23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I have tried to log into XXXX but continue to get an error message. However, I am able to pull up my free credit report from XXXX. After making a payment of {$10000.00} to my loan servicer ( formerly XXXX ) in XXXX, I monitored my credit for changes. I didn't see any changes that concerned me. After a refund was requested on the {$10000.00} payment to Mohela ( formerly XXXX ), my loan servicer, in XX/XX/XXXX, my once Excellent credit score dropped about XXXX points ( formerly XXXX but it used to be higher however the credit health function on the XXXX XXXX website does not let me view beyond 1 year ). While XXXX XXXX had a note that this was due to a balance increase, I was never provided documentation from either XXXX or XXXX detailing why it dropped so much upon request. From my understanding, the payment history has the highest impact and I have never missed a payment according to my credit report ( see attachment ). I reviewed my financial history and credit report and I have reason to believe that my loan servicer did not provide accurate information to XXXX or XXXX which resulted in a drastic decrease to my XXXX score. As of XXXXXXXX XXXX XXXXXXXX, my loans have been paid in full and this is still not reflected in my recent credit report and my credit score has never returned to what it was before. I would like to request an investigation or a detailed explanation as to why, without a history of missed payments, my credit score has decreased drastically. I understand the balance increase after the refund was requested, but from my understanding, a balance increase only temporarily decreases your XXXX score and is not considered as high impact as missed payments.
Product: Credit reporting or other personal consumer reports

The information that is reporting from HARRIS & HARRIS LTD is a violation of the Fair Credit Reporting Act. Information is inaccurate on account XXXX.
Product: Debt collection

hey XXXX XXXX it appears that this item on my credit report has turned into a charge off but I noticed you never sent me a 1099 would you be so kind to send me a 1099 for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it I've gone through a serious financial hardship and this would help me with my credit in the future thank you so much
Product: Credit reporting or other personal consumer reports

This is my 8th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have provided everything and we are being dual tracked. We respectfully request that the CFPB let the lender know that we have provided all of the information and we need the same date removed until the modification process has been completed
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Transunion via phone and Mail in hopes of getting these Unverifiable accounts removed but Transunion employees failed to resonably investigate the issue. You failed to do so giving me a reason to believe my information is being tampered with XXXXMy credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and Transunion still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Transunion to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc
Product: Debt collection

I previously submitted a request for a 'proof of debt, ' in order to see if this debt is actually mine. I have been curious since ProCollect called me back in XXXX about this debt. After several attempts and many phone calls to get ProCollect to validate my debt, they finally did after I submitted my first claim to CFPB. ProCollect ended up sending me a document, only one that was provided by the apartment complex with the XXXX logo on it. All documents must be presented when requesting validation of debt. There are several things that concern me about the document ( s ) : 1. This is not my signature. This is not my handwriting. This is hardly even my information other than my personal info. I can definitively prove this. 2. XXXX XXXX XXXX, the actual lease holder is a career criminal that already has a record of fraudulent activity. 3. My great grandmother is also listed on the lease as another occupant. My great grandmother has been sick with XXXX and I can guarantee you her information was also illegally obtained. So this is two fraudulent criminal complaints. 4. What scares me is that XXXX XXXX is a career criminal and if she would of requested validation of debt, then she would NOW AGAIN have my social security number. Going forward, I would appreciate that you would white out my Social Security Number and my great grandmother 's SS #. This is simple Credit Law. Consumer Credit Collectors CAN NOT SHARE SOCIAL SECURITY NUMBERS with other consumers, regardless of the situation. 5. I have sent XXXX XXXX several emails, along with his associate XXXX XXXX to resolve this since and they refuse to answer me on how to proceed. I am fed up and if I would of seen the supporting documents back in XXXX 2016, I would of had this taken care of by know. If I do n't receive a response through email at XXXX,  along with a response through CFPB and a phone call stating that this BAD DEBT will actually be written off to BAD DEBT, then I may consider NOT retaining XXXX XXXX to sue ProCollect, along with XXXX XXXX as co-defendant. I have already made XXXX XXXX aware of this matter. If I do n't receive a response by the end of business on Friday XX/XX/XXXX, then I will be retaining XXXX XXXX and we will be going to court. I attached the " supporting documents '' on this bad debt, that was sent to me from XXXX XXXX. She would n't respond to my emails nor would anyone transfer me to someone that could help me with my account. Kind Regards, XXXX
Product: Credit card or prepaid card

I applied For this credit card to use to improve my credit score. I rcvd 2 credit cards and had not used either prior to being XXXX  at a XXXX XXXX  for 5 days. ( this was the first time I have ever been in trouble like this and it was due to my son missing too many days of School bc he was being bullied, I am not a XXXX or someone who breaks laws EVER ). While I was XXXX both of these cards were maxed out. I did not use them and It was impossible that I could have being where I was, I had no way of using them even if I wanted too. The other company understood and to Care of it for me, dissolving the debt. But, this company refuses to listen to me or the XXXX of this into consideration. I have edge reached out several times, including immediately after I was released and found out about the charges. I don't know what more I can do. I have always paid my debts, never had to dispute charges either. I should not be held responsible for charges i did not make, it was impossible for me to make. From what I found on the statement it looked like all the charges were made online for services? But I'm not entirely sure, the aren't my charges so I really don't know any more then what the statement provided me, which wasn't much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- Account number : XXXX 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 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, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had switched my existing wireless phone lines to XXXX   considering their 30 day satisfaction guarantee. However, within a month I realized the poor network coverage and internet issues and decided to return the devices I bought back to XXXX. I followed all the instructions from the customer representative from XXXX and they sent me pre-paid labels that I used and returned all the devices along with the boxes, accessories, etc. 
I moved my service back to XXXX XXXX XXXX and replaced my phone number. I did not receive anything in the mail from XXXX but received a letter from Convergent Outsourcing after a month or two trying to collect ~ {$3000.00} from me for XXXX. I immediately called Convergent and then XXXX to get justification on these charges. XXXX confirmed they had received the devices and that it was billed in error to me, they made adjustments to the amount and I was asked to expect a final bill around {$80.00} which I paid once received. 

Convergent Outsourcing reported to the Credit bureaus as collections, an amount of ~ {$3200.00} on XX/XX/XXXX, two years well after the account was closed, without my knowledge. 
I still see the remark on my credit reports ( XXXX, XXXX  and XXXX  ) as collections affecting my credit scores negatively. Considering reporting error from XXXX and Convergent, this should be removed from my credit report and should not affect me in any way. 

It is unfair for a company to charge 300 % more in error to a consumer, then report it to the collections, settle the entire amount and then report after two years to the credit bureaus to impact consumers credit scores negatively.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Today, XX/XX/, I received an email indicating that my credit limit has been decreased. I was provided no advanced notice nor a reason for this decision. I have never missed a payment on this card or any other account over the past 5 years. I attempted to contact Citi, and two separate representatives told me that they could not provide the information and that Id be receiving it in writing. Theyve advised me to speak with the credit bureau, XXXX in this case, to determine if theres any incorrect information and then turn around and request a reinstatement of credit limit. This severely can impact my credit score because Ive gone from 50 % utilization to near 100 % on this card due to the reduction. I am furious. Clearly you can pay your bills and still be penalized.
Product: Credit card

There was credit card fraud committed for the amount {$6600.00} on my card. I had the card on me while the fraud took place and I was out of the country on vacation. I alerted Navy Federal Credit Union that fraud had taken place on my account as soon as I saw the charges. They came to a conclusion that it was not fraud and were not willing to provide me with any other assistance besides refilling another claim which I have done. 

The transactions took place at a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in Pennsylvania which is a state I dont live in. Not only that but I was in XXXX during these transactions and therefore could not have done these transactions. 
When I called Navy Federal Credit Union they were very dismissive and would not provide me with information on how they concluded it was not fraud. They clearly did not investigate properly and do not care about their customers.
Product: Money transfer, virtual currency, or money service

I made transfers of {$1000.00} to XXXX from my bank account to my brother ( XXXX XXXX on XX/XX/XXXX  through World Remit but the money never got into my brother account. I have contacted World Remit numerous but with a negative result. They refused to refund me my money. 

The transfer # XXXX
Product: Credit card or prepaid card

Mislead by sales reps to open their credit card only to be denied the " promised '' and advertised discount. 

When I went to the store the clerk convinced me to open a Kohls charge card for the additional discount. I was hesitant but figured what the heck I need a discount on my purchase. She said the discount would apply to the ENTIRE Kohls charge purchase. So I opened the credit card but I wasn't purchasing enough on that particular order and had another coupon to use. I asked if I could wait to use it and she said yes it is saved in my app. Sure enough ... there it was. 

Today, XX/XX/2017, around XXXX pm my wife and I went to the store. I told her I had this coupon for our entire purchase. She asked me what it excluded and I didn't know. So I open the app and see that it has XXXX exclusions. When I look for exclusions it simply says entire charge card purchase. So we shopped for about 30 minutes. Picked out work out clothes and some shoes. Go to the front scan the items ( {$620.00} ). The clerk asks if I have any Kohls cash and I responded no. She asks if I wanted to open the credit card and I said I already have one, in fact I want to use the coupon. Then she scans it and says it excludes these items. I responded by saying it has no exclusions and I even pulled up another coupon WITH the exclusions. She agreed it was weird but could not offer an explanation. I told her I ONLY opened this credit card for the additional discount and now I have been damaged with a credit app that lowers my score. I asked to speak with the manager and she calls over a female manager named XXXX. She also agreed and said she would do nothing for me. At that point I was embarrassed and frustrated so we left the store. However, it is unacceptable to sell a credit card under false incentives. I want an answer for this and I want everyone to know that the Kohls credit card is a rip off because you will not get what you are promised.
Product: Debt collection

My lease wasnt over until XX/XX/XXXX I moved XX/XX/XXXX when I moved I clean the apartment only things was broken was a door that already had a hold in it but was patched up with mud my rent was XXXX I was told if its not rented by XXXX I would have to pay for that month rent now I also paid a deposit when I move there I receive no deposit money back no letter or anything but the place did get rented before XXXX this I know because I still talk to my old neighbor that still live there right now to this day its not fair for companies to do ppl like this when they move take my deposit and charge me way to much for a door that was already broken to begin with in the first then sneak and put this on my credit report not once have my rent ever been late not once this not fair even if it got rented in late XXXX I understand I would still own some money but lets be fair XXXX plus dollars is not fair when I had a deposit that wasnt returned to me we can come to agreement of XXXX that would mean Im still out of my deposit Im fine with that
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) received a " Cashiers Check '' ( Check ) made payable to the XXXXXXXX XXXX XXXX XXXX XXXX Account. The Check was for expenses in conjunction with a transaction that I was acting as lawyer. I deposited the check into my XXXX Account the same day. First Interstate Bank XXXX XXXX credited the account with the entire amount of money that day. On XX/XX/year> I was sent wire instructions from my " XXXX '' to wire money to certain people in conjunction with the transaction. On the same day, I went to the bank to wire the funds. Before authorizing the wire, I asked the bank employee if the Check was good and the funds available. She said the funds were good. On XX/XX/year>, I received additional instructions to wire additional funds to others in conjunction with the transaction. I did so based upon the representations of the bank employee that the funds were available. In total I authorized {$150000.00} to be sent because the First Interstate Bank represented that the funds were available. On XX/XX/year> the First Interstate Bank was notified that the Cashiers Check was altered and fictitious. I was notified on Monday XX/XX/year> of the fraudulent check and ordered to cover the loss in the account. I covered the overdrawn account. I demanded to be made whole because the bank recognized the funds before they knew that the funds were real. I was denied my request. I believe the bank has the ability and authority to determine the validity of a cashier 's check and should not have credited the funds until it knew the funds were available.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a new home, so I decided to check my credit report, I then realized that I had damages on my credit report and accounts that were not recognizable to me/ accounts opened I have no knowledge of. I reached out to each bureau to notify them that there was information listed that was fraudulent and were from an alleged identity theft.

According to the 15 U.S.C 1681c-2 law a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.