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

Hi I am submitting this XXXXXXXX XXXX XXXX XXXXhis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

This is a follow up complaint to XXXX. In that complaint the assignment of contract and the full forward agreement was requested. They have not provided these documents. 

XXXX has already removed this account from my credit report during their investigation.
Product: Vehicle loan or lease

They sold me a lemon the car is junk it been broke sitting park and he dont wan na work with me he said to contact his lawyer the car has outrageous miles they have me paying XXXX an something an I put XXXX down on a car thats not worth nothing he knew he sold me a lemon an told me to file my lawsuit an they dont wan na give me my money back for a XXXX  XXXX XXXX XXXX XXXX XXXX is the name of the company in XXXXXXXX XXXX
Product: Vehicle loan or lease

There were 2 recalls on the XXXX XXXX XXXX XXXX vehicle, and we wanted to surrender without penalty. For 2 years, Ally has dragged this out placing us on multiple ludicrous call back responses and communications with Supervisors which never happened and being hung up on several times while trying to resolve this matter. Disruption in service predicated by an identity theft incident in which we were locked out of the system. We called clarifying a change of address and a need for an entry key. This was not resolved until about 3 months later. The agreement was we needed to prove we were locked out of the system and that all penalties and late fees would be waived completely, and this never occurred either.
Product: Money transfer, virtual currency, or money service

I used PayPal Goods & Services, which charges a 3 % protection fee, to purchase a ticket from a vendor. This vendor did not send me the product. When I reached out to PayPal, they closed the dispute and did not work with my bank to reimburse me. 

This was a {$1000.00} transfer made on XX/XX/2023. PayPal closed the case saying that the transaction was refunded, however, it was not. 

The 3 % protection fee used in PayPal Goods & Services was designed to protect buyers and sellers from fraud, and PayPal is not honoring the paid service fee.
Product: Debt collection

My XXXX answer a phone call and they asked for my name and he asked who was calling, they stated MCM and he asked what is was and they said midland he asked whole company name and they just said midland again he asked if there was some kind of debt and the person on the phone responded with YES
Product: Credit reporting, credit repair services, 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 : {$640.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting correction of inaccurate late payments on my credit report for XXXX XXXXXXXX XXXX, covering XXXX, XXXX, XXXX, XXXX, and XXXX. The files demonstrate that monthly payments of {$520.00} were made, which contradicts TransUnion 's reporting. Following consultation with the creditor, they have requested removal of these late payments. Please verify the payments through the attached files. 
If failure to do so I will further this action with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, XXXX XXXXXXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Did multiple XXXX transactions. I hen call Bank Of America, they told me theres nothing they can do and Ill have to reach out to the person. Never got anything back or issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware of Enhanced Recovery Company , LLC " ERC '' violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the CEO XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that ERC has been harming my financial reputation for over 5 years until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As ERC has been in business longer than 10 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. ERC never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Product: Debt collection

I`m disputing these account below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

WF Card-account # XXXX-this account is in violation of the credit reporting act & has passed the 4 year of Statute of Limitations reporting for the state of Texas. In addition, this account was sent to the IRS as a 1099-C, Cancellation of Debt. Which IRS was accepted and reported this debt as income, which is a 6 year old debt? The violation of this debt is the creditor is still reporting the amount of XXXX as valid debt and still trying to collect, and the balance was updated XX/XX//2019 showing this is a current debt for 2019, which is inaccurate because the balance as not changed and this debt was sent to IRS. This debt is reporting as a recent date of XX/XX//2019 and has passed the 4-year statute of limitations. Based on this inaccurate information this is a violation of CFPB and FDCPA SECTION 809 ( B ) FTC and this account need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX  in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. 

They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. 

I did not give any written instructions.
Product: Debt collection

ONLINE INFORMATION SERVICES is currently reporting on my credit report and inaccurate debt.
Product: Checking or savings account

i am filling a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts illegally reporting information solely on transactions and experiences from XXXX and XXXX. According to fcra consumer laws and regulations section 15 U.S.C. 1681b It clearly states a consumer report does not include information solely about transactions and experiences. There is no permissible purpose for this reporting except to damage my reputation. I never consented to this erroneous fraudulent reporting of Wells fargo, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires on my report are not mine, they are from fraudulent applications, and they need to be removed under the FCRA, inaccurate information needs to be removed from a consumers credit file. An inquiry that is fraudulent is not a " factual record '' of file access like your canned letter states. Failure to remove will result in litigation, do you want to be like XXXX? XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX . Resubmitted complaint and will keep them being resubmitted until trans union responds with the actual outcome not a canned response
Product: Credit card

I reported that is was fraudulent activity on my Paypal Smart connect card and asked to unlink the card from the Paypal account. They refused to do so and as a result there were a lot of unauthorized charges on my account.
Product: Vehicle loan or lease

I purchased a brand new XX/XX/XXXXXXXX XXXX in XX/XX/XXXX. I never had any issues with the vehicle until XX/XX/XXXX of XX/XX/XXXX. While driving to the store my check engine light came on and my engine seized. I brought my car to XXXX XXXX XXXX XXXX to attempt to have the engine covered under my warranty. The service department notified me that it would be covered and my engine would be replaced. At that time I was delighted and glad to have a XXXX product. As the weeks went on, it came to my knowledge that XXXX engines were currently being recalled worldwide for metal in the engine. This sparked millions of people to be bringing their cars in for repair. The engines were coming from XXXX XXXX and due to be shipped. Each week I would call and check on my engine status. Each week I was told a later date until I discovered that the workers in XXXX XXXX were currently on-strike with no return to work date. Any engines would be on backorder until further notice. I was instructed by XXXX that I could rent a car and be reimbursed for the rental fees 90 days after I received my car back which still had no set date. There was no loaner car or way for XXXX to rent me a car in the meantime. I pay a high car payment and can not afford to pay weekly for an undetermined amount of time for a rental car. I also attempted to have my payments lowered or deferred while I was waiting for my engine. Neither of these were options according to XXXX XXXX XXXX. I was offered a two month payment defferment but those payments would be added to the end of my loan term. 

Today, four months without a car and still no eta for the engine, I attempted to trade my car into XXXX and buy another XXXX. This was my absolute last resort as I have no vehicle and am close to losing my job. I was told there was no way they could finance a new car to me due to my credit rating. I was also told once again to get a credit card and charge my rental fees to it. This is not a realistic option. My hands are completely tied with XXXX and they are leaving me no choice but to default on my loan due to not having a vehicle. My car will have to be repossessed and I will not only live with that on my credit report but will still have to pay for the vehicle. I also now need to find a way to purchase another vehicle. 

I have spoke to XXXX XXXX XXXX, XXXX Consumer Affairs, XXXX XXXX XXXX XXXX Sales and XXXX XXXX XXXX XXXX XXXX. I call almost daily and am constantly told there is nothing they can do to assist me in anyway. They have left me without a vehicle and an impending repossession due to no fault of my own. I wish I could continue making my payments but it will not be possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company in reference to a account reporting on my credit report. This account is reporting a {$400.00} balance and was charged off. I then reached out to the company SunBit in reference to these apparent allegations of me owing. I was told an account was made in a different state I do not live in and this was clear identity theft I would only need to wait till the department handling these type of inquiries was available. So I waited called back and started an investigation for identity theft. The company Sunbit tells me my claim has been denied and I have asked on a multitude of occasions how what information was used to come to that conclusion. No one responded to the email. No contact after informing me they would continue to charge me for something I never even signed or purchased. I need original sales contract with my signature and proof that I was identified before the creditor even used my ssn. I need your help CFPB I need them to be held accountable for these actions and a remedy for this situation so that my credit score does not continue to suffer because of it. I have over a 700 at every bureau except on XXXX which this company seems to be reporting this false information to.
Product: Mortgage

Complaint regarding PHH Mortgage Services/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Regarding payments not properly applied to account/payments put in suspense account not used for mortgage and continue to receive Notice of Default which is stressing me out. I requested several times request for payment history. XX/XX/2018 PHH Mortgage lost {$1000.00} payment money order/I sending payments certified with money orders from USPS so i was able to report for replacement-in XXXX i received the replacement and sent to PHH Mortgage {$2000.00} which was never applied to mortgage but put in a suspense account my payments should be on track/there should have been {$2600.00} in suspense account but XXXX continue to report payments behind and Notice of Default continue to be received/unapplied balance {$2000.00}. 
( I do have all the return receipts and USPS money order ( s ) receipts. I will upload at a later time due to i do not have the ability to upload at this time ) PHH mortgage/XXXX XXXX company not only lose payments but also misapply payments and default consumer for their incompetent handling of funds PHH Mortgage/XXXX is not honoring " Modification '' for life of the loan/GMAC Mortgage changed to Ocwen then to PHH Mortgage now XXXX XXXX. I have done complaint regarding this and it has not been resolved. 

This is affecting my family and I unnecessarily during this CoronaVirus pandemic PHH Mortgage/XXXX XXXX do NOT apply payments received correctly and is NOT keeping accurate records
Product: Debt collection

I tried making a payment plan with XXXX XXXX XXXX and they were supposed to take {$200.00} a month to pay off the medical expenses and they didnt follow through with it, so went into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX XXXX  in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX XXXX  agreed to correct the status on the XXXX  XXXX account being reported to reflect the accurate " XXXX '' status. Consumer challenged the XXXX  XXXX XXXX  account ending in XXXX with XXXX and Equifax demanding that the account data that was furnished meet FCRA requirements. Consumer provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the Equifax XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. Consumer is now seeking legal action along with acceptable direction from a credit attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was serviced by Ocwen. Ocwen sold/transferred my loan to PHH. All payments were made timely. My loan was not timely/accurately transferred. I was just notified by XXXX XXXX that my loan as of XX/XX/XXXX reporting 30 Days late, with a {$0.00} balance and closed XX/XX/XXXX. My account was not 30 days late. When we called PHH and Ocwen we were advised that the over 30 will be removed due to it being inaccurately reporting. I was advised that there was a delay in Ocwen transferring the loan to PHH due to system issues. This is a violation of the FCRA.