23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in regards to a debt collection that is not valid nor mine. 
As a single mother and sole provider for my household, I have worked diligently since XXXX to pay off all debts owed and clean up my credit in order to purchase a home for myself and my daughter. 
I started in XX/XX/XXXX by contacting all my debtors based on my credit report and outstanding debts owed. 
By XXXX I was able to pay off all debts with the exception of my school loan and car payment. I continued on my journey of cleaning up my credit by no longer acquiring credit cards and living by " cash only ''. 
In XX/XX/XXXXI received acknowledgement that I had finally paid off my school loan in full. This was the best day of my life considering how long I had been paying on this school loan and was now only left with my current car payment as my only open credit account. 
In XX/XX/XXXXI started the process of purchasing my own home. I would not have been able to accomplish this with any outstanding debt, collections or judgments against me. In XX/XX/XXXXI was able to purchase my first home and felt fantastic about all of my hard work since XXXX to make this dream come true. 
In the background as all of this was going on, Winn Law Group sent me notice after notice after notice threatening me with debt that was not mine nor owed. I repeatedly told them via phone calls, refusal of mail, and written communication that I did not owe this money and that they were harassing me. They have been relentless in their pursuit and it has escalated now to them trying to garnish my wages. I have provided them with copies of my credit report showing that there is NO DEBT that is outstanding nor owed to any parties. 
The Winn Law group has been aggressive, rude, non-compliant and basically just harassing. They have phished my social security number and will not leave me alone. 
They are now trying to steal over {$6800.00} from me via wage garnishment without cause. I am the sole provider for my household and every penny I earn is budgeted and accounted for. In addition I monitor my credit daily to weekly and any time there is a change I am monitoring it. 
Please help, Winn Law Group needs to be stopped. 
I have included copies of my Credit Reports ( XXXX & XX/XX/XXXX), where I started to where I stand, my payoff letter to my school loan and documents showing Winn Law Group garnishing my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't know where these XXXX hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX phone number XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX XXXX15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section XXXXXXXX XXXX XXXX XXXX15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX  XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, personal loan, or advance loan

I am a XXXX  resident, and back in XXXX, I was offered a title loan in Delaware, which I accepted. It was for {$2200.00}, and I was told that I would have to pay about {$4500.00} in total. That's also what shows on the app. However, I wasn't able to access the documents on the app to double-check my rates. But when using a computer, I was able to open the documents and, to my surprise, the lady who lent me the money lied. I'm supposed to pay back over XXXX after borrowing {$2200.00}, and the interest rate is over 200 %. It was my fault that I did not read the document before signing, but since I'm a XXXX resident, can I use XXXX law/regulation to fight back against this predatory interest rate even though I took the loan in Delaware? Thanks.
Product: Credit card

I have a hard hit inquiry on my credit reports from BARCLAYS BANK DELAWARE. I do n't recall completing a form or request for credit from this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED CAPITAL ONE ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XXXX-XXXX XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. CAPITAL ONE HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.
Product: Credit card

I recently received a mailer from Chase Bank XXXX XXXX XXXX asking me to apply for a XXXX XXXX XXXX card. After applying online I was rejected by Chase bank for having opened XXXX accounts in the past two years. I not only spoke to an agent on the phone but I went into a branch to ask if there was anything I could do to appeal the application and was told there is n't. They flat out claimed that Chase bank has a XXXX cards in 2 years policy to prevent " churning '' of credit cards. However, their policy does not take into account account closures, which is an easily verifiable and required part of " churning '' Other than student loans I have had only XXXX credit card closed in the past 5 years, and it was closed by the issuing bank for inactivity, it had been open for over 5 years. 

Chase bank not only placed another hard pull against my credit, they denied me for a card I was directly mailed an offer for due to an arbitrary rule put in place by them with no consideration of my credit score or credit usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my vehicle on XX/XX/2020 and immediately XXXX XXXX XXXX was notified and XXXX XXXX XXXX took possession. There is some obligation between XXXX XXXX and XXXX that is operating outside of my deal to trade and the vehicle is still not paid off. The dealership states that XXXX XXXX owes them {$60000.00} so they refuse to send in a check to pay off the vehicle. XXXX XXXX states that dealer services is handling it ... they are not doing collection calls YET they reported me late to the credit bureaus dropping my score 109 points. The dealership also listed the vehicle within days so whatever issues they have with each other ... I am the one being negatively impacted. In addition I am owed a refund for a warranty service plan that XXXX XXXX mandates because I cancelled immediately on XX/XX/XXXX when they opened. I have a contract showing that this vehicle was traded in. Trust me if XXXX XXXX even thought I had this vehicle they would have shown up to repossess it. XXXX of XXXX is culpable also. Two companies that I hope to NEVER do business with again. Unethical, predatory and disingenuous is just a few words that describe these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

Equifax shows 60 days late no 30 day late, also shows co, co, co, OK. Equifax also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made XXXX shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co XXXX also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute XXXX has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX XXXX Bank ( XXXX ) and the 3 Credit Bureaus ; Experian, XXXX, and XXXX. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the 3 credit Bureaus. Experian ( online ), XXXX ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the 3 Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between XXXX and Experian, The date last active is also different between all 3 Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. I disputed the following information with XXXX, Equifax, and XXXX PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of experian investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to experian on what needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to equifaxsecurity2017.com, my personal information, potentially including name, birth date, address, driver 's license number, social security number, and credit card numbers, were publically disseminated by Equifax due to their extreme negligence. It is egregious that they did not take even the simplest security precautions to protect my information. This happened as early as XXXX and I was not notified until XXXX. Everything about this situation is entirely unacceptable.
Product: Credit reporting or other personal consumer reports

Re : Discrepancies and Errors in Credit Reporting by Experian Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by Experian. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that Experian has been reporting incorrect and outdated information, which has adversely affected my XXXX XXXX and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from Experian, XXXX, and XXXX, which clearly illustrate the discrepancies in Experian 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : Experian 's XXXX XXXX differs significantly from both XXXX and XXXX. Experian 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of Experian 's reporting. 

Outdated Information : Several entries in my Experian credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : Experian reports significantly higher loan and total debt amounts compared to XXXX and XXXX. Experian 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel Experian to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you may require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

Enclosures : Experian Credit Report XXXX Credit Report XXXX Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to XXXX. I currently am XXXX and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below 600 due to this. This loan was from XX/XX/XXXX and is under 1,000.00 due.
Product: Credit card or prepaid card

American Express has allowed numerous fraudulent accounts to be established in my name. I have already advised American Express these were fraudulent accounts as a result of identity theft. American Express is already aware I am a victim of identity theft since a previous application for an Everyday Card was already reported as identity theft. Yet they closed that account but the following accounts were established using the email address that was found on the dark web from XXXX being sold by identity thieves, I have already notified American Express of this information and they laughed it off. Their Fraud Department tried to say they deny the claim because payments were made to the Gold card USING A FRAUDULENT bank account which I had XXXX XXXX close due to unauthorized transactions, and XXXX XXXX also reversed all the payments made to these accounts to American Express as fraudulent unauthorized transactions. I did not authorize any of these accounts to be established using XXXX, I did not receive these cards and my mail had been forwarded to a fraudulent address. American Express has not sent me any documentation on these accounts, nor cards for these accounts yet they continually keep establishing the gold card and the other accounts. XXXX <- Fraud. Identity theft. These accounts were applied for ONLINE. American Express did not call me to clear my Extended Fraud Alerts, In fact XXXX blocked the American Express inquiries as soon as they showed up, and they continually block subsequent inquiries. Additionally, all of these American Express Accounts were blocked with all 4 Credit Bureaus. XXXX, XXXX, XXXX, XXXX. They were all notified these American Express accounts were opened as the result of identity theft. Yet American Express when speaking to their fraud department told me they don't care because they see a verified fraud payment to the account. Which XXXX XXXX revoked and re took back. Yet American Express still says it's verified. They do not want to follow the law and do not assist with identity theft victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 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 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 {$55000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I applied for a loan to get a vehicle. I was pre- approved through XXXX XXXX XXXX but, I needed to wait until the full process when through. In the mean time I went to the car dealership XXXX XXXX XXXX in XXXX XXXX XXXX in CA to let them know that I had been pre Approved through XXXX XXXX XXXX. XXXX chief auto told me that it was fine but I need to get approved through another bank in order for them to release the vehicle in case XXXX XXXX XXXX didn't go through. I was pre-aprroved through LENTEGRITY. LENTEGRITY call me and asked if i was going through them, i told them NO, that I was going through XXXX XXXX XXXX. A few days later the process with XXXX XXXX XXXX went through and I signed the paperwork and took the check to XXXX chief auto for the car I purchase. A week later I received a letter from LENTEGRITY that I owe them {$28000.00} with the total amount due of {$560.00} by XX/XX/2023. I told them that I was NOT going through them and that I was taking another route. I never signed paper work through LENTEGRITY and now they are saying that I owe them money. 

Thank you for taking the time to read this. I really need help with this. Thank you!
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXXXXXX , XXXX. XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Checking or savings account

In my most recent communication with JP Morgan Chase, CFPB Complaint ID XXXX, the bank claims that in XXXX, we agreed to paperless statements for the account ending in XXXX. 

I am asking JP Morgan Chase to provide me with the signed documentation of this.