23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was laid off due to Covid-19. I applied for the pandemic relief through my mortgage in XX/XX/2020 and was approved. Now they fraudulently reported negatively on my credit report. I was never late with them and current when I applied for the pandemic relief. As a matter of fact, paid all that was owed and ended my forbearance plan early. Now for the month of XXXX they added a 90 day late. Again, I was not in default prior to being approved for the pandemic relief program. 

Im attaching my approved pandemic relief letter, the three payments I paid when I chose to call and end the pandemic relief early and paid all payments due during the pandemic on the phone with an agent during the same call of me asking to end my forbearance early, and the credit reporting showing the negative 90 plus days reporting forXX/XX/2020. I did everything right during the plan and called Immediately when j was called back to work and immediately paid and took myself off the plan. I made sure I wasnt taking advantage of the program and in turn they took advantage of me and destroyed my credit putting me in the high risk category for lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT.

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX and XX/XX/XXXX asking that they be removed. Please note response should have been provided by date XX/XX/XXXX. I have not received report and Experian is over the time frame required to submit report to me. Please refer to the attached Experian XX/XX/XXXX dispute letter sent to them.
Product: Debt collection

ARC has knowingly furnished false credit information to the credit reporting agencies as a means of collecting on this extension of credit through unlawful extortionate means. I have reasonable cause to believe that ARC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in unlawful extortionate means was a violation of the RICO act. ARC has not attempted to lawfully validate this alleged debt prior to furnishing this false tradeline to nonaffiliated third parties. I did not and I do not consent to the furnishing of this false tradeline to any credit reporting agencies. ARC is to provide documentary evidence such as the books of accounts or any evidence as described under 15 USC 44 that this in fact a legitimate debt. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these unlawful extortionate means. 

If ARC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of government in the United States, your company is knowingly in violation of the false claims act. 

If this account turns out to be an extension of credit, ARC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and a violation of the RICO act 18 USC 894.

Although your enterprise may have " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. 

This is a demand to cease and desist all illegal collection activity and remove this fraudulently furnished tradeline from my credit report immediately or I will follow up with a complaint with the FTC and my state 's attorney general along with moving to file suit in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : NISSAN-INFINITI XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX Re XXXX Letter to Remove Inaccurate Credit Information. 

To whom it may concern : Ive recently received a copy of my consumer report, and noticed that you Experian are reporting inaccurate and incomplete information. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting.15 USC 1681 ( a ) ( 1 ) also states inaccurate credit reports directly impairs the efficiency of the banking system.You Experian are in clear violation and I'm requesting for you to not only investigate but to verify that all data for the listed accounts are reporting accurately including every notation date and balance reported or not. 

XXXX - SXXXX XXXX XXXX has 2 on time payments reporting for the months of XXXX and XX/XX/XXXX with, 1 ( 30 ) day late payment for the month of XX/XX/XXXX with the status for the account showing paid with no other payment history. 

XXXX- XXXX XXXX hs has 2 on time payments reporting for the month of XXXX and XXXX of XXXX, with XXXX, XXXX and XXXX reporting as late payments. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX reports as a Charge Off. 

Congress also states pursuant to 15 USC 1666 ( b ) a creditor may not treat any payment on a credit card as late for any purpose. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late which is my right according to the FCRA. I demand that if you Experian are unable to do so or lack proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply me with the corrected credit profile to the address listed on file. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information.Pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ), you have 30 days to complete your investigation.

Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been monitoring my credit score and reports. On XX/XX/2023 my credit score for Transunion was XXXX and my XXXX score was XXXX. My income is {$110000.00} but since I don't have a lot of open accounts my credit scorXXXX had been pretty stagnant, so I decided to open up a credit card account so I can establish more credit and have an opportunity to increase my score. 

As previously stated my credit score on Transunion was XXXX and my credit score on XXXX was XXXX on XX/XX/2023. I then applied for a XXXX card and was approved. The account was opened in mid-XXXX When XXXX card account was opened immediately my score on both the Transunion and XXXX reports changed, which was expected. But what it changed to was very unexpected because the new credit score from Transunion and XXXX were so different. 

Transunion score saw a decrease of XXXX points. Transunion decreased from XXXX to XXXX ( vantage XXXX score ). XXXX on the other hand saw an increase of XXXX points. That score went from XXXX to XXXX as a result of the new XXXX card account. So basically my issue is... ..Transunion score decreased XXXX points, while XXXX increased XXXX points. Why did the two credit reporting agencies report such different results for the same report activity? 

Both reports show the XXXX card was the underlying factor for the change in credit score. But Transunion went down XXXX points and XXXX up XXXX points. That doesn't seem right. Transunion score is showing XXXX and XXXX XXXX and they are both using the XXXX XXXX scoring model and both have same accounts. So my question. Why did the Transunion score decrease so signficantly ( minus XXXX points ) when XXXX went up? 

I know there can be differences between credit reporting companies but they are both using the same credit scoring model and both credit scores was neck and neck ( XXXX and XXXX Transunion and XXXX respectively ). So why did Transunion go down XXXX points and XXXX go up XXXX points? 

I think the Transunion score is wrong and I need someone to review but they don't have any dispute mechanism in place to dispute the credit score. I have dispute the credit report and accounts, etc, but their website doesn't let you dispute the score which is why I am writing you. 

I need a government run regulatory body to review this matter and request Transunion to review independently and report updated status. Also want to know how the same event ( opening a new credit card ) can have such different effects on Transunion and XXXX credit reports. especially since the scores were similar before the event and the companies are using the same credit scoring model. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found information was incorrect. XXXX credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). You have no right to these decline this reports as unaudited information unless you provide evidence within the time allowed by law. Due to inaccuracies in my credit report file, I need to investigate and correct the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

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

XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the EQUIFAX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and EQUIFAX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have 3 credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Product: Checking or savings account

My bank closed my account 3 days ago. 
The app is still letting me log in and see my balance. 
DC department of unemployment deposited money into my account yesterday. 
Today I received a call from the hotel that the VA sent me a letter to go pick up. As soon as I walked into the hotel a debit of XXXX disappeared from my account. I dont own a debit card and they closed my account. So how did BB & t post a XXXX deduction from my account? BB & t stole this money according to the manager on duty cause they dont make reservations in person at this hotel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00}
Product: Money transfer, virtual currency, or money service

My social security check was credited to my checking account and shown as " Available Funds '' on XX/XX/year>. However, when I attempted to make an electronic payment via the Wells Fargo XXXX XXXX system - the payment failed due to insufficient funds in my checking account. This has been a recurring problem with Wells Fargo Bank which remains unresolved to this date despite numerous efforts to explain this issue with bank officials in writing. The Wells Fargo Bank is a member of the Federal Reserves program which requires banks to make funds available " NOW ''. 

To this extent, Wells Fargo Bank should be forced to comply with existing banking rules and regulations for which the Federal Reserve Bank has mandated accordingly. The instant action requires Wells Fargo Bank to make my social security funds immediately available for bill payments.
Product: Debt collection

I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email.

This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways.

The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.
Product: Debt collection

I receive multiple calls a day from XXXX I finally called them back and it's not even for me its for my roommate they call several times a day and do not leave message harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hire Right Inc. XXXX/XXXX/XXXX case number XXXXHire Right will not correct dates of employment for XXXX XXXX XXXX. Dates of employment was XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I never worked one day in XXXX XXXX and they will not correct it on my employment history. This error will effect my chances for employment. Instead of making information right or wrong they decide to take the side of the paying customer. I would like to see any proof that I worked one day for XXXX XXXX XXXX in XXXX XXXX, just because the pay period ended on XXXX not mean I worked in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, one or two companies made a mistake and denied my name and XXXX  accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My XXXX is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX goods outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.
Product: Student loan

I applied to change my repayment plan over three months ago, the amount of time they need for my repayment plan to update has passed, but FedLoan refuses to change my plan, forcing me to keep calling in and asking for forbearance. It is very frustrating and I have wasted hours on the phone listening to empty promises. I just want a simple change to my repayment plan but FedLoan ca n't even do this. It is pathetic.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove all fraudulent accounts from my report. they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act RBFCU has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may n
ot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you and please let me keep me updated on the complaint outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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.