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

I have about six accounts that were charged off in late XXXX, early XXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with XXXX, XXXX and Equifax to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money. 

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section 184 for Native Americans ), the guidelines are strict, I know how it works, I work for XXXX XXXX  XXXX - XXXX XXXX  myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
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 168XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account number # XXXX account name # XXXX XXXX has violated my right 15 U.S.C section 1681 602 A States I have the right to privacy 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should not have a balance, it was paid in full as of XX/XX/2018. This need to be updated on my credit report to a XXXX balance.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer over on XX/XX/XXXX to XXXX XXXX to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but XXXX XXXX XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. 
Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( Wells Fargo ) deposited the money and then wire transferred the money directly to XXXX XXXX for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) wells fargo won't let me dispute a charge. Or let me have access to that account. Wells
Product: Debt collection

On XX/XX/2018 I entered a consumer credit transaction in which I was the creditor and extended credit to AFFIRM INC through my open end credit plan Pursuant to 15 USC 1602 ( g ). AFFIRM INC then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) AFFIRM INC has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) I spoke with several representatives from AFFIRM INC and they have reported to the credit Bureaus ruining my credit worthiness and harming me physically. Credit one bank has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Product: Checking or savings account

Date : XXXX/2024,XXXX/24,XXXX/24,XXXX/24,XXXX/24XXXX/24,XXXX/24 Exact amount charged : {$4000.00}, {$4000.00}, {$4000.00}, {$2000.00}, {$2000.00}, {$1400.00}, {$1500.00}, {$1000.00} - Total ( {$19000.00} ) Customer Debit Card : XXXX Name of the bank institution : XXXX XXXX Send country : USA Sender - remitly XXXX ( XXXX ) XXXX Helpline number I tried to contact bank regarding this bank denied my claim and told me to contact remitly to get refund and I contacted remitly multiple times but I didnt receive any good response they just provide me reference number XXXX and whenever i called they just keep saying still investigating so please help me to get my money refund thanks
Product: Debt collection

This agency never send me anything about a collection debt trying to collect and now they taking out of my check now I live pay check to pay check a debt back in 2007 which I don't recognize or have no previous knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to Experian 's monthly credit service in the amount of $ XXXX/per month for 6-7 years, then without approval starting XX/XX/19, Experian starts charging my account without approval $ XXXX/mo. 

I've contacted Experian and they have credited my account for the month of XX/XX/XXXX but would not do so for XX/XX/XXXX and XX/XX/XXXX. I'm continuing their service for now $ XXXX/mo. 

I'm not happy they didn't rectify the entire issue but this doesn't bother as much and is my real concern is Experian automatically started charging my account 400 % increase amount without authorization. They tried the same thing about 3 years ago without notice too which is the real reason for my irritation. 

I'm literally dumbfounded a credit agency of all companies would do this to consumers if this isn't illegal its unethical. 

Thanks for all you do for the consumer. 

Best of luck, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit because of wrong, inaccurate and false late payments on my credit file. The three credit bureau has three different information and records about me including name, address and accounts
Product: Debt collection

They have called my job in numerous occasions and after hours. My manager pulled me aside with a warning about these phone calls.
Product: Vehicle loan or lease

I asked for paper statement or bill so I could endorse the check or use the remittance coupon to discharge my debt.
Product: Debt collection

The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. Midland Credit Management claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with Midland Credit Management, I DID NOT ASK for it nor are they privy to contract with me. Midland Credit Management has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. Midland Credit Management only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to Midland Credit Management, they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE Midland Credit Management and original creditor anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.
Product: Debt collection

Per complaint XXXX, I disputed account on the XX/XX/2021 and the collection agency continued to call WHILE THE COLLECTION WAS STILL IN DISPUTE! That is what the first complaint was about but the collector refused to acknowledge. It states with XXXX  that you do not have contact with the collector while in dispute which is why I am questioning the validity of this debt. But the only thing that should be addressed NOW is why I was still receiving calls while my collection was in dispute. See the complaint number listed above for call logs showing dates times and phone numbers associated with hunter warfield.
Product: Consumer Loan

I entered into a lease with BMW financial services four years ago. shortly after signing my lease I noticed the payment date was incorrect, I went back to the dealership and completed the form to change the payment from the XXXX to the XXXX of the month. Over the course of my lease I have had continue problems with the payment coming out on the wrong date. I have completed the change of date form a number of times, I have made phone call after phone call, where I am assured it has been corrected and will not happen again. There have also been a couple times where they will take more then one payment or not take a payment at all, where I will have to battle them to get it corrected. So after all this I have just found out that I have reports of slow payments on my credit bureau, because of the times that they have messed up. I have tried to resolve this with BMW financial however after trying for the past two weeks I have yet to actually speak with a supervisor or a manager to get to the bottom of this.
Product: Money transfer, virtual currency, or money service

I recently opened a business bank account with Chase bank for my small business, XXXX XXXX XXXX. I decided to opt in to use their integrated payments credit card processing company 'we pay ' to process card payments from my customers purchasing my products. On XX/XX/year> I ran a card for a down payment of {$200.00} through the chase point of sale app. I was able to send the customer an electronic receipt through email. I proceeded to run another credit card payment on XX/XX/year> for the price of {$2900.00} for the purchase of my product at full price. I was able to send the customer a receipt through email with the chase point of sale app. Later that day I was locked out of the chase point of sale app and then I was sent an email saying the purchase was declined to be deposited in my account. I called the chase bank and they told me they looked it over and decided to hold the funds for XXXX  days because I am high risk. That is all the info they could give me because all complaints and issues are to be dealt through email with the payment processing company they told me i needed to appeal it through email. So I proceeded to send an appeal through email and they responded saying they will look into my appeal and to wait and that is all the info I got. This is affecting my business immensely seeing how I am a very small company just starting out and I need to use those funds to pay my independent contractor for selling my product as well as replace my inventory. I can not wait 120 days for the funds to be release I need this to be resolved immediately and it shouldn't even be happening seeing how I gave them all the legal information they needed to set up my account with them so I should not be having to deal with this. It is a huge set back to my company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding your failure to properly investigate my recent dispute concerning inaccurate, incomplete, and outdated negative items on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy, completeness, and fairness of information contained in consumer reports. 

Despite my previous dispute, these inaccuracies remain unresolved, and the negative information continues to be reported on my credit file. Specifically, I have reviewed my report and found that the items in question remain, demonstrating that your investigation was not thorough and in violation of my rights under Section 611 of the FCRA. 

This failure has caused significant harm to my creditworthiness, financial opportunities, and personal character. Your negligence in correcting these errors is not only damaging but also illegal. Under the FCRA, I am entitled to seek damages of up to {$1000.00} per violation. Please be advised that I will be invoicing you for each instance of non-compliance and the damages caused as a result of your failure to comply with federal law. 

If you do not address these inaccuracies and provide confirmation of their removal from my credit file within XXXX days of receiving this letter, I will have no choice but to pursue legal action against your agency for your repeated violations. 

To avoid further escalation, I request that you : XXXX. Conduct a proper reinvestigation of the disputed items. 
XXXX. Remove any inaccurate, incomplete, or outdated negative information from my credit report. 
XXXX. Provide me with a written confirmation of these corrections. 

Failure to respond or comply within the specified timeframe will result in legal proceedings against your agency. I look forward to resolving this matter promptly.
Product: Credit card or prepaid card

Citibank will not allow me to use my credit card to buy products from some firms that deal in XXXX or XXXX related products.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 
XXXX Experian, and XXXX govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because accounts According to 15 USC 1681 : Ihave the right to privacy and I did not give XXXX written permission to furnish these accounts. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

A XXXX account for XXXX has been opened in my name without my consent or knowing, and I have become a victim of my identity theft. 
this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
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 15USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 1681 s-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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XX/XX/XXXXAccount Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE ABOUT THE TWO BANKRUPTCY ON MY CREDIT REPORT. I SPOKE TO THE COURTHOUSE CLERK. SHE EXPLAINED TO ME THAT THE COURT SYSTEM DOSE N'T REPORT ANYTHING TO THE CREDIT BUREAUS. 

IT IS A THIRD PARTY THAT REPORTS THIS TYPE OF ACCOUNT. ON MY CREDIT REPORT THE REPORTING COMPANY IS THE : XXXX XXXX XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XXXX XXXX XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX Chapter XXXX Bankruptcy : Bankruptcy XXXX XXXX XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XXXX XXXX XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX THE COMPANY THAT IS SUPPLYING THIS IS XXXX, I HAD ALSO CALLED THEM AND ASK THEM TO REMOVE ME FORM THERE DATABASE OF INFORMATION. STILL NO HELP. 

THE CREDIT REPORT NEED TO SHOW THE CURRENT COMPANY. THIS NEEDS TO BE REMOVED FROM MY CREDIT BECAUSE THE REPORTING COMPANY IS INCORRECT ON MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called EXPERIAN to freeze my credit. They would do so for 30 days for free and then use my credit card charge me XXXX a month. 

I was successful credit freeze with XXXX and XXXX. 


I made the call XX/XX/2018 at XXXX XXXX.