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

Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by Midland Credit Management on Behalf Of XXXX XXXX, XXXX & XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And XXXX XXXX Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX Back On My Account Im only reporting fraud On The accounts Midland Credit Management keep bothering me about ( XXXX & XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the Midland Credit Management to complain ... I also just received the police report of my car being stolen from the front of my house!
Product: Credit reporting or other personal consumer reports

I was incarcerated from.XXXX to XX/XX/year> Several.items on my credit report are not mine and should be removed because I did not do them and was XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as follows XXXX. XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX ky XXXX XXXX XXXX  {$2900.00} XXXX XXXX  XXXX XXXX XXXX MD XXXX First XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  SD Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these from my credit report pursuant to title 5 and title 15 of the privacy act and credit report act I was not giving anyone permissible purpose to send my personal information to 3rd party reporting agencies nor have I signed any contract stating I agree to have my personal information reported by 3rd party reporters or credit bureau
Product: Debt collection

Portolio Recovery Associates LLCThis company, in which I have never been contacted before ( have had the same cell phone number for over 8 years XXXX, had contacted me on my cell phone and stated that I owe a debt to them. 

I asked them to provide all information regarding the debt including : who the original company was, proof of my authorization on all original contracts, how many other collection agencies prior to them that was involved in this debt collection, etc. 

The person on the phone could not answer any of my questions and insisted on stating that I owe them money in the amount of {$700.00} dollars XXXX or similar amount ). And I need to pay.
Product: Debt collection

An email was sent to me saying that I owe a debt and that I will be sued for this debt. They communicate a threat and they use speedy loans name Logo
Product: Student loan

In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I  had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX   with a XXXX XXXX XXXX. 

XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. 

XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. 

XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. 

XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. 


I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.
Product: Checking or savings account

On XX/XX/year>, I purchased a mentorship program called XXXX XXXX from XXXX for {$1500.00}. The payment was processed through navy federal XXXX advertised this program as a professional mentorship service, but after making the payment, I did not receive the promised services.
Product: Credit reporting or other personal consumer reports

I HAVE MADE MULTIPLE REPORTS AND YOU ARE IN VIOLATION OF ( 15 u.s.c. 1681 ) : I reviewed my credit report recently and noticed an account that was not reporting accurately, I had an INCORRECT LATE PAYMENT MARK on an account that I in fact paid on time. Here is the Account details with an INCORRECT LATE PAYMENT MARK. According The consumer reporting fair credit reporting act ( 15 u.s.c. 1681 ) agencies, MUST report all information with complete accuracy, this account has not been late on payments I have attached a copy of my report to this complaint on the following date ( XXXX ) for account : XXXX XXXX, XXXX I'm now requesting you EQUIFAX XXXX NOW IMMEDIATELY UPDATE this account and update the payment on ( XXXX XXXX ) FOR XXXX XXXX XXXX XXXX to paid on time immediately BEFORE FURTHER LITIGATION PROCESS. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Have leased XXXX vehicles through Ford Credit. Flawless payment history until the end of each lease when trading vehicle in for new lease. Both times vehicle was turned in, there were issues with the bank and dealership and payments reported as late. Have tried resolving these issues on multiple occasions.

Ford Credit customer services just says to dispute them on credit report. I have disputed them and no change. They stated there was a charge off of {$300.00}? Its always at the end of the lease with no other issues during. Ford Credit is the only negative remarks on my credit report during my entire life. I have had multiple other vehicles financed and have never missed a payment. Will not be renewing this current lease with Ford and will never by a Ford vehicle again. While looking into this, I found multiple other people suffering from the same issue with Ford Credit. It seems to be a common issue, and I caution anyone to lease a vehicle from Ford.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX.. .... responsibility is incorrect, which EXPERIAN fraudulently continues to report in BLATANT violation of 18 U.S. Code 8 and 31 USC 5118 ( A ) ( 2 ) Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/year>, XXXX. XXXX, XXXX XXXX. XXXX. ) THE ABOVE ACCOUNT IS AN OBLIGATION OF THE UNITED STATES.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable
Product: Credit reporting or other personal consumer reports

I have been victim of identity theft. My personal information has been used to obtain goods and services. I contacted Equifax and told them that this COLLECTION are fradulent and provided proof. even though thet told me that this COLLECTION were verified. Please dispute and remove this fradulent Collection from my credit report XXXX ILLINOIS XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX ILLINOIS XXXX XX/XX/year>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following the resolution of an issue previously addressed with the Consumer Financial Protection Bureau ( CFPB ), an error that initially appeared on my XXXX credit report was corrected. The corresponding report numbers are XXXX and XXXX. Subsequently, this error began appearing on my TransUnion credit report, starting XX/XX/XXXX, incorrectly stating that the account was charged off. This ongoing issue is highly frustrating. 

Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), all inaccurate or incomplete information must be rectified. Accordingly, I filed a dispute with TransUnion on XX/XX/XXXX. However, as of today, XX/XX/XXXX, this dispute has regrettably been denied, which constitutes a clear violation of the FCRA. I have reattached both the statement files and an image of their denial notice for your review. 

Furthermore, on XX/XX/XXXX, I requested my XXXX account statements from my XXXX XXXX XXXX account, which I failed to receive. I made a subsequent request on XX/XX/XXXX, yet as of today, XX/XX/XXXX, I still have not received the requested statements. 

Lastly, the language used by XXXX XXXX in their reporting is ambiguous and misleading. The phrase " Consumer disputes after resolution '' has been reported across credit bureaus and does not accurately reflect the ongoing misreporting of information.
Product: Credit reporting or other personal consumer reports

Following 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.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX - Creditor Name : XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX.
Product: Checking or savings account

My accounts were closed with capital one because they suspected fraud at the time and due to a ongoing review on accounts Capital one decided to overturn their decision and allow me to bank with them after they noticed that there was never any fraud committed on the accounts. After the decision was over turned a representative reached out to me to inform me that my relationship is no longer ended with capital one and I will be able to apply for new accounts ( checking, savings ) and I informed the agent at the time that capital one reported me to early warning systems do to the suspected fraud on the account. The agent advised me that even though it was reported to early warning systems that a capital one representative manager will be able to override the system if it denies me after I apply.
Product: Credit reporting or other personal consumer reports

Trans union credit reporting agencys shows XXXX fraudulent inquires, please remove all fraudulent inquirys listed below inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I first purchased the vehicle the dealer had said I would be able to get lower interest within a few months. Then I realized that I was paying 10 % interest DAILY. which is insane. my interest charges are 10 % which I believed would be the monthly interest but it turns out its basically a 10 % interest daily. Im just XXXX years old with a XXXX loan at 10 % which to me is ridiculous. I wanted to see If I can get any sort of help because I'm only stressing myself out not only with this type of payment but also with college added on. Please let me know what I can do, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft SYNCB/AMAZON Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 21 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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

I discovered a credit bureau report from XXXX XXXX that I did not authorize.
Product: Checking or savings account

A wire transfer in amount of {$3900.00} was sent from a TD Bank branch located at XXXX XXXX XXXX, XXXX, CT, today on XX/XX/year>. The rep whom attempted to handle transfer, XXXX, was not trained on how to do wires, had to have a second rep assist her, initial transfer was canceled, did not go through, second attempt made which appears is currently pending, entire process took a good 30 mins while my driver was waiting, reps would not waive domestic wire fee in amount of {$30.00}. Prior to visit. I called the branch, spoke with XXXX, was advised an appointment is not needed but to arrive after XXXX which I did, still received poor service including lengthy 30 minute process time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on your paid subscribers ( vendors ) platform. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report Police Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 
Kind regards, XXXX XXXX XXXX SSN : DOB :
Product: Consumer Loan

I have been paying on a car that I purchased 3 years ago for {$15000.00}. My loan is through Santander. According to my payment history I have paid {$15000.00} to date. Santander says that I still owe over {$13000.00}. My payment history shows that the majority of my payments through-out the years posted totally to interest and not towards the principle at all. My loan has an interest rate of 15 % and based on the figures they have charged me 50 % to 100 % the entire time.
Product: Credit card or prepaid card

Bank of America is opening a promotional credit card without customer 's approval and adding promotional balance transfer from credit card to checking account. All these transactions and opening a new Credit Card are not approved by me. I would like to investigate this matter and prevent this in future.
Product: Credit reporting

Applied for an XXXX XXXX XXXX credit card ... ..was turned down! My credit has always been excellent! When I received my letter in the mail the reason why was based on the applicant was deceased! Im alive and well ... .not sure where to go to clear this up! Thank you
Product: Debt collection

My ex-husband is a XXXX in XXXX, CA. 
We have been divorced since XX/XX/XXXX. 
Back in XX/XX/XXXX XXXX XXXX XXXX, XXXX stole my identity, and I had to contact the FTC ... file a formal complaint, and it took years to fix. 
His whereabouts are kept ( all his bills are being paid, etc ... ) secret by XXXX XXXX XXXX, as well as his younger brother who is XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. ( extremely XX/XX/XXXX. has FAILED to hold up to his oweth as an XXXX XXXX XXXX XXXX ). 
Now I am receiving NEW letters via USPS from collection agencies and attorneys who state that I am in default of payment to credit card companies, yet AGAIN. 

My credit score shows 3 different credit card balances which were NOT opened by me ; XXXX XXXX XXXX, XXXX uses the unique spelling of my name, and has copies of all my personal data. He waits until I go to great lengths to fix my credit, and then re-applies for whatever credit card company he's able to trick into giving him a line of credit in my name, under my social security number & date of birth. 

He is a dnger to the community. A hopeless XXXX, and has been allowed to thumb his nose at the Judicial System for over 25 years, thanks to his immediate family. 

He is in default of his court ordered child support which dates back to XX/XX/XXXX. 
What is wrong with this country?