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

XXXX, XXXX, & Equifax continue to report the account XXXX XXXX inaccurately. The account has several inaccuracies that lets me know this account has not been validated or verified. The high balance, last verified, date of last activity, date reported, closed date, creditor type, creditor remarks, last payment, account type, credit limit. These areas can not all have different dates and information. 

XXXX and Equifax are reporting late payment but different months. XXXX is reporting it as a collection but not XXXX and Equifax. 

Furthermore I have equitable interest in my credit application which was used to fund this credit transaction so therefore I can not be late when the interest should settle the account. XXXX, XXXX, and Equifax continue to report inaccurate information knowing it to be false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also
Product: Debt collection

MIDLAND CREDIT MANAGEMENT ( XXXX ) has be illegally reporting my information to Consumer Reporting Agencies ( XXXX XXXX, XXXX and XXXX ) without my consent 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In accordance with the written instructions of the consumer to whom it relates I did not give verbal or written consent for my information to be given to any Consumer Reporting Agencies
Product: Credit card

I lost my credit card and filed an unrecognized transaction on my account. I have previously lost my card and I was never held responsible for fraudulent charges. Capital One is refusing to provide my purchase adjustment because they are using the results from a previous investigation, which was found in the my favor, to decide the outcome of this investigation. It is unfair and against their fraud policy to deny claims because of past investigations that were filed and closed in favor of the buyer.
Product: Debt collection

I have been 3 months trying to get a bill from this Simons company. I dont know if the bill is mine or how old it is. I found out about this bill by checking my credit report. Was never told about this. Was never sent a bill or a phone call. I cant pay a bill I dont know about. Dont know who the original creditor is. Would really like to see a bill of what I owe Im not paying for something until I know what it is for
Product: Credit card or prepaid card

The credit card concern is with a deferred-interest card, Care Credit. As you will see on the attached spreadsheet, payments were made to satisfy each of the expiring charges. I'm told that, because a charge made in XXXX which promo period expired on XX/XX/21, and a coinciding payment of {$3000.00} was made, that the company applied the {$3000.00} to a previous charge which promo period didn't expire until XX/XX/21. 

As you will see on their receipt, they apply payments to the earliest expiring charges. They didn't do this and, consequently, charged me {$260.00} in interest charges. They asked if I'd called in to advise them how to apply the {$3000.00}. How would I know to do this when their own documentation states they'll apply payments to the earliest expiring charges? They refuse to acknowledge that timing of charges and payments may have caused in an inappropriate application of monies received. I also don't completely understand why one charge expired XX/XX/21 and the subsequent charge expired earlier than that. But that's neither here nor there. Please advise as repeated efforts, by phone and via email, have yielded nothing but obstinance that they could do no wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists. 

Also In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Mortgage

On XX/XX/2021 I refinanced my home mortgage with Guaranteed Rate. During closing, I paid {$4000.00} into my new escrow account. My mortgage was immediately transferred to XXXX XXXX. 
When I received my first paperwork from XXXX my escrow account balance was only {$2000.00}. I called XXXX to ensure they weren't expecting any more payments from Guaranteed Rate, which they weren't. I then called Guaranteed Rate to see what was going on with my missing escrow of {$2000.00}. This is where the problems arise. 
Guaranteed Rate claims they held my money to pay an XX/XX/XXXX tax bill, however I have some issues with this statement. For one, I don't have an XX/XX/XXXX tax bill, I just paid my taxes on XX/XX/XXXX and according to my tax bill is not due until XX/XX/XXXX. This is plenty of time for XXXX to make a payment. Second, my tax bill is only {$2000.00}, which is more than Guaranteed Rate is holding. 
I reached out to Guaranteed Rate on XX/XX/XXXX, and asked for this cash to be sent to XXXX. They will not complete my request. They are still holding my money as I continue to go back and forth with them over the money they still owe me.
Product: Debt collection

A fraudulent collection account has been placed on my credit report. This was placed on my report in XX/XX/2021, disputed, won, and removed from my report. It returned last week. It is from Sequium Asset Solution with the original creditor being XXXX for an address in Illinois ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to be exact ). I have never lived at this address, nor do I know of anyone I am acquainted with or have done business with who would be at this address. As such, it is fraudulent. I have reported this to Sequium and XXXX. Both have labeled it as fraud and submitted a fraud report. They also recommended submitting a police report. I attached the notification on my credit report as a reference ( uploaded document ). Please advise on what I can do to not only have this removed ( Sequium and XXXX I believe will take care of this ) but also take measures so that it does not return on my credit report again. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, i have sent multiple letters to XXXX, Transunion, XXXX over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and my information has been exposed on the experian XXXX breach and I discovered multiple accounts on my credit report that was not opened by me the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved as soon as possible because this is scary and frustrated there are also multiple addresses on my credit that don't belong to me and multiple social security variations on my credit report and employers and phone numbers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate XXXX XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/2023 This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Product: Credit reporting or other personal consumer reports

Experian is failing to indicate whether The account : [ XXXX XXXX ] [ XXXX ] has been sold or if it has been sold. this is a misrepresentation of the account status This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  bankruptcy was paid in full and XXXX in XXXX XXXX XXXX  but still shows as an open bankruptcy now. I have sent all court documentation of this payoff/discharge but they still will not change the status.
Product: Credit card

On XX/XX/year> I enrolled my credit card billing into automatic payments and I opted to have the amount {$1600.00} paid automatically. See screenshot where their customer service confirms this. 

On XX/XX/year> I was charged a {$41.00} interest fee for not paying my balance which was due XX/XX/year>. I was called on the XXXX by their customer service to notify me that I am past due on my bill. I was very confused since I signed up for automatic payments, and I immediately paid what I owed. They claim that automatic payments do not actually start working until 1-2 billing cycles for new customers- this is not something I was made aware of when signing up. Since there was no notice that automatic payments DO NOT ACTUALLY WORK even when you sign up, I was late to pay. Over the phone they agreed to waive harming my credit score due since this is a widespread issue they are having.

I contacted their customer service about the {$41.00} interest charge, and they are refusing to waive that charge even though it is their fault automatic payments did not work!!! 

The CS rep even admits that I opted to have the amount {$1600.00} paid when I signed up for automatic payments. Why would they allow that to be an option if it was not going to be automatically paid? They are likely making millions in fees off people who sign up for automatic payments, and miss their payment- like I said, their rep told me over the phone this is a frequent issue people are having!!! 

The credit card is through Bread Financial, a Bread Cashback card, issued by Comenity Capital Bank pursuant to a license from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  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, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

They call my job everyday asking for the plant manager. They also leave the number with anyone that answers the phone. This is a everyday occurance even though I tell then when I can pay
Product: Credit reporting, credit repair services, or other personal consumer reports

RESPONSE TO : XXXX. Again I have no signed contract the The Phoenix Recovery group that is reporting false inaccurate information to all 3 credit bureau 's. Also note : I've sent proof this was removed from my credit report and it's now back on XXXX, XXXX and XXXX. This is a violation of consumer fair act laws and this must me removed immediately. I've sent proof of the deletion review once more also court document showing XXXX balance as of XX/XX/2022. Church and non-profit Organizations helped to cover rent, I gave notice and sent pictures of clean apartment, information this non-contractual has placed is false any false inaccurate must be deleted under the law I want this removed IMMEDIATELY. Again this was deleted, unlawful to report again once deleted. See attached along with apartment in mint condition. These people are falsifying statements
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and would like the following account removed from my credit report. I do not know the following account. 

Account Name - XXXX XXXX Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX XXXX XXXX XXXX Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX XXXX  XXXX Account XXXX - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX  Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX XXXX Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened - XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX XXXX XXXX  Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX Date Opened - XX/XX/XXXX Account Name - XXXX  XXXX Account Number - XXXX Date Opened - XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Goodleap last updated my credit report on XX/XX/XXXX, and on XX/XX/XXXX I paid the full account balance of {$5400.00}. Goodleap has not sent an update to the credit agencies in almost 3 months ; and has not updated the account as paid off, going on two months. 

Very shady and unprofessional company that does not comply with CFPB laws, and I will be considering all legal recourse that is available.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS continously report to all XXXX credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all XXXX credit bureaus and stop harassing me. They are damaging my credit.
Product: Money transfer, virtual currency, or money service

My issue is very simple, A bitcoin deposit was made to the Coinbase XXXX XXXX on XX/XX/2017 - XXXXXXXX XXXX  EST. The bitcoin was received and can easily be confirmed on the bitcoin XXXX XXXX XXXX XXXX XXXX The platform has had the transaction in a " pending '' state for years now ( see screenshot ) and will not credit me the funds or respond to any emails or tweets. My last phone call to the company earlier this year the customer service rep said he will create a new ticket, yet I have not heard back. I have been a customer for years and have used the platform successfully many times since this transaction so it seems to just be a bug that they will not address. The issue is I have lost {$1000.00} 's of dollars due to the price trending downard this past year as the funds have been held hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # 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: Bank account or service

Wells Fargo closed my checking and savings accounts on or around XX/XX/2017. They did not provide a reason for doing this. Further, I had no reason to suspect the bank would close my accounts, since I never violated the bank 's terms and conditions. I never bounced a check and I 've never done anything to warrant the bank suddenly closing my accounts without providing me the consideration of an explanation. As a result my other bank, XXXX, charged me {$15.00} for a failed ACH transfer that I attempted on XX/XX/2017. When I visited Wells Fargo this afternoon to collect my account balance of {$5600.00}, the bank employees told me they were unable to give me the money. They told me I would have to wait until their " back office '' released a hold on the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the debt for XXXX XXXX original creditor XXXXXXXX XXXX XXXX. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.
Product: Debt collection

Love Beal and Nixon have sued me for a debt from XXXX that was a result of identity theft. This company claims to have served me personally for the court appearance but according to the process server at the time, 2019, I was a XXXX XXXX XXXX at XXXX tall with glasses weighing XXXX pounds. In 2019 I was XXXX, dont wear glasses and weighed about XXXX pounds and I am XXXX tall. So clearly XXXX XXXX served. I never had any idea any of this was going on. Until they put a lien on my house. And took my last {$200.00} out of my bank account. I have offered to pay just to get the lien off my house but they insisted I admit it was my debt. I can not do that. I have open cases with the FTC, IRS, SSA and several local law enforcement agencies. This is identity theft. My identity is being used by at least XXXX person that has been identified. This company is horrible. They refuse to let you dispute anything. And they are victimizing me even more.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several items on my credit report and to request their immediate correction under U.S. law. The details of the disputed items, along with my legal claims, are as follows : XXXX XXXX - XXXX : According to 15 U.S.C . 1681a ( 2 ) ( i ), exclusions on transactions, I am requesting that this late payment be updated to reflect " paid as agreed '' as it was never late. 

XXXX - XXXX : As per 15 U.S.C. 1681a ( 2 ) ( i ), exclusions on transactions, this late payment should also be corrected to " paid as agreed '' since it was not late. 

XXXX XXXX - XXXX : Under 15 U.S.C. 1681a ( 2 ) ( i ), exclusions on transactions, I request that this late payment be updated to " paid as agreed '' because it was never late. 

XXXX - XXXX : I am invoking 15 U.S.C. 1692g for debt validation. Under this law, the debt collector must cease collection until I receive validation of the debt. I request proof of the debt, specifically the original application, contract, or other instrument bearing my signature. If this information is not provided, I demand that the item be removed from my report immediately. 

XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX : Similarly, under 15 U.S.C. 1692g, I request validation for each of these accounts, including proof such as the original signed documents and contracts. If such proof is not provided, these items must be deleted from my credit report. 

XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX : I reiterate my request for debt validation under 15 U.S.C. 1692g, demanding specific verification of these debts. Without proper verification, these items should be removed from my credit report. 

Under 15 U.S.C. 611 ( a ) ( 1 ) ( A ), you have 30 days from the receipt of this letter to investigate my dispute. I am maintaining a record of all correspondence, including your method of verification. I do not consent to e-Oscar or any form of automated verification. 

Failure to respond satisfactorily within the 30-day period will compel me to take legal action. I will pursue a small claims suit for up to {$1000.00} per violation, which may include claims for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

Sincerely, 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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX  Account XXXX Account # XXXX, Non authorized inquiries : XXXX, XXXX, ML XXXX XXXX XXXX XXXX XXXX, wrong address:XXXX  XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX LISTING WRONG EMPLOYER : XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A 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 items 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Equifax, XXXXXXXX XXXX Account # XXXX - XXXX XXXXXXXX XXXX  Account # XXXX - XXXX XXXX XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX USDEPTOFED/XXXX Account XXXX XXXX XXXX XXXX USDEPTOFED/XXXX  Account # XXXX - XXXX XXXX Account XXXX XXXX - Equifax DP OF EDUC Account # XXXX - Equifax DP OF EDUC Account # XXXX - Equifax XXXX Account # XXXX - Equifax XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Equifax 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX, and i am XXXX  years of age i have been a victim of identity theft for over 15 years, i have the proper and supporting documents supporting my claim on identity theft with fraudulent accounts opened in my name fraudulently. i have enclosed the etc report along with the police report with the name and account numbers of these fraudulent accounts.