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

Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

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

This account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with Equifax where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. Equifax is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I checked my XXXX XXXX account online to check my latest charges. I was amazed to see a pending charge of {$89.00} from Experian which I never made. The only time I previously contacted them was in XX/XX/2017 to put a freeze on my account, which I paid {$5.00}. I tried calling them, and was told the wait time was greater than 1 hour. I checked some of the websites and seen that there are many others going through the same issue. Many of them complained about waiting as much as 2 hours just to have them hang up on the caller. It sounds like many people just give up trying to get the charge removed. This is just pure theft and the company should be prosecuted. I don't intend to let them get away with this. My next step is to contact the local TV XXXX for them to bring this to light. Please help.
Product: Debt collection

Jefferson capital systems are trying to garnish my wages. They never contacted me or anything. They send the paperwork to my employer.. I make {$580.00} every two weeks before taxes and I get government benefits.. like year I offered to pay something, they told me it was n't enough. then decided to file bankruptcy which I 'm still in the process of doing so. In the past they have called and horrassed me at one time I was paying on this card $ XXXX month.. then I again lost my job and now that I am barely making it, after taxes bring home pay is XXXX
Product: Credit card or prepaid card

daughter paid for this card to help me pay doctor bills, she put {$420.00} on it at XXXX. They told her it would take a few days for the money to be loaded. I tried to use the card on XX/XX/XXXX and found there were no funds. On XX/XX/XXXX there was a charge to XXXX in arkansas for the full amount. I live in nevada, I did not authorize. Contacted XXXX on the internet and they said there was no charge to my card number. Contacted the number on the card and spoke to XXXX on XX/XX/XXXX at XXXX. I was told it would take 10 business days to resolve and to get my money back. I was given case Id and email of XXXX to find out how " investigation '' is going. I have emailed them 3 times, no response. Again I called the number on the card and spoke to XXXX who now tells me that is will take XXXX to XXXX for the " investigation '' to find out XXXX did not make the charge that i was able to find out in minutes. Something is definitely wrong with this. I am XXXX and I need this money for doctor bills. How can they just take my money like this?
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 .S. 81 ser hase i. States 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 16815-2 ( A ) ( a ) 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.

Delete the accounts below. 

DELETE HARD INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX TRANSUNION, XXXX XXXXXXXX XXXX, XXXX XXXX  TRANSUNION, XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION, XXXX XXXX TRANSUNION, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the freedom debt consolidation company. And I was never contacted by your company about money owed to me. Id like a call back please XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX  ) reported a late/ missed payment to XXXX and Equifax in the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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,, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date opended XXXX XXXX Balance XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date opended XX/XX/2022 Balance XXXX 15 USC 1692c ( c ) that law clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. ''
Product: Credit card or prepaid card

I submitted Jet Blue Barclay Mastercard credit application inflight on Jet BlueXX/XX/XXXX I submitted in error, boyfriend wanted one opened in business name, I submitted in my personal name. I called Barclay Credit DepartmentXX/XX/XXXX, XXXX to try and cancel application and they said there was nothing they could do according to supervisor?XX/XX/XXXX! I ask to speak with supervisor and they refused and said there was no one else I could speak with. Gave me PO Box of Barclay. This would not assist me in preventing my application from being processed, therefore requiring me to close account going against my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I submitted a complaint via the CFBP to XXXX XXXX XXXX asking them to validate the alleged debt in the amount of {$170.00} that is reporting negatively against my name and social with all three credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX responded by saying " Dear Ms. XXXX, We are in receipt of your complaint submitted to the CFPB on XX/XX/XXXX regarding an account placed on your credit report by our agency. Please be advised that pursuant to your concerns, and according to Texas Law, we have placed your account on a disputed status, and have ceased collection activity against your account ending in XXXX. Our records reflect that your account ending in XXXX due to our client, XXXX XXXX XXXX XXXX was placed with our agency, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Your account was placed with our agency with an address in XXXX, TX, which is where our agency mailed you collection notices. Our records further reflect that we placed numerous telephone calls to your telephone number ending in XXXX with means to advise you of your account being placed for collections, but we were not able to reach you. Please be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. As per your claim that our agency is not authorized or licensed to collect in the State of Texas, please be advised that this is not an accurate claim. We are properly licensed in the State of Texas as Retrieval-Masters Creditors Bureau , Inc., as well as all of our assumed names including XXXX XXXX XXXX XXXX. Should you have any further questions and/or concerns, please do not hesitate to contact us. '' I am unclear as to what actions were actually taken to resolve the issue. XXXX XXXX XXXX  stated " ... .lease be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. '' Does this mean the alleged debt has been or will be removed? More over, I was sent a validation of the debt via mail. The communication received from XXXX XXXX  XXXX is address to an XXXX XXXX XXXX. I am unaware of who that is as my middle name does not start with and has never started with a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a experian agent that I cant dispute account XXXX XXXX XXXX and she told me it was restricted by the company which it dont make any sense and I send experian the FTC report and I wanted to dispute two accounts XXXX XXXX XXXX  XXXX XXXX. and experian is unable to remove them and just put in as a regular disputes instead and I have to wait 30 days .. which is wrong and its against the law and its is identity theft and I need have these accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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. The problem has not been resolved. my fico has me at a credit score over 719transunion 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 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT PARAMOUNT RECOVERY SYS XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I am a victim of identity theft as a result of a data breach. When I learned of this, I began reaching out to the institutions and banks reflected on my credit report, all of which I have no affiliation with outside of the fact that my information was fraudulently used to open up a plethora of accounts under my name. I have been successful in the process of disputing these accounts and outstanding balances with XXXX out of XXXX accounts, which have since been removed from my credit report as a result of my actions and efforts to prove that I was not the individual involved in opening the accounts. However, I have been in the process of disputing credit with XXXX XXXX XXXX XXXX, AFFIRM INC XXXXXXXX XX/XX/2022 and have yet to have my case resolved with these agencies. With XXXX XXXX  specifically, I have submitted copies of police reports, an FTC report, proof of identification and personal statements, and have expressed my frustration with their lack of attention and ability to identify my account activity as fraud, yet they continue to write back to me saying that " unless I have new or relevant information to support my claim, '' they can not move forward with my dispute. I feel this is unfair on their part, I have taken all actions and have provided all documents necessary yet they sustain that nothing more can be done. As for the XXXX other entities, they have approved my dispute and XXXX calendar days have passed since their approval yet the derogatory information still appears on my credit report. I feel that I have taken every step possible in moving forward and I no longer know what to do to restore my credit.
Product: Mortgage

On XXXX XXXX, XXXX, I received a default letter from the bank telling me my loan was in default for my failure to make a payment on XXXX XXXX, XXXX. They told me I had 30 days to pay the past due amount of {$120000.00}. I called them to ask for an itemized breakdown of the amount demanded because it seemed ridiculously large. ( i.e. how much was for principal and interest payments, how much for late charges, how much for escrow charges, etc. ) I also asked them how they could demand money from me for payments I allegedly failed to make more than 5 years ago. They told me they would send me a written explanation within 30 days. I never got a response despite several follow up phone calls. After several months of waiting, I went to an attorney who wrote a letter to them XX/XX/XXXX asking them again for an itemized breakdown of the amount they were claiming was due. They sent my lawyer a bunch of paperwork ( note, mortgage, payment history ) but never explained how they came up w/ the {$120000.00} amount demanded in their XXXX XXXX letter. I then filed a complaint with the CFPB ( Case No. XXXX ) for their failure to respond to my repeated requests for an itemized breakdown of the amount they claimed I owed them. They wrote back to the CFPB and said they sent a response to my complaint to my attorney. They did not. I then filed a follow up complaint w/ the CFPB today because they did not send my attorney any response to my complaint. Then, to my surprise, I received another letter from the bank on XXXX XXXX, XXXX. This letter demanded {$88000.00} and said I defaulted for failing to make my payment due XXXX XXXX, XXXX. If they knew I had an attorney XX/XX/XXXX when they responded to my CFPB complaint, why did they write to me directly on XXXX XXXX, XXXX? Also, how am I supposed to know how much to send them to reinstate my loan when they send me completely different amounts to cure the default and with different default dates? Furthermore, they have never explained to me how they arrived at either amount ( i.e. {$88000.00} or {$120000.00} ). I have been trying to bring my loan current for years but they keep giving me misinformation. I am fed up with this. I am a XXXX citizen ( XXXX years young ) and I deserve more than just " form '' letters telling me to pay money without any explanation as to how they arrived at these crazy amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Td financing for proform order never recieved was canceled and they still reported to the credit bereau they order was shipped and my balance was XXXX due
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 this account ( A ). It is not permissible to fail to validate this reporting account 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 Balance : {$360.00}.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting

The Credit Report Bureaus ( XXXX, XXXX, Transunion ) has decided that as of XX/XX/2016 that student loans from the Department of Education, should be reported in a way that negatively affects consumers that are under the IBR plan, PAYE, REPAYE, ICR.. As it is known our government has made efforts to facilitate low income citizens to be able to repay their loans. As we all know All Student Loans accrue compounding interest. For re-payers that falls into the above repayment agreements with the Department of Education, the original loan amount, will be lower than the current balance ( this could potentially change only if the holder of the note experiences a leap change in their financial situation ). 
The decision of Transunion, XXXX and XXXX to impose ( servicers like XXXX XXXX, etc.. ), to report " High Limits '' lower than the " Balance Amount '', impacted that my credit score - and I assure others as well- to decrease credit scores to a mounting XXXX to XXXX credit points. 
This means that lower income Americans are doubled affected by the decision made by this private institutions. The effect is represented as " overuse of credit '', " credit decrease '', " percentage of credit use '', that DOES eliminate opportunities for Americans to stay ahead of the most basic financial situation, like obtaining appropriate rent agreements, or car loan with affordable interest rates, car insurance, etc. In other words, for those that even graduating, with the expectation of achieving the " American Dream '', and fell into the cracks of the longer recession ever in the country, where not appropriate and decent paying jobs are available, their future is even more uncertain. 
My main question is : How is it possible that private institutions will diminish the effort of the Department of Education to help lower income payers? How could they get away with such abusive measurement? 
Let make myself clear, I am not arguing the fact that reporting should not happened, I think payments amounts, terms and late payments if any and so forth are " ok ''. That falls into the personal responsibility of the loan holder. But if even the holders of the student loans take the effort to not be in default with the Department of Education by enrolling in this other programs, why are they punished by PRIVATE organizations? 
I am speaking on behalf of myself and for the others that may have not realized yet the impact of this decision. 
I possess all proves of my complaint. I do not only demand a personal answer but a public acknowledgment of this issue. I will be willing to share my experience at a Congressional Hearing as well as I would like the CEO 's of these XXXX private credit reporting " agencies '' to provide a solution to their decision. 
I could be reached at XXXX, XXXX XXXX