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

Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX  new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Product: Debt collection

i had a car loan with thrift investment in 2014 the car was deemed a total lost the car was damaged beyound repairs in an accident the insurance company sent a check for XXXX to the balance of XXXX and i was charged off the balance because the dealership didn't place me with the gap insurance i had no knowledge of no gap or any balance owed nor was i able to dispute or validate the debt prior to being charger off to my credit report once placed on my report i have made many attempts to remove the debt and or work it out with thrift with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I disputed an account with EXPERIAN regarding XXXXXXXX XXXX XXXX  and the account came back inaccurate and incomplete, on XX/XX/2024, I disputed the account demanding its removal, and again a reinvestigation took place, and it came back incomplete and inaccurate. On XX/XX/2024, I further demanded the removal of the account, a reinvestigation took place, and it returned to me inaccurate and incomplete. Each time I have disputed these accounts, The account comes back the same, and the account is reinvestigated and updated within a very short period of time. Honestly, I don't believe EXPERIAN is conducting real investigations regarding this account. It continues to come back verified or updated as it remains incomplete and inaccurate. As of XX/XX/2024, this makes the XXXX time I have disputed this account. EXPERIAN is in violation of the Fair Credit Reporting Act 15 USC 1681e ( b ). For each dispute I have provided great detail as to what is wrong with the account, yet they continue to verify as updated or accurate and they have been verifying missing payments I have made that have been notated as " No Data '', and late payments where there is a random 90 late payment being reported. How can a person start off 90 days late?? Late payments progress every 30 days start at a 30-day late payment. This company has been verifying false and incomplete information repeatedly over the course of 5 months and have not removed the account as demanded based on their failure to report accurate information. They keep adjusting things on the account rather than fix the issue. They are stalling, ruining my credit report, damaging my reputation, and adversely affecting my livelihood. The have been in violation of the Fair Credit Reporting Act for more the 4 months and I do not have the money to sue them right now. This account needs to be deleted immediately!
Product: Credit reporting or other personal consumer reports

There is an address on my credit report XXXX XXXX XXXX in XXXX PA. I have never even been here. 
Im scared that Im a victim of identity theft because there are also a lot of new inquiries on my credit reports that I didnt do.
Product: Credit reporting or other personal consumer reports

Received three alerts on Friday XX/XX/year> that there were three hard inquiries on my credit file from XXXX XXXX XXXX First Tech FCUXXXX XXXX XXXX XXXX and when I checked my credit file, I saw all three and I also saw another fraudulent/identity theft inquiry from XXXX XXXX XXXX XXXX After seeing the email of the unauthorized credit pulls, I immediately reached out to file a fraud alert on all my accounts.
Product: Credit card

RE : Uplift , Inc. 
Loan # XXXX I sold some property, and the Title Company sent Uplift , Inc. ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) a payoff for my loan ( account number XXXX ) with Uplift from the proceeds of the sale of the property. The Title Company sent a check in the amount of {$550.00} which created a credit balance of {$58.00} on my account with Uplift. On Tuesday, XXXX XXXX, the date Uplift received the payoff check, they ( Uplift ) sent me an email stating that they received the payoff check and there was a credit balance of {$58.00} on my account. The email went on to say that they would issue the refund check back to the Title Company and that they would not send me the refund check. I called Uplift ( XXXX ) and spoke with several representatives. I was told that it is their company policy to send any refund to whoever wrote the payoff check and that they would not send the refund to me. 

After several additional calls to Uplift, I finally received a call back from a supervisor named XXXX. XXXX again gave me the same response that all of the other representatives gave me and restated that it is their company policy only to issue refunds to whoever wrote the check, not the actual account holder. She finally agreed that if the Title Company sends them an email giving them permission to send the refund check to me the Uplift account management team would review that request and consider sending me the refund check.

In speaking with the Title Company, they advised me that they are starting to see this tactic from banks who are in financial stress as an effort to keep customer money in their accounts. They advised me that when this has happened in the past checks are mailed to them with no customer information and that it can take them months to figure out who the refund belongs to. In the meantime, these checks remain uncashed or are never cashed so the banks like Uplift retain these funds. 

I am asking for your assistance in addressing this concern. 

Sincerely, XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Home Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX
Product: Mortgage

I received a letter in the mail that showed that I might be eligible to lower my house payment, so I contacted the number on the letter and spoke to an agent, XXXX XXXX on XXXX. I initially wanted to roll XXXX loans into XXXX, essentially having XXXX big payment but unfortunately I was unable to do so and XXXX advised me to use the payment from XXXX and XXXX towards my car loan. ( He told me that he would be able to close on my house by XXXX and my XXXX and XXXX payment would be rolled pretty much to the end of my loan. ) After sending all the requested documentation, I was under the impression that everything was handled and taken care of. I was advised by XXXX to stop my monthly payment in XXXX. XXXX I started to get calls from Pacific Union regarding my account. I called XXXX and he said to ignore them, that they were just needing my husband 's information to close on my account ( to show his proof of income. ) I sent him the documentation within hours of him requesting it and went on about my business. XXXX rolls around and I answered a call from Pacific Union. I told the representative that I am refinancing my house and it all should 've been taken care of. I called XXXX and he said that he was unable to close due to some issues ( HE DID NOT BOTHER TO CALL TO TELL ME THIS ) and he said not to worry he is going to fix this. The next day, XXXX calls me back and tells me to make my XXXX house payment. It was already after the XXXX. I do not have that money because I was under the impression that I was able to skip my XXXX CONSECUTIVE HOUSE PAYMENTS so I do not have the money needed. He said that he is going to try to close my house by the end of the week. Since XXXX XXXX he has not called to update me nor inform me as to what is going on with my account. I am now two months behind on my house payment, in a financial hardship, physically stressed out over this whole situation and very upset with the service I have received. I am currently XXXX and have a lot on my plate at work so to have someone tell me that they were going to take care of me and have that all been a lie, it is really upsetting. I am seeking guidance in this situation. I want someone to please explain how XXXX XXXX is able to mess customers credit up by essentially painting a picture and having it all be false hope. I made XXXX consecutive payments and am trying to repair my credit and now I have to scramble to see how I am able to come up with some money to pay towards my house until I get paid again in XXXX. I tried reaching a Supervisor in the loan department and have been unsuccessful and the only number that anyone seems to have is XXXX XXXX 's voicemail number.
Product: Debt collection

They are charging me some credit card charges and from a company called XXXX, where I am not responsible since they robbed me and I made the police report, they stole my ID, my cards and some cash
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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 by reporting information with actual knowledge of even the slightest chance of errors. 
15 USC 1681 Section 602a states that I have the right to privacy. Ford Motor Credit has violated my rights. 
15 USC 1681 sec. 604a sec.2 : says a Consumer Reporting Agency can not furnish my account without my written instruction. I never gave my permission for this to be made public. 
15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Ford Motor Credit is showing that I have five late payments. None of this is true. 
15 USC 1681c 2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person knows or has Reasonable Cause to believe that the information is inaccurate. I have notified Ford Motor Credit and the three major trade bureaus that this account belonged to my father, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

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 Adjusters ) # XXXX, XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 by 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 consumer 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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD XXXX
Product: Student loan

I spoke to a representative on XX/XX/XXXX and requested that they do not call me during business hours, which is my right as a consumer to do. I then emailed the company to request the same. Today, XX/XX/XXXX UHEAA violated my rights by calling during business hours. 

I have already mailed the forms needed for my loan to be reassessed, at this point this is harassment and a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below, as well as any related inquiries, be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a recent data breach. 
Below are the accounts and inquiries I request to be deleted and blocked : 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 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 or other personal consumer reports

Remove these inquiries, please. I lack any knowledge of this and the company did it without my authorization.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX while applying for a mortgage my lender informed me of a previously disputed collection found on my credit from XXXX. Upon reviewing my credit file, I noticed a new collection placed XX/XX/XXXX from XXXX on my credit report with myself as a co-borrower associated with XXXX XXXX, which was inaccurate. 

To begin, Ive never disputed nor heard of this collection so I immediately & directly contacted : { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account Number XXXX Date of XXXX Delinquency Unpaid XX/XX/XXXX Original Amount {$16000.00} XX/XX/XXXX Balance {$29000.00} } at the number provided on my credit report. After providing my name, address, and Social Security number, the representative confirmed that they have no records of me in their system. This discrepancy strongly suggests an error in reporting with Equifax. 

Furthermore, I would like to point out the following facts to support my complaint : - Collection company could not verify me - I have never traveled to the country where this timeshare or transaction allegedly occurred. 
- In XXXX, the reported timeframe of this activity, I did not possess a valid passport, further proving I could not have been involved in this matter. 
- I, XXXX XXXX have never previously disputed this account on any of my credit reports. 

I have now asked both the collection company and Equifax being the only reporting agency reporting this information to please resolve this but have had zero explanation to my concerns.
Product: Debt collection

XXXX XXXX XXXX XXXX ancient XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Subject : Dispute of Debt Collection Account Dear Credence Resource Management, I am writing to formally dispute the validity of the debt associated with account number [ insert account number ], which has been placed in your collections. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of this debt. 
According to 15 U.S.C. 1692g, I request that you provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed statement of the account, including any interest or fees added.

4. Verification that you are authorized to collect this debt on behalf of the creditor.

5. Copies of any documents that substantiate the debt.

Additionally, I would like to reference the Fair Credit Reporting Act ( FCRA ), which mandates that any reporting of this debt must be accurate and verified. I expect that you will conduct an investigation into this matter and report back to me within the 30-day period as stipulated by the FDCPA.

Please be advised that until this debt is validated, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies, as per 15 U.S.C. 1692c.

I appreciate your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Loancare has stated that My First Trial Payment was for XX/XX/2020. All three payments were made. 

Loancare now states My First Trial Payment for my FHA loan begins on XX/XX/2020, a date I was previously told to not make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : JPMCD card- Account- # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 by 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.