23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit management and midland funding falsified documents to the judge on my daughter who have a XXXX and stuck her with an enormous debt. and levied her bank account and removed her XXXX funds. Now she has no meds and I am struggleing to pay for her medical bills and medication until we can get a date were the judge can see her exemptions. I tried to negotiate with them but they just gave me the run around. Prentending they did not understand what I was calling for or the attorney I was calling for. They pretened they did not know. XXXX XXXX XXXX Division Manager of Consumer Support Services would pretend he was not the manger several times. They would even send me mail in envelopes with no markings to deceive me from court appointed hearings. Never wiiling to verify the amount truly owed. Until they place a judgement on her. All still refuse to do so.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  that works night shift in different states. I thought that my card was paid automatically but it was debited at the wrong time to my knowledge. Wells Fargo closed my account for this mistake after I asked them to keep it open and that I would pay the balance owed immediately. Wells Fargo showed no mercy and closed my account. Wells Fargo also reported that I was late paying them. The account was closed and I paid the account in full. 

I am humbly requesting that Wells Fargo removes the incorrect late fee from my credit report.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Reference # XXXX
Product: Student loan

In the XXXX XXXX XXXX, I was notified that XXXX would be replacing NelNet as my servicing provider and, shortly after the finalized transition in my loan servicer, noticed that both providers were reporting my student loans to credit agencies. In XX/XX/XXXX, I contacted NelNet via phone to notify of the matter and request corrective action, but received correspondence via mail denying error on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting incorrect information on my credit reports. This is for an alleged account number : XXXX. I sent a certified letter with return receipt which they received on XX/XX/XXXX.  This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature, showing my obligation to pay them. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They responded on XX/XX/XXXX with a random billing statement but no contract or anything bearing my signature. 30 days from the day they received my first letter, I pulled my credit report and noticed the item still being reported. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still have yet to provide me with proof bearing my signature. Im going to give them another 30 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. This is the inquiry : XXXX - XX/XX/2023 :
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act Convergent XXXX 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From My Report Immediately!
Product: Credit card

Comenity Bank has intentionally maintained an account in a disputed state for XXXX days, with the aim of charging additional amounts and denying any payoffs on the account earlier. The account in question had four purchases totaling {$4900.00} made between XX/XX/XXXX, and XX/XX/XXXX. Payments on the account began on XX/XX/XXXX, with the intention of clearing the balance on or before XX/XX/XXXX. These purchases were made under a Deferred Interest agreement, but interest charges were levied before the completion of the twelve-month period from the date of the first purchase. 

Upon review, it has been discovered that Comenity Bank breached or nullified the agreement. Despite numerous attempts to resolve the issue and reach a fair settlement, Comenity Bank has failed to do so. On XX/XX/XXXX, a senior representative for Comenity Bank confirmed that they had the authority to negotiate and secure a payoff for the account. However, upon reviewing the account timeline and calculations, they identified several errors that needed to be addressed. They suggested filing a dispute on the account to resolve the discrepancies and advised keeping the account in its current status to avoid further complications. They assured that their entry would carry more weight and lead to a better resolution. 

Comenity Bank also expressed that while the account was in a dispute status they would not seek collection or report to the credit bureaus. Records indicate Comenity Bank has reported and increased total amounts.
Product: Credit card or prepaid card

Citi Bank. XX/XX/XXXX on my XXXX Credit Report Citi Bank - XX/XX/XXXX on my XXXX Credit Report I have not ever applied for a Citi Bank Card. I have requested a copy of signed aoplication for cerification or removal. I have disputed theough voth credit bureaus to no avail
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/19 I placed an add on the classified ads at XXXX wanting to buy a XXXX XXXX XXXX XXXX XXXX XXXX A person named XXXX XXXX responded, sent pictures and said he had a kit for sale. His email address is XXXX. He provided instructions for me to use paypal, but specified friends and family. I did not realize that this was not the same paypal I am used to that gives protection. 

Of course this was a scam and I never received the airplane. However, within 8 hours of sending the funds I opened a dispute with paypal. 

My belief is that Paypal should have a popup when you do friends and family that warns you will have no recourse if item fails to ship. I have yused PP many times and have actually used the protection when an item failed to ship. I did not realize that this was different. Their fine print specifies it, but only after I looked. 

I lost {$360.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account that has appeared on my credit report. The account in question is not mine, and I have no legal binding contract with the entity reporting the collection. The following account is violating my rights in regard to USC 1681. 1681 section 604 A Section 2 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.I have not authorized any entity to report this information on my behalf, nor have I received any goods or services from the entity in question. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my Experian, and XXXX  reports. This is NOT my debt. I have reported to Experian and XXXX  and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Mortgage

My father purchased a home in XXXX. At the time of purchase my spouse and I were added to the home as vested owners, therefor we were placed on the title. On XX/XX/XXXX my father passed away. The home at that time was pplaced in the estate as his name is on the mortgage and we needed to get that changed. I contacted the loan company ( at that time it was XXXX XXXX ),  they said just keep paying for now and when the time came to change the loan to contact them it would be an easy process. In XXXX we were approching the end of the estates probate, I contacted XXXX who informed me the loan was in process of being sold to Loancare and I that I needed to wait until aprox XX/XX/XXXX and then to contact Loancare. Once the transfer between XXXX and Loancare was complete I contacted Loancare who first gave me the run around because they had not opend all docments from XXXX stating that I was a titled owner on the home as well as the death cert and my Estate Admin paperwork, so at that point they would not talk with me. I sent them an additional copy of which they still had not updated a week later. I made another phone call about one week later and after holding for one and one half hours I was told the people that handle that were gone for the day. I emailed them and finally received a phone call the next day. I asked my options and they told me I could sell the house, I told them I wanted to assume the loan and please send me the info for the process. Aprox one week later I received the paperwork. I completed the paperwork and included all their requests including the " we may need '' info as well as a {$900.00} money order for assumption fee. I send the paperwork via XXXX XXXX Next day Delivery on XX/XX/XXXX. From there radio silence. On XX/XX/XXXX I emailed a request for update, the update I received was " Good afternoon, Thank you for following up on your assumption request. At this time the request is under review, we are pending a response with a status update from the lender. We will let you know as soon as it has been received. Once again, thank you for following up. 

Please let us know if you have any other questions. '' On the XXXX statement I noticed that the Assumption Fee had beed documented on as received and and paid as of XX/XX/XXXX. 

Upon XX/XX/XXXX I send another email request for followup on the status, at this point I have heard no addition response nor received any documentation from them on the request for assumption. On XXXX, XXXX I send another request for and update, as still no updates no paperwork, they have not stated that they needed any additional information as well. 

At this point this is the only piece of the estate that is holding up the closue of the probate. 

Contact info for this company is as follows : Loan Care attn : Special Loans Department/Assumptions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, FL XXXX Loan Care XXXX
Product: Consumer Loan

I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my XXXX  credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect
Product: Credit reporting or other personal consumer reports

I was in the hospital last year for XXXX month dealing with XXXX XXXX issues. I let XXXX know I was in the hospital. I told them several times. They called everyday. Obviously cause I was late. I told them I didnt know how long I was gon na be in the hospital. Im a veteran so I going through a XXXX program. Near the end of my program they sent me deferment contract to defer the XXXX months. I was late on. I missed XXXX, XXXX, XXXX. So a deferment pushs those payments to the end of my loan. I signed the deferment contract on XX/XX/18 after I signed they hit my credit report with two XXXX  day late payments. For the months that I deferred. Now how can that be if I deferred the payments to end of my loan. You can be late on something you dont have a payment for. Their policy with XXXX is XXXX  your late. I was able to get the one removed. But they will not remove the one for XXXX. Tell me how Im XXXX late on a deferment contract. For payments that were moved to the end of my loan. Even if I was XXXX  days late for XXXX. My payments are due on the XXXX of every month. So signing the contract on the XXXX of may would still not make me late. They refuse to do anything about. I reported it to the XXXX. They said they cant do anything. This is a legal binding document. On top I am being charged over XXXX  % APR the state max is XXXX  %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up with Transunion to get a credit check. 

Upon signing they appear as if it is a free one-ff service. 

In their small print ( thousands of words ) they are in fact signing you up for a monthly service of {$19.00} a month to keep sending you reports. 

Their emails to me do not contain any invoices or amounts charged. 

On my account login portal area with Transunion there is still no mention of the monthly amounts. There is just a list containing random codes which is a record of the monthly payments ( see attached ). 

The only thing showing me the monthly payment amount of {$19.00} is my credit card statement with the monthly reference of : TU TRANSUNION.CA XXXX CA {$19.00}. I have copied of all statements to prove this deduction. 

It took me over a year and a half to realize as I have been out of the country for the last year or so. As soon as i realized I wanted to cancel my account on Transunion 's website i searched for a place to cancel my account. There is nowhere on my account section to cancel account, I had to spend an hour researching other people 's comments on XXXX and they provided me with a step-by-step. Transunion deliberately made it difficult to cancel their service and concealed the information as a much as they could. 

When I spoke with Transunion on the phone I told them how appalling their service was and how can they defraud me like this without me realizing. I said although I saw their emails, nothing ever contained an amount owed or paid so i assumed it was a free monthly update the same way i assumed this was free in the first place. The lady informed me that the charges are mentioned in their small print. How can they get away with this and who reads small print nowadays? A paid service should be highlighted big and bold and you should received monthly invoices stating the amounts. 

The lady on the phone said that all they can do is refund my last month 's payment of {$19.00}, I said I will take that for now but I will also be seeking further action to have all of my money ever paid refunded to me ( hence why I am contacting cfpb right now ). Just because I accepted the small refund did not mean that this issue is resolved, or that I am happy with the outcome. 

Transunion 's website and service is designed to totally mislead a vast majority of the general public and trick them into paying a monthly service without any transparency whatsoever. They are totally a fraudulent company who are making money from people like me 's misery. I feel totally cheated and robbed of my money. 

From between XX/XX/XXXX and XX/XX/XXXX Transunion took a total of 21 payments for the amount of {$19.00}. The total amount taken from me was {$410.00}. 

I want every single payment ever made to Transunion refunded to my card immediately. 

Thanks!
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. The 3 credit bureaus 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hey, my name is XXXX XXXX XXXX and I have noticed on my consumer report. That I see an auto loan that is not related to me. Which in fact, the consumer reporting agency have violated 15 U.S Code 6802 obligations with respect to disclosures of personal information. I need ( XXXX XXXX XXXX ) deleted immediately and removed from my consumer report. For the law 15 U.S Code 15 1681 c-2 blockage of information demands that you file an FTC Report XXXX The account must reflect as deleted and removed from my consumer report within XXXX business days.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report. Over XXXX  days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continued complaint with Experian. Experian has sent ANOTHER credit report to me with the SAME information about XXXX saying the have investigated a dispute and updated my report, ( which is EXACTLY the same ). XXXX was included in a Chapter XXXX bankruptcy in 2018. I AM NO LONGER responsible for ANYTHING to them, and XXXX  knows it. They no longer report to XXXX XXXX OR XXXX, but for whatever reason, EXPERIAN has CONTINUED to allow them to report that payments are late. Payments CAN NOT be late and HAVE NOT been late as it was DISCHARGED. I don't know HOW MANY TIMES I have to continue to DISPUTE THIS until EXPERIAN LISTENS. I am including the DISHARGE papers. XXXX  and EXPERIAN are breaking EVERY law about Fair Credit Reporting by continue to show late payments on something that a JUDGE says I am NO LONGER RESPONISBLE for and haven't been for 2 years!!!!! I don't know how much plainer it can be!!!!!!!!!!!!!!!!! PLEASE take this seriously and put and end to it once and for all!!!!!
Product: Debt collection

I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.