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

Account : unknown XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes.15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies. By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).
Product: Debt collection

Midland Credit Management Inc.has garnished my wages. ( XXXX ) I know nothing of this debt for XXXX XXXX XXXX XX/XX/2022 they have taken out this amount {$260.00}. This is not mine. Never heard of this debt .Could you please help me clear this matter up. and return my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid over {$12000.00} to this company for a service that at first was provided. Since my final payment in XXXX this company has not honored in finishing their agreement to settling 3 accounts. Once I finished my part of the arrangement and I fully paid, suddenly I became the easiest to ignore. I have called, emailed, used the webpage contact us, and my login access page. All attempts from me to contact anyone of authority to finish their side and resolve my 3 accounts have been fully ignored. I have had no success in getting this company to honor their end and finish settlements. In phone calls to this company, I have even had individuals claim they could not see details ( dates ) and even so much as they can not send me to another person for assistance ( while others can do both ). This company worked hard when I was making active payments and then I had them fully paid off in XXXX. Now conveniently since XXXX and early XXXX this company has done nothing to finish their side of the commitment and finish the resolution process on 3 accounts. Now this company not only has taken over {$12000.00} from me but they have NOT done the service I paid for, and they have worked to actively ignore me on all my communication attempts to get them to finish what they have been paid to do.
Product: Credit card

My account, ending with XXXX on the Quicksilver card, had a 0 % promotional interest rate until XX/XX/. After this promotional period ended, normal interest charges would be applied to my account. My account 's cycle ends on the XXXX of each month, with payments due on the XXXX of the following month. 

To avoid incurring any interest or late charges, I diligently paid all recurring bills totaling {$3600.00}. I understood that since the XXXX falls after the cycle ending date, it shouldnt be an issue if I paid by the payment date, as confirmed with a representative previously. However, despite this, I received an unexpected interest charge of {$74.00}. 

Upon speaking with a representative and a senior advisor, I was informed that I should have paid the full amount by XX/XX/, which was my payment date for XXXX, to avoid incurring interest. Unfortunately, this information was not clearly communicated on your card app or website. It was only stated that payment should be made by the XXXX, without specifying the repercussions of not paying by the XXXX. 

While I understand the need to adhere to the agreed-upon terms, I am puzzled by the unexpected interest charges that were not explicitly outlined in my account details. Notably, I have consistently made all payments and never missed any deadlines. Therefore, I am dismayed by these charges. I also made all recurring payments on XX/XX/XXXX before XXXX XXXX  EST to prevent any further interest accrual, considering that XX/XX/XXXX falls after the XXXX cycle ending date, which is the XXXX of each month. 

Moreover, even if I have to pay the interest, what I am struggling to understand is that I'm required to pay the full 30-day amount of interest. Considering my promotional ending date was the XXXX and between the payment date of the XXXX, there were only three weeks where charges were incurred, not the entire 30-day period. Therefore, I kindly request a thorough investigation into this matter.
Product: Credit reporting

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with Experian, XXXX, and XXXX for almost XXXX years. I now know why there is a XXXX filed against Experian, XXXX, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone but couldn't get thru. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit card

I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone in my situation? I know about 2 years ago the CFPB found GE Capital Retail Bank/Synchrony Bank, Case XXXX, in violation of certain consumer protection acts. Any advice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the XXXX of XXXX and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Credit Report Dispute - Improper Reinvestigation and Violation of FCRA Rights Dear Equifax, I am writing to dispute the accuracy of the information on my credit report, specifically regarding two accounts : XXXX XXXX XXXX I believe that these accounts should be removed from my credit report due to improper reinvestigation, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a dispute regarding these accounts, and according to the FCRA, you are required to conduct a reasonable reinvestigation to ensure the accuracy of the information. However, I have reason to believe that the reinvestigation conducted was not thorough and did not comply with the FCRA guidelines. 

I have carefully reviewed the reinvestigation results provided by your agency, and I have identified several discrepancies and violations of my rights. These include : 1. Lack of Sufficient Investigation : The reinvestigation conducted by Equifax failed to provide a comprehensive review of the disputed accounts. The information provided in the reinvestigation response was incomplete and did not address all the concerns raised in my initial dispute. 

2. Failure to Verify Accuracy : Equifax did not provide any evidence to verify the accuracy of the disputed accounts. As a consumer, I have the right to receive accurate and complete information about my credit history, and it is your responsibility to ensure that the information reported is verified and correct. 

3. Violation of FCRA Rights : By failing to conduct a proper reinvestigation and provide accurate information, Equifax has violated my rights under the FCRA. I expect Equifax to adhere to the guidelines set forth by the FCRA and take the necessary steps to rectify this situation promptly. 

Based on the above-mentioned violations, I kindly request that you remove the accounts XXXX XXXX XXXX  from my credit report. I also request that you provide me with a revised copy of my credit report reflecting the accurate and updated information. 

Please consider this letter as a formal dispute under the provisions of the FCRA. I expect a prompt investigation and resolution of this matter within the legally required timeframe of 30 days. If necessary, I am prepared to take further action to protect my rights as a consumer. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the FCRA guidelines. Should you require any additional information, please do not hesitate to contact me at the address or phone number provided. 

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

XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are r
eporting to XXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to Experian I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to Experian last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.
Product: Credit card or prepaid card

On XX/XX/XXXX I received multiple calls from Citi bank about suspicious activity on my account and that I needed to call them to verify charges made. I called them and confirmed that my account was compromised and that the card needed to be destroyed and new ones issues. I spoke to 3 different people who assured me that the account was locked and new cards were going to be sent my way and I would receive them in 3 days. I reviewed my account today XX/XX/XXXX and more charges were made. I immediately called Citi and I spoke to another person who confirmed that the card was not cancelled and that in fact nothing had been done. At this point I was livid as I spent over an hour handling this with the agents and nothing was done. She then told me she also couldnt do anything and that a manager needed to call me in about 24 hours. No call has been received and my account is still compromised and nothing has been done to prevent further fraud on my account. This has been failure after failure in account security and regulation Z of the federal reserve board violation.
Product: Debt collection

I have received a notice about my credit report with a debt on there that did not look right. Tried to call the company and speak to them directly and the phone number provide is no longer in service. I would like to get this removed and investigated.
Product: Debt collection

This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. HSBC has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to HSBC, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from HSBC to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXX or XX/XX/XXXX. And XXXX XXXX who took over HSBC verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
Product: Checking or savings account

I opened a XXXX XXXX XXXX last XXXX. We used we pay for a couple big transactions from new customers. We pay closed our account due to high risk and has been holding XXXX of dollars since last XXXX. The problem is Im still in debt from these funds because I only made around {$300.00} profit from that sale. And I had to invest with my own money, this closure actually made my business fail directly and I still have no received my money from it. They have refused to mail me a check and said it must be wire transferred. I successfully did the whole process for the wire transfer then after weeks of waiting they saidit was rejected and to resubmit it so I have to resubmit a wire transfer form and wait for a confirmation phone call from accounting which could happen at any day any time apparently. I told them, HERE IS MY WORK SCHEDULE. I told them my exact work schedule and to please call within these times. Just today XXXX accounting tried to call me XXXX XXXX  in the middle of my shift. And now no responses via email, and XXXX has XXXX way to speak via phone call unless they call you. They are holding my money hostage
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score is not updating correctly to match Experian and XXXX data. My Experian Score is XXXX, and my XXXX is XXXX. Because of this, my XXXX isn't even close to correct. 

It is multi-party credit reporting fraud accidentally it would seem, but it's so enduring it's starting to seem targeting and it is really fraudulently damaging my credit rating and ability to receive loans. 

I am prevented of communications at times at it becomes mail fraud and communications fraud it seems. But this is credit reporting obviously of two extremely fraudulent activities targeting my personal identity and ability to receive credit. 

Please also contact XXXX and explain to her this is damaging my credit and ability to receive credit extremely fraudulently and is a war crime in progress and should be covered under my identity theft coverage with Experian and XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report i noticed a few accounts that didn't belong to me. 
I've never heard of these companies nor have i ever given them my information. 
Here are the accounts below : 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  Opened : N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, equifax and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7400.00}
Product: Debt collection

XXXX years or XXXX year back I saw " XXXX XXXX '' was charging my credit card. I called the ph # that was provided and got no response from them. I tried to call them, my bank tried to call them when they started charging monthly amounts but they never communicated or confirmed with me as their member.. My bank cancelled the payments that was taken from my credit card account after verifying the details.. 

I received a letter few days back dated XXXX XXXX saying I am delinquent to an unknown XXXX XXXX  " XXXX XXXX '' ... I called the Debt collector " Aldous & Associates, P.L.L.C '' in XXXX I never used XXXX XXXX facilities or signed any contract. I asked them to send me the evidence that I used their facilities but instead of giving me chance to prove what they're saying is absurd they asked me to contact someone to get that information which I feel some kind of cheating in my view.. It was them ( Debt collector ) who sent me letter on delinquency on an unknown XXXX  XXXX.. If I used their service then they ( XXXX XXXX ) should have contacted me but no one called me till now..
Product: Credit reporting, credit repair services, or other personal consumer reports

looking to purchase a home and I noticed inaccurate and fraudulent information on my credit report. i have asked each credit bureau to remove all information not belonging to me and or not authorized by me and the information is still within my report, with no such verification and or documentation granting authorization by me. I am hereby asking each credit bureau to remove all inquiries and all negative reporting info that doesnt belong to me.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2021 I purchased a vehicle through XXXX XXXX  and funds were secured by Escrow.com. The seller told me there was nothing wrong with the vehicle and I could not get a mechanic out to inspect due to covid-19. On the XXXX of XXXX, 2021 after paying XXXX and XXXX to ship on the same day I had it inspected and found out the motor was going out and the axle was broken. As I contacted the police and did a report since the vehicle came from XXXX and demanded the seller come and get his vehicle. The seller kept saying he would have a tow truck come and get it but he had to have a broker to do so. I sent Escrow.Com General Manager XXXX documentation to support fraud including invoices from XXXX of the condition of the vehicle. Despite vehicle causing me financial hardship Escrow held my money and told me to send the vehicle back on my money ( normal policy without fraud ). Escrow told the seller he did not have to do anything due to 10 days he will be given my money. Because the seller kept telling Escrow he wanted his vehicle and may no effort and they had full knowledge the seller failed to disclose the true condition of the vehicle, he was given my XXXX and I am left with a vehicle that is hazardous.