23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of XXXX in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXXXXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

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

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX 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 a account without my written instructions
Product: Debt collection

Saw on credit report. Disputed. Reached out to agencies on credit report to resolve unrecognized issue. Said would not talk to me. Placed in collection and filed claim for payment and will remain on credit if I dont pay. Refuse to provide any assistance
Product: Debt collection

The caller from " Financial Recovery Services " called and without disclosing began asking my name, address, social security number, indicating that this was a financial matter and that this line is being recorded. I did not pursue the call any further following this introduction. 
I subsequently looked up the Consumer Finance protection ( this service ), and was advised my rights, i.e., requiring of a written notice, and an chance to not discuss any further without a written notice. The caller was quite aggressive and did not allow me the chance to have a business like discussion of this matter. The telephone number for the caller 's office is : XXXX, and I believe the organization is located in XXXX, XXXX 
Thank you so very much for your guidance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

MIDNIGHT VELET HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. TYHE AC COUNT WAS CHARGED OFFIN XXXX  BUT MIDNIGHT VELVET HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Product: Credit card or prepaid card

I have a loan with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and US BANK with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Received a letter from a company called Hunter Warfield based in XXXXXXXX XXXX, sent to my address but under my XXXX name ( he does not live here ). 
It lists a Creditor Name of XXXX XXXX and a balance due of {$13000.00}. I have never done business with any entity named XXXX XXXX.
Product: Vehicle loan or lease

During the pandemic my company cut back hours and unfortunatelyshut down due to Covid. I lost income, therefore I contacted credit acceptance the company I had a car loan through. To make payment arrangements which I continue to keep up, if I couldnt I would contact them to modify the arrangement. My vehicle I finance through credit acceptance was almost paid off. Well XXXX night I was awakened to a loud sound coming out my yard. It was my vehicle which I financed through credit acceptance being repossessed, snatched out of my yard without any notice. Credit acceptance did not contacting me giving me any information that they would repossess my car before repossession. After communicating and making payment arrangements with them I trusted they would do the right thing. My vehicle was nearly paid off. I have been without a vehicle every sense. Credit acceptance have put a ridiculous dollar amount and Put voluntary repossession on my credit to XXXX, XXXX and XXXX XXXX and that not the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX XXXX {$790.00}
Product: Student loan

In XXXX, I logged into Studentaid.gov and saw that I was XXXX payments away from XXXX XXXX XXXX XXXX ( XXXX ). I started doing research to find ways to make those payments. I was directed back to Studentaid.gov to fill out a buyback request form. I filled that form out. In XXXX, my account showed that I had XXXX payment remaining for XXXX. I contacted studentaid.gov and was told my XXXX form would be escalated, and I would receive an answer in 14 days. After 14 days, I called Studentaid.gov and was told I needed to wait XXXX business days for an answer. I waited XXXX more weeks and contacted studentaid.gov and was told that the 45 day deadline had expired, but no one had processed my form yet. I asked to be removed from XXXX ( which I did not sign up for but was placed in without my permission by studentaid.gov and my servicer ) and asked for a deadline and was told I could not have one. The representative also told me to follow the complaint form on the web site. That form did not work for 6 months. I would just like to know how to make one payment, so I can get to XXXX payments and receive XXXX. I have submitted complaint forms and keep receiving the same response. " It will take up to 45 days to process this information. '' This week I received an email again letting me know that the 45 days had passed, but I still could not have an answer as to how to make one payment or how much that payment would be.
Product: Debt collection

I had a medical collection hit my credit from CCS. I called the collection company immediately and asked what it would take for a letter of deletion. The person I dealt with said that was impossible, and they had to report it to the credit bureau, so I settled it. I understand I made a mistake by thinking my lab work was covered by insurance. After doing research, this is a lie, and they could have helped. But for them to flat out lie and XXXX my credit up for 7 years is a terrible way of doing business, even for a collection company. Calls are recorded if you wanted to investigate the business. Many similar complaints like mine.
Product: Checking or savings account

This bank constantly deducts transactions starting from the highest amount to the lowest amount. For example : Lets say I have XXXX $ in my account. If I make 2 charges on a Thursday for XXXX XXXX another on Friday for XXXX $ and an automatic bill pay goes through on a Saturday for XXXX XXXX I receive 4 overdraft charges even tho the Saturday charge is the charge that overdraws my account .. All items post on Monday in order of most expensive to least expensive. If I make a deposit. The deposit is credited to my account after the deductions even if the deposits was made on Saturday over the weekend.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Venmo for Unresolved Transaction Dispute and Refund To Whom It May Concern : I am writing to formally file a complaint against Venmo regarding an unresolved transaction dispute and refund. Below are the details of my issue : XXXX. Financial Institution : Venmo XXXX. Transaction Date : XX/XX/year> XXXX. Incident Description : On XX/XX/year>, I sent money through Venmo to an individual who scammed me. I promptly requested an investigation and disputed the transaction. Venmo acknowledged the dispute and informed me on XX/XX/year>, that a refund had been approved and would be processed within XXXX to XXXX business days. 
Despite this assurance, I did not receive the refund within the stated timeframe. After multiple follow-ups, Venmo later communicated that they were expediting the investigation. Eventually, I received an email from Venmo instructing me to contact my credit card company/bank for further assistance, stating that the refund should be handled by them. 
XXXX. Communication Attempts : I have contacted Venmo more than XXXX times regarding this issue by phone, each time seeking clarification and resolution. I also reached out to my credit card company/bank, as instructed by Venmo, but they confirmed that they never received any refund or related communication from Venmo. 
XXXX. Resolution Sought : I am seeking the immediate processing of the refund owed to me, as initially promised by Venmo. Additionally, I request an explanation for the delays and miscommunication that have occurred throughout this process. 

This issue has caused significant frustration and inconvenience. I trust that the CFPB will assist in ensuring that Venmo honors their commitment and provides the refund I am entitled to. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

spoken with XXXX, transunion, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
Product: Checking or savings account

AXOS bank closed my account on XX/XX/29 and has made it nearly impossible for me to get my money back from them. I have tried to email and call them multiple times with either no response or I was told I was not speaking with someone with authority. They can take up to XXXX  days or longer to get your money back and you have no control over when you get your funds back.
Product: Credit reporting

I wrote to Transunion to have them remove some addresses and they removed and then re-reported them again on XXXX XXXX, 2017. These addresses are not where I live nor tied to any accounts I have and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : 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.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like Credit Acceptance are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( XXXX ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Experian report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness. 

I've attached XXXX proofs of address, my social security card, my ID, a letter disputing the incorrect information, and a snippet of my XXXX credit report pertaining to the XXXX XXXX account.
Product: Student loan

This is a parent plus loan. This loan was was opened with XXXX Bank in XX/XX/XXXX. I think I may have converted it from Sallie May to this because I was led to think that I had to. The original amount of this loan was {$18000.00} but I still owe {$18000.00} as of XX/XX/XXXX. I had some difficulty paying through some of the years and I think some months some payments were deferred. I can hardly imagine that I still owe almost as much as the original loan after all these years. I am now retired and this is a great hardship on my wife and I. I hope, some how, there is some relief I can get from this loan.
Product: Credit card

My name is XXXX XXXX XXXX XXXX XXXX, I am XXXX years old and CHASE CREDIT CARD BANK has been, creating me, problems in regards a credit card I had with them Everything was fine on my end! The monthly payments have been made steadly, Never late, always paid more the minimum balace! I made sure, by authorized automatic payments, XXXX day coming from nowhere, I tried to use the card and wouldn't work, I try to get into my account thru the card app, and for my surprise was blocked for suspicious activities, I call the bank I they made me go thru an huge extensive identidy check, I staying on the phone for well over an hour with many moments o f complete silence, like a little children 's game! They just left me there sitting and waiting for their disgrace!! They ask me detail questions of my addresses over 35 years a go, that many computers XXXX  would not have an answer! They never send an email or called me or anything! The only thing they is to pull money out of my account with XXXX automatic charges on my Bank account to callect my money without me be able to confirm payments or details of payments! They simple charge me anything they fell like it! Without any reference for my payments! That is taking a huge toll on me, since I am very conscious person about my credit health, which they have hurt deeply lowering my score from XXXX to XXXX with no respect for my age or situation! What their doing it's an Psicologic and Financial abuse against an elderly person! 
It's just not fare and should be severely punished by the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.
Product: Mortgage

I have just read the ruling on the case of XXXX XXXX XXXX XXXX v. XXXX No. XXXX, XXXX XXXX XXXX XXXX, As Trustee for HOME EQUITY ASSET TRUST XXXX HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES XXXX, Appellant, v. XXXX XXXX ; Unknown Spouse of XXXX XXXX ; XXXX XXXX XXXX, XXXX. ; XXXX XXXX XXXX Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX. ; UNITED STATES OF AMERICA ; Any and All Unknown Parties Claiming By, Through, Under and Against The Herein Named Individual Defendant ( s ) Who Are Not Known To Be Dead or Alive, Whether Said Unknown Parties May Claim An Interest As Spouses, Heirs, Devisees, Grantees, or Other Claimants ;Unknown Tenant # 1 ; Unknown Tenant # 2 ; Unknown Tenant # 3 ; and Unknown Tenant # 4, The Names Being Fictitious To Account For Parties In Possession, Appellee. District Court of Appeal of  Florida, XXXX District, dated XXXX XXXX, 2017. And am hereby filing this criminal complaint with the CFPB to be forwarded to the competent Attorney Generals and the FBI regarding the attached fraudulent Assignment of Deed of Trust and involvement of Caliber Home Loans and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, as alleged TRUSTEE, and the alleged XXXX TRUST, et al.
Product: Credit card or prepaid card

B of A Cash Rewards Program I received a Credit Card from BofA in XX/XX/2022 which offered a {$200.00} refund on purchases if I charged {$1000.00} within 90 days - I called Customer service in XXXX to ask when I had to meet the {$1000.00} thresh hold and I was told since I hadn't used the card up to that point, I would have until XX/XX/XXXX to receive the {$200.00}. I called in XXXX and asked again when I would need to meet the {$1000.00} threshold and I was told again 'that I would have until the ed of XXXX. I called on XX/XX/XXXX and I was told the {$200.00} credit would be applied at the end of XXXX. 

I called XX/XX/XXXX and asked why the $ XXXX t had not been applied to my bill as promised, and was told that an extension had not been granted. In XXXX I called and ask for a Customer Service Supervisor and was told the same thing even though I had again gone through the scenarios of what I was promised. On XX/XX/XXXX I received a form letter stating I did not meet the requirement to spend {$1000.00} within 90 days, which I would have done had I been told in XXXX and XXXX that was what I needed to do. 
I feel this was a " bait and switch '' situation and see that BofA has been sued for doing this to other consumers.
Product: Credit card or prepaid card

On XX/XX/XXXX received letter from Dept of Labor and Employment saying claim for unemployment benefits has been received. My husband is XXXX years old and did not file a claim.XXXX XXXX received a Visa debit card from US Bank. We are fearful that someone is stealing my husbands identity. Please advise us on what to do to stop this.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy on XX/XX/year>, with the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX Case # XXXX. The bankruptcy report was not obtained from the courts, as their website states they do not report to credit agencies. Therefore, it is not possible for them to have provided that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Equifax and XXXX. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!