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

iThe problem is with XXXX XXXX XXXX XXXX reporting false, misleading and inaccurate information. Reporting accounts as delinquent when they in fact received payments. My payments were due on the XXXX of each Month, late fee added if payment was not received by the XXXX of the following Month. Proof of payments received to follow XXXX XXXX continues to violate my rights according to the Fair Credit Reporting Act despite repeated request to correct the issue! 

Please note that late fees were subtracted on XXXX and XX/XX/XXXX because payments were in fact received as agreed yet XXXX  reported payment as 30,60 and 90 days past due. Reporting an account as delinquent implies that this creditor has not received a payment when you will see that they actually did Called to speak directly with a representative XXXX XXXX at XXXX XXXX at the Office of the President @ XXXX XXXX,  unable to communicate with him. Please be advised that this is the 2nd complaint to the CFPB, XXXX XXXX stated XXXX  did not receive a XXXX payment, they in fact did on XX/XX/XXXX ( within 30 day grace period ) After payment was applied on XX/XX/XXXX the balance of this account was {$450.00}. Could not send the entire amount therefore a payment of {$240.00} was sent with a final payment of {$210.00} on XX/XX/2019. Yet XXXX  reported this account as delinquent implying NO payment was made or received. 

The also reported " pays as agrees '' in XXXX  2019 then 60 days past due the following Month/ XXXX. XXXX to XXXX is 30 days! XXXX to XXXX was reported as 90 days past due when the account was actually PAID IN FULL on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in disputes to experian regarding inaccuracies on my credit report and they refused to investigate because it did not seem to be sent directly by me This is a stall tactic by the credit bureau to not process disputes because they do not have the manning to do so, which is Illegal practice and they continue to do this to thousands of people every day, even after losing a lawsuit for this very reason for the amount of XXXX XXXX dollars. 
I sent a photo of my ID to prove it was in fact me sending these legitimate disputes. As well as my social security card and a utility bill. WHO ELSE WOULD HAVE THIS SENSITIVE INFORMATION OF MINES? I am the author of any letters experian receives with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a power of attorney in order to delay processing letters from consumers. I also had this written on my letters
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, after personally tracking my student loans down because as I was informed, they were sold to several different companies. In that time, the loans either went into default or into collections. At any rate, after several attempts in talking with Transworld system who I was repeated told had my loans although they could not locate them for at least 2 months of which I continually inquired about them. 

Finally in XX/XX/XXXX, someone was able to locate the loans and I responsibly set concurring payments on my student loan account with the collection agency, Transworld system. From XX/XX/XXXX, I have made consecutive payments through automatic drafts, and in that time up until this date XX/XX/XXXX, this account continues to show delinquent on my credit report. When I was first turned down for a loan, I called Transworld to inquire about the credit reporting and a representative faxed me correspondence showing that I was not delinquent, which was accepted by the lender however, it has never been updated on my credit report. 

Just recently, I contacted Transworld to inquire about the reporting and was informed that even though my payments are secured, the reporting will show delinquent until the loan is paid off. I was told in the past by the representative that furnished my the correspondence to send to the lender that because my credit agreement is being satisfied, she did not understand why it was being reported delinquent. 

This is indeed by question as well. Is there not a way to show that the terms of my agreement are being met? Can someone please assist me in resolving this matter?. 
I have attached the correspondence that details my agreement and will supply any other necessary documentation to show these payments are drafted automatically from the account listed on the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple of years, I had Experian credit monitoring service at {$24.00} per month. I decided I no longer wanted the service. On XX/XX/19, I called and cancelled. I was assured I would no longer be charged. I continued to be charged in XXXX, XXXX and XXXX. In late XXXX, I disputed the XXXX and XXXX charges with my credit card, who refunded those amounts. I also called Experian to again in XXXX to confirm my previous cancellation. I spent about an hour, talking to 4 different people, who at times either told me my account was in fact cancelled, or tried to tell me that I had a " different '' Experian account. Each person I talked to, however, could not provide me with a valid, current account number or a person to actually speak with to confirm whatever account I still allegedly have open.
Product: Checking or savings account

Chase locked my debit card without telling me causing a hardship. I was unable to get or use my funds and was late to work due to this issue
Product: Student loan

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Checking or savings account

Truist bank is holding there own funds in the bank which is abuse and unfair and I need to access funds to pay my bills tomorrow or I might get evicted from my home
Product: Payday loan, title loan, or personal loan

Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Business Information LendingClub Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Advertising Issues Problem description : In XX/XX/XXXX of this year Lending Club sent me a letter which contained fake checks for {$5000.00}, {$10000.00} and {$20000.00} in my name. The letter told me that I was Pre-Approved for any of those amounts. I ignored them. Then in XX/XX/XXXX my air conditioner failed and was quoted a new one for {$9600.00}. I called Lending Club about their offer and asked them if it was still valid. They said it was then I asked for a loan of {$10000.00}. I was told that I really only qualified for {$2000.00} at an interest rate of about 26 %. They told me that Pre-Approved does not mean Pre-Approved. What it really means is that I can apply for a loan to see how much I actually qualify for.
Product: Debt collection

I've spoken with a representative from Eastern Account systems and they have not provide the purchase agreement. Their request for me to go back to the company they bought the debt from is not acceptable when they are reporting fraudulent information to all XXXX credit bureaus. I requested this information on XX/XX/year> and I have not received anything but a link to the original company that started the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written request to Equifax, XXXX XXXX, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to Equifax. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.
Product: Payday loan, title loan, or personal loan

In XX/XX/2019, I had a new roof installed on my home.  The cost was $XXXX and the financing was initially secured with Service Finance Company LLC.  S.F.C. home base of operations is in Florida, which added to my difficulty in them receiving my payoff checks  for some reason, but my inital payment paid on XX/XX/19 check number XXXX for $XXXX was received and posted ok to my account.  But, when I tried to pay off the loan balance by phone on XX/XX/19 in the amount of $XXXX via A.C.H. payment the payment was supposedly rejected, with a confirmation # of XXXX. S.F.C. states their representative entered the checking account information correctly, and my checking account information was verified the routing and account number used were correct.  They don't know what happened, this checking account is associated with a line of credit with plenty of balance to handle the $XXXX payoff.  So after discovering this on XX/XX/19, I mailed a check to their XXXX XXXX XXXX in XXXX, Ohio, per their statement and instructions.  This check was in the amount of $XXXX dated and mailed out XX/XX/19 check # XXXX.  On XX/XX/19 I discovered that this check according to S.F.C. had not been received in XXXX, I later found this to be untrue, by letter from my Bank dated XXXX stating they had attempted to cash check XXXX but due to the stop payment I placed the payment was rejected.  On XX/XX/19 I went to the bank and ordered another check.  I then mailed to SFC check number XXXX   on XX/XX/19 in the amount of $XXXX per their instructions to compensate for additional interest, approximately $XXXX per day.  I paid for a certified mail receipt on XX/XX/19 and I learned that SFC received this payment check #XXXX on XX/XX/19 at XXXX XXXX. but the payment was not processed until Monday XX/XX/19.  I shared this tracking information with SFC.  SFC corporate address as far as I know is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX phone XXXX, fax XXXXAfter several phone calls to SFC, and requesting to be refunded $XXXX   which is the difference between check number XXXX   $XXXX-$XXXX check # XXXX, SFC denied my request and informed me their was a $XXXX balance on my account.  They did credit me the $XXXX (approximately, no statement sent to me).  After careful consideration, I have decided to ask the CFPB to investigate this transaction.  I would like a full refund now that extends back to the balance of my loan on XX/XX/19 which was $XXXX subtract my final payment of $XXXX=$XXXX.  However, I would be somewhat content with $XXXX as stated above.  I feel that SFC used predatory loan practices in processing my payoff amounts in an obvious attempt to postpone payments as to keep interest accruing on my loan balance, due to the fact that they told me they did not receive check # XXXX $XXXX at their P.O. Box in XXXX, Ohio, when in fact SFC did receive the check someday before XX/XX/19, as I can prove by the letter dated XX/XX/19 sent to me by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Toyota Motor Credit account is reporting delinquent, but I am current and have never been delinquent on this account with Toyota Motor Credit. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.
Product: Debt collection

I applied for the XXXX program, which is a discount program on certain traffic tickets that qualify. This program is offered by the collection agency GC Services. GC Services has been extremely deceptive the entire time I have been in communication with them. Multiple of the representatives I have spoken to told me I had a warrant out for my arrest from XXXX XXXX traffic court. I checked with the criminal and traffic divisions of the XXXX Courts, they advised me I NEVER had a warrant. I told GC Services what the courts told me, and at that point I was advised by XXXX XXXX it would take up to 21 business days for them to receive the information they needed from the courts showing I had no warrant in order to receive the discount. I called and checked the status once a week while waiting the 21 business days, just in case they received the information sooner. As the 21 days was coming to an end and GC Services still did n't have any information, I asked what would happen if they did n't receive the information they needed within the 21 days they initially said it would take. GC Services advised me that I would " just have to wait until they get the information and now there 's no definite timeline ''. I tried asking if I could contact the courts to get the information they were looking for, XXXX XXXX 's response was " that department does not communicate with anybody outside of the courts and GC Services ''. So at this point, not only have they lied, refused to let me listen to prior phone conversations between myself and GC Services ( to clear up other lies they 've told ), and refused to review the documents XXXX XXXX Courts gave me stating I have no warrants, they still have not received the documents they need in order for me to receive the discount that I definitely qualify for. Their 21 business day timeframe has passed.
Product: Vehicle loan or lease

Car was vandalized police didn't give me the option to keep the car or to have them tow it. They towed it. The person who vandalized the car was not charged. Now it is being reported at a false amount and as an open account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. The CRA also known as Equifax mailed us a report that our payments from XXXX XXXX XXXX are late. We never gave consent to this service nor to XXXX XXXX XXXX the ability to report late payments without our consent. Both parties need to send me a XXXX XXXX, in order to produce or assemble any of my information. They began reporting late payments in XXXX, 2022 through XXXX, 2022. Each monthly payment of {$510.00}. Also, Since I never gave written XXXX form or other authorization means, this should also fall into fraudulent activity. 

15 U.S. Code 1681b Permissible purpose of consumer reports Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or 3486 of title 18. 

XXXX XXXX contract is being cancelled by my lawyers at XXXX XXXX XXXX XXXX XXXX. They are being cancelled for many reasons, one of them is misrepresentation of the product.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I notice I had some fraudulent account in my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Debt collection

This company identifies themselves as XXXX XXXX. They are calling me from a number with a North Carolina area code.  I called the number to find out who they are.  The number they call from is XXXX.  They have called my mom (who has an NC number) and when she asked who they were, they were verbally abusive to her and hung up on her several times.  I called them and when I asked them what type of business they were and who they were collecting for, she told me that I was talking too much and to shut up. I then hung up the phone. She called back and demanded that I make payment over the phone but never communicated with me who she was, what company she was with, who the original creditor was (if there is a legitimate debt), and any other info.  This is a fake debt collector who is trying to get you to pay over the phone without providing any information.
Product: Debt collection

After carefully checking my latest credit report, I identified several accounts that seem to be inaccurate and were included without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquires on my credit report that I did not authorize and am listing them as follows : 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. These companies were not authorize nor was I extended any credit for these inquires.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have previously disputed several accounts with the credit bureau for inaccurate reporting and because I had no knowledge of these accounts appearing on my credit report. Despite this, the credit bureau sent me a report stating that these accounts were verified. However, I have already disputed these same accounts through the CFPB, and none of them were able to verify the debt. I am confused as to how the credit bureau can now claim that the accounts have been verified. 

Given the credit bureau 's incompetence in handling this matter, I am requesting a thorough investigation. I have attached copies of my FTC report, a police report, my identification, and proof of address to support my case. Before I proceed with seeking legal representation against the credit bureau, I want this matter resolved properly. 

Below is a list of the accounts I believe to be fraudulent and in violation : XXXX XXXX Account Number : XXXX Amount : {$1900.00} XXXX XXXX  XXXX Account Number : XXXX Amount : {$170.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Amount : {$1600.00} XXXX Account Number : XXXX Amount : {$780.00} XXXX XXXX Account Number : XXXX Amount : {$500.00} And the following : Company/Organization : XXXX Account XXXX : XXXX Amount : {$290.00} 2. Company/Organization : XXXX Account XXXX : XXXX Amount : {$590.00} 3. Company/Organization : XXXX XXXX Account XXXX : XXXX Amount : $ {$110.00} 4. Company/Organization : XXXX XXXX XXXX Account Number : XXXX Amount : {$220.00} 5. Company/Organization : XXXX XXXX Account Number : XXXX Amount : {$310.00} I am looking forward to a proper resolution to this issue.
Product: Credit reporting or other personal consumer reports

There are XXXX incorrect fraudulent and unathorized hard inquiries on my credit report. 

Milestone Inquiry date : XXXX XXXX Milestone Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX : Inquiry XX/XX/XXXX XXXX XXXXXXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with milestone so there would not have been a need for me to apply for more, plus my XXXX XXXX was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX  " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.