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

We took out a loan to purchase the lease. The money was sent to Mercedes financial and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
Product: Mortgage

( i ) Home refinance loan applied on XX/XX/2020. 
( ii ) Citibank requested {$1000.00} up front fees on XX/XX/2020. 
( iii ) Borrower paid fees on XX/XX/2020. 
( iv ) Citibak delayed process, loan not provided, borrower forced to withdrawal application. 
( v ) Borrower on XX/XX/2020 asked for the refund of the {$1000.00} fee ; ( vi ) Borrower application expenses totaled {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused me
Product: Debt collection

Credit collection services wrote indicated they could not dispute the filing of a debt on my credit report due to lack of information
Product: Debt collection

I enrolled in school 7 years ago under a military program where the military was paying for my school and student loans. I had an issue in my private life and the school said I would no longer qualify for licensing in that field once I graduated and dismissed me from the class even though I was eager to participate. I was denied the opportunity to complete the class. I found out later this information was incorrect. The school completely misinformed me and stopped me from completing the class. In addition to these issues US Dept of education is duplicating the accounts several times on my credit report and all are inaccurate. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ) says this is against the law. Several times I attempted to discuss this with them, submit paperwork to them ( only for them to claim they never got it ). 
They are willfully, erroneously, and intentionally damaging my credit and my ability to obtain decent housing. This is a violation of FCRA as demonstrated by US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. They continue to refuse to correct this which is a violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My account balances are not reporting correctly on a few of my accounts in my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX DEPT OF EDUCATION/XXXX  Balance {$3500.00} Acct # XXXX DEPT OF EDUCATION/XXXX  BALANCE {$6600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$2900.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1300.00} Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX and Transunion reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX also refused to fix it even when I submitted documentation proving it had been paid off.
Product: Checking or savings account

I having this problem with Chase, 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: Money transfer, virtual currency, or money service

Cash App XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX Subject : XXXX XXXX error ( Scam Alert ) Dear Sir or Madam : Letter sent to Cash App : Attached is a copy of the XXXX for tax year XXXX that was issued to us by Cash App. We have spoken to XXXX XXXX, and they indicated this error was conducted by Cash App. We called Cash App and were told that we did not have an account ; yet XXXX stated this document came from Cash App. 

We did not receive any gross payments of payment cards or third-party network transactions. This XXXX was issued to us in error. Please reissue a corrected XXXX showing XXXX amounts. We will be contacting the IRS and the Consumer Financial Protection Bureau regarding this matter if you do not kindly correct your records as soon as possible. This appears to be a scam and is quite disturbing. 

If you have any questions, please contact us ( and as indicated we have already talked to your representative on XX/XX/XXXX. Thank you in advance for your courtesy in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to TransUnion and XXXX  in regards to an account XXXX  XXXX  XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that all " debts '' or " contract bonds/notes '' are PRE-PAID at the time of issuance of these contracts, by my UNITED STATES OF AMERICA 'S corporate/commerce entity 's ( which I am the authorized representative/beneficiary to ) XXXX XXXX XXXX XXXX- held in the federal reserve bank. I have notified these DEBTOR companies of their fraudulent claims and reports, that they are misrepresenting the contract TERMS, by definition, who is to " pay '' these debts and whose CREDIT it is GRANTED by. My personal signature, or agreement in allowing access to the trust by providing the SSN, is assured by the Securities in TRUST, and is granted unlimited credit- without pre-judice or discrimination. This complaint is in accordance to UCC and USC codes pertaining to the above mentioned. 

DONE IN GOOD FAITH- ALL RIGHTS RESERVED- GIVEN FOR PATENT RIGHT : XXXX : of the family name XXXX, formally from the XXXX family Authorized representative to the " XXXX XXXX aka ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all other derivatives of these names- accounts.
Product: Student loan

I kept getting a statement and letter from this service, even though I have already asked them numerous times ( registered mails-to make sure they received my requests ), to please send me proof of the original contract, itemized, not a disbursement copy with my original signature on it. But this " Heartland ECSI '' with their account, " Covid-19, XXXXXXXX '' is completely ignoring my requests, instead, I kept getting notifications of payments with interest accumulation monthly. And also, this company kept sending this notice of payment to the wrong address. so, the resident of this address is literally upset and had already yelled at me because they thought that I have not changed my mailing address yet? Its been months, since I changed my mailing address ( XXXX of 2019 ) This situation is putting me on XXXX. The XXXX of the Corona Virus is enough for me to handle. 
I don't know what to do? Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my EXPERIAN AND XXXX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXXAccount NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date OpenedXXXX StatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XX/XX/XXXX Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 






I also have supporting documents related to this issue the complaint page will not let me upload onto this complaint which are : The fraud report that i filed, and my drivers license to verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

The Gramm-Leach-Bliley Act ( GLBA ) requires consumer financial products, such as loan services or investment-advice services, to explain how they share data, as well as the customer 's right to opt out I choose to OPT-OUT of the services you provide to share my consumer data with All credit bureaus Trans Union, XXXX, XXXX XXXX XXXX
Product: Credit reporting

Transunion has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.
Product: Checking or savings account

I filed a dispute with the company for a v fraudulent charge over a month ago. I haven't heade a single word from them since
Product: Credit card or prepaid card

Dear CFPB, This complaint concerns Barclaycard 's refusal to satisfactorily resolve fraudulent charges that were made to my credit card account in XXXX and XX/XX/2017. I have attached the letter that I sent to Barclaycard to describe the issue and to request resolution. Instead, Barclaycard has hounded me for the past year, plus.. When I refused to pay the fraudulent charges, Barclaycard reported me to the credit reporting agencies as having a delinquent account. This was after I had closed the account. It has lowered my credit score from over 750 to under 680, which has cost me addiitonal financing costs due to the lower credit score. Still unsatisfied, Barclaycard has now threatened to file a lawsuit against me. Please make them stop! 

Here is what happened : I logged on to the Barclaycard web site in late XX/XX/2017 to make my regularly scheduled payment on my promotional balance. I had opened the Barclaycard as a promotional card to purchase two XXXX computers. For that, I was promised special financing in doing so. There were no other authorized charges on the Account. Thus, I was shocked and horrified to find thousands of dollars of charges over XXXX charges to XXXX XXXX. I immediately called Barclaycard and reported the charges as fraudulent. I recall the Barclaycard representative accessing the Account, reviewing the charges, and agreeing that they looked fraudulent based on my usage history. That same day, I went to the Barclaycard web site, filed a written report to the same effect, and paid the remaining authorized balance. Shortly thereafter, Barclaycard closed the Account and I lost access to the all of the charges. I received a letter from Barclaycard dated XX/XX/2017 and assumed Barclaycard had attended to investigating and resolving the matter. 

Sometime later, in XX/XX/2017, I began to receive robo calls from Barclaycard. I spoke with XXXX of Barclaycards Fraud Investigation team on XX/XX/2017. I reported the fraudulent charges to XXXX, and he assured me that he would get the matter concluded. Then I received another letter from Barclaycard dated XX/XX/2017, concerned some account ending in XXXX ( the Unauthorized Account ). I have never applied for the Unauthorized Account nor do I have any knowledge of how it came to be or how there has come to be a balance of XXXX. Since I received the XX/XX/2017 letter, however, I began to receive a daily barrage of robo calls notifying me of a balance due. Each time that I returned the calls, the customer service representative would tell me they were authorized to do one and only one thing take payments. They refused to discuss the charges, reported that they lack access to information in Barclays computer systems about them, and were unable to transfer the call to anyone who can. 

Again, all the representatives of Barclaycard said they could do was to take payments. I would like barclaycard to stop collection activity, close my account, and send a report to the credit reporting agencies that restores my credit rating to what it was before Barclaycard damaged it.
Product: Credit card or prepaid card

On Friday XX/XX/2023, I was approved for a Macys Card online. After calling into XXXX XXXX XXXX I was told again by a supervisor on a recorded line that the Macys Card was approved. Then I asked her what was the credit line the Macys Card was approved for, and she told me it was approved for {$3000.00}. I asked her twice. The first time I could not hear her. Please go back and listen to the recorded call. Today ( Saturday XX/XX/2023 ) I call to place an order and they tell me that the credit line was only approved for {$500.00}. Was I lied to by the Macys Credit Supervisor? The supervisor knows she told me {$3000.00}, why would she not call me back or send an email or text or phone call and let me know that she lied and its only {$500.00}? What a way to treat your new card holder! Why the misinformation / disinformation? Where can I get accurate information from Macys? Is this what it is to look forward to from Macys? Please listen to the recorded call. Please make this make sense.
Product: Credit card or prepaid card

Well for one thing I've try a couple times to see if I can have my interest rate lower on my Wells Fargo Visa Card only to be rejected or given the round around game. 

Also to my Wells Fargo checking account was hacked too in XXXX loosing between {$12000.00} to {$8000.00} Wells Fargo never send me a copy statement of what was recovered nor a reimbursement of of my missing money. 

I stop pursuing the case since I don't worship money and money can always be replaced. But if I could get justice and closure from the CFPB that would be grate if not then it's either way I would be OK.
Product: Credit reporting or other personal consumer reports

I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone. 


To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, Experian and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. 
Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. 
Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion flagged my account with " XXXXSerious Delinquency '', when I do not have any accounts late and never had. 

Credit Report from TransUnion shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.
Product: Debt collection

The price went from XXXX to XXXX the representative XXXX told me to find new insurance and she don't blame me because it is a lot she suggested two other insurance companies.. XXXX advised me she would cancel my car insurance on XX/XX/2022 before the insurance was due since I found another company.. then I received a bill for XXXX which is not mine because XXXX stated it was XXXX on XX/XX/XXXX XXXX I still had the house insurance even though they charge me double the amount to get. It on a payment schedule. Again this is not my bill your representative stated it was cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.
Product: Debt or credit management

I enrolled in this predatory program without fully understanding what I was getting into. I was rushed though a multi-page document online which I did not fully understand. After making XXXX payments into my account of {$440.00} totaling {$1300.00}. Beyond Financial took {$1100.00} of that money in upfront fees. They only made XXXX payment on a XXXX XXXX XXXX. They said they would start debt settlements and making payments once enough money was accrued in my account. That means all credit card accounts with them go into default and accrue more interest. This company charges the large sum of XXXX per-cent of the original debt to service their fees. Fees must be paid before anything else starts to get even paid. This program used a slick sales agent ( XXXX ) to sell me something I did not fully understand, and would have never agreed to. This is a predatory program that once you get into you will be in worse shape than when you stated it. I lost {$1100.00} in FEES with them and now have to deal with all the debts they deceptively said they would settle.
Product: Debt collection

My identity was stolen and electric accounts have been open in my name in places that I have never lived
Product: Debt collection

at the time the situation occured i was not aware of the finaicial burden it was going to create for my life and for my credit now i am homeless and not finiacilstable to pay this collection that has rising XXXX up for the debt