fund fee on XX/XX/2023 of {$37.00}. I had transferred money for a few fees on XXXX XXXX because I was traveling with limited internet access and could not investigate why my account seemed so far in the negative for a small amount of XXXX transactions. When I got home from Traveling on XX/XX/XXXX, I was notified of my account being over {$600.00} in the negative from all the insufficient fund fees being take out. I only saw insufficient fund fees and did not see the transactions. Had PayPal posted the transactions I could have easily remedied the situation and paid the bill before the insufficient fund fees were even taken out. Up until XX/XX/XXXX I had no idea that PayPal credit hadnt worked. I called PayPal twice even speaking to a manager and they didnt seemed concerned with how PayPal randomly chose an account without consulting their costumer or with how they withdrew the money only as insufficient funds. They sent me a letter that I was responsible for forwarding to my bank that request the bank to waive the fees but they fees shouldnt have happened in the first place if they withdrew the original transactions.
Product: Consumer Loan

Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.
Product: Mortgage

My husband and I received a letter from our loan holder, Rocket Mortgage, on XX/XX/XXXX, in which they indicate our property is now located in a Special Flood Hazard Area. I called them to explain that our house is some 50 feet or more above the flood zone, to which they explained that they had nothing to do with this, and that we must work through FEMA to revise the assessment. 

On XX/XX/2021, I submitted the request for a revision to FEMA, at which time I learned that the process may take up to 60 days to complete. I therefore contacted Rocket Mortgage asking them to extend their 45 day window to 60 days, but they declined, citing XXXX XXXX XXXXXXXXXXXX XXXX XXXX. My reading of this rule is that the 45 day window is a minimum. The rule says, " at least '', which does not mean, " at most ''. 

I have contacted them again and asked them for this extension. Moreover, I believe they are perfectly capable of revising their own internal documents without the assistance of FEMA because my documentation ( including USGA topographical maps, certified surveyor 's maps, XXXX XXXX photos, and my own photos of the land ) shows clearly, without any question, that the house is not even close to a flood zone. 

I have the emails, maps, and photos if you need them. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX The delinquency was not my doing.
Product: Checking or savings account

XXXX # XXXX Please investigate BRANCH NAME : XXXX XXXX  XXXX XXXX : Full Service Office STATE & COUNTY : Texas - XXXX XXXX XXXX XXXX : XXXX ZIP XXXX PHONE NUMBER : XXXX OFFICE XXXX XXXX XXXX, XXXX, TX XXXX Wells Fargo embezzled or stole my money !!! 

They never sent me any new information about my new Wells Fargo account number. You stole my XXXX money from a old XXXX XXXX account that had since 1995 at the branch on XXXX XXXX XXXX, XXXX, TX XXXX. 

( XXXX ) I was working at the original XXXX XXXX XXXX when it was XXXX XXXX XXXX. I cashed and deposited my paycheck there. 

( XXXX ) I used to walk to XXXX XXXXXXXX XXXX to deposit my paycheck. 

( XXXX ) My old phone number was ( XXXX ) XXXX. 

( XXXX ) The last XXXX of my ss # is XXXX. 

( XXXX ) The last XXXX of TDL # is XXXX ( XXXX ) My address at the time I opened the account at that branch was : XXXX XXXX XXXX, XXXX, Texas, XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN claims to have investigated an account and verified its accuracy. This account XXXX XXXX XXXX is still inaccurate and needs to be removed immediately. The account reads an open date of XX/XX/2022 however there is no payment history during that time. This account does not meet metro 2 standards for accuracy and EXPERIAN said they investigated which is a lie.
Product: Mortgage

Since the 1980 's possibly sooner my father has fallen a victim of the deceptive practices by large banks and real estate investors, i.e. Wells Fargo XXXX, XXXX and more no relief ever and most recently all his claims been erased from the system including email access. XXXX and Wells Fargo, also more. Remodifying his loans and refinancing illegally making him beleive he is in debt also foreclosure most recently as well as selling contracts out from under him illegally claiming interest or equity. Forcing sell or foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 reported to be removed. 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 XXXX XXXX XXXX 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! Delete the late payments from my consumer reports
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to get this amount on my credit report verified in an attempt to fix these issues directly with them. They are violating my rights and I would like this account removed from my credit report immediately or I will be seeking {$1000.00} for every violation.
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. TransUnion has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion 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 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 Transunion more than XXXX  times in the last 120 days. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Student loan

This is a follow up complaint. The answer to the first complaint is not factual or truthful. 
there is taped phone conversations that were directly denied by your phone representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to experian to explain to them that all the accounts - hard inquires and collections were not mine. I kindly showed them that it had my brothers name on my credit report and also showed them a comparison between experian credit report and my XXXX and XXXX so they better understand. I did not get a response from them and I jut don't understand and I clearly show them None of the accounts or hard inquires are mine on Experian. They are my brothers. 

There are also 3 accounts in collections that are not mine either. I know this by how it shows on on my other two credit reports- XXXX and XXXX . 

I'm not sure how this happened. This is highly effecting me and my families ablity to live a quality life for something that has been out of our control and we are doing our best to settle the matter. Please help. XXXX is the correct information.
Product: Mortgage

I made early payments with extra principal and they did not post immediately. I have no idea how many times the mortgage department did this. When you go in person you expect it to be posted that day not several days later.
Product: Debt collection

Syncb is suing me in court for an disputed debt that has not been validated as to be mine. The debt has been disputed and legal action was their first form of communication regards to this allege debt.. My personal information was sold and brought in efforts to collect a debt for profit and gain. I have never a signed an agreement or contract with Synccb. 

Pursuant to ( 15 USC 1692 ( k ) ) states any debt collector who brings on any legal activity must have a signed contract or agreement in which you are suing the consumer for. You are not authorized to bring forth any legal actions against me regarding an allege debt. Any debt collector who fails to comply with any provision of this subchapter in 15 UCS 1692 with respect to any person is liable to such person in an amount equal to the sum of nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

USC 15 1692 ( e ) States a debt collector may not use any false, deceptive, or misleading representation or any means in connection with the collection of any debt. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
The false representation ofthe character, amount, or legal status of any debt ; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

Their attorney communicated with me in court and stated that I had to pay their allege debt or go back to court. My rights to privacy has been violated for this debt and has become a public matter. This company willfully took action to enforce liability on me. 

This has affected my credit worthiness, ratings and reputation and has caused physical, emotional damage.