23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company continues to make multiple phone calls within a day. I've reported this to them on multiple occasions and asked that it cease. They respond with an apology and then they tell me how many times they " see '' that they've called, yet it doesn't stop. Most recently on the following dates and times this year : XX/XX/XXXX, XXXX XXXX   ; XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX c.s.t. Generally, the first one/two calls they won't say anything and they disconnect the call and by the second/third call a collector is on the line and this goes on monthly. I've advised them that this is harrassment and they need to stop. I owe them approximately $ 3k inclusive of past due and late fees. I was paying on time until my car broke down twice in one week and other circumstances beyond my control causing a downward spiral pushing me further behind. I immediately contacted them asking for a payment program on multiple occasions to help me stay on track and they continuously refused assistance. They told me to pay what I could, which I was doing but at times a week after paying, here come the calls once again, and with the late fees and interest it became too much for me to handle. I continued to pay the minimum monthly payment which wasn't doing anything at all so they advised me on what they had to do as collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the Following accounts as I believe these accounts reporting in error. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my XXXX XXXX opened a Credit Card with Capital One. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. XXXX  and XXXX  will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at Capital One that this was a business account, not a personal account. Repeated inquiries to Capital One were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Mortgage

I have made several payments in addition to my regular monthly payments. I have never missed or been late for a payment and have actually paid ahead of the amortization schedule. 
Each time I make an additional payment, even notating it as pay down on principle, the company, Dovenmuehle mortgage company, holds the payment in limbo until they receive what they deem to be a full payment. They do not credit the money to my account on the day they receive it, but instead wait until other payments come in that total up to or exceed a monthly payment total. For instance in XXXX I made two additional principle payments of XXXX and XXXX dollars. The last of these was made on XX/XX/XXXX. As of today it has never been credited to my account. I called them last Tuesday XX/XX/XXXX to ask why this was so. They said it is their policy to NOT credit anything until another full payment amount is received. I asked specifically that they credit the XXXX dollars to principle and do it as of the date they received the money ( XX/XX/XXXX ) they said they would have to clear that with a supervisor and it would take at least 5 days and they doubted they could back date the payment. This seems a violation of many laws and truth in lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

XXXX WRONGFULLY discharged a XXXX BALANCE SUBMISSION TO XXXX, was handed over to very UNPROFESSIONAL acting Debt collection service company called " Professional Credit Service '' of which whom made threatening harrassing phone calls, NEVER ONCE ADMITTING TO MAKING THREATING CALLS, BUT DID N'T EVEN BOTHER TO LOOK AT A XXXX BALANCE BILL!! INCREDULOUS! XXXX FINALLY MADE RIGHT THEIR WRONG, BUT PROFESSIONAL CREDIT SERVICES, STILL HARRASSING & VERY WRONG IN THEIR ACTIONS, OWES " ME A PAID IN FULL NEVER OWED CREDIT IN FAVORABLE STANDING LETTER AS PER XXXX LETTER STATES '' OR LEGAL ACTION PENDING WILL BE CARRIED OUT HENCEFORTH!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is already been paid on full I ask them to deleted they refuse same as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, fig possible
Product: Credit card or prepaid card

Comenity Bank offers an XXXX XXXX XXXX and they advertise that they will provide XXXX  XXXX reward points for all spend at XXXX online or instore. Upon an audit where I thought I should have more points than they are allocating, I see that they have only been providing XXXX  the points for my spend at XXXX. I primarily only use the card for XXXX purchases. I realize its net spend ( exc taxes ) but they are not giving me the correct amount of points. I went back to XX/XX/2021 as this is as far back as I can go, and there were never XXXX points provided. I have copies of my points account and my credit statements to show spend was at XXXX. By my calculation, I should have another XXXX points. I dont believe I have ever received the correct points, even going back beyond XX/XX/2021. This is false advertising, plain and simple. If they only want to provide XXXX points, then change their site. I have contacted them on several occasions and they state they will look into it and then ignore me. I Lodged a complaint with the XXXX  and they ignored that too and XXXX  closed the complaint. XXXX themselves do not take any responsivity as they do not run the credit program
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to possibly solve a situation I might be having. 
I notice 2 inquiry on my account a few months ago and I have tried to contact Experian regarding this issue. The inquiry do not have my authorization and should not be their. 
This is hurting not only my credit but my ability to help my small business. 
dates XXXX ( XXXX XXXX ) XXXX XXXX
Product: Debt collection

I contacted Midland an requested validation of a XXXX debt. Midland did not respond and disclose validation. Midland violated my rights.
Product: Debt collection

I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I traded my car in on XX/XX/2016. Ally reported that I missed payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the past three months I have been trying to work with them and XXXX XXXX XXXX to get this corrected. However, they have not made the correction to my credit report.
Product: Credit reporting or other personal consumer reports

I have already paid off my debt to XXXX, so I no longer owe him any money. Although I called XXXX and requested an update on my credit, they advised me to wait for about two weeks for the credit inquiry to be removed. I have diligently made all the necessary payments to XXXX XXXX, even though I was only late for one payment. However, despite my timely payments, my XXXX and equifax report still shows that I owe a debt, which should have been closed weeks ago according to XXXX. Additionally, every time I contact XXXX, they ask me to wait and now they are blaming XXXX for this issue. Unfortunately, this situation has negatively impacted my credit score, so I have decided not to borrow from XXXX anymore if this continues to be the case
Product: Debt collection

XXXX XXXX XXXX- XXXX and XXXX will not remove this debt they have placed on my credit report. I never attended this college nor any college associated with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with Experian, XXXX, and XXXX. The discrepancies in the reported data are significant and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a breach of privacy, as my personal information appears to have been mishandled or improperly shared. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian : No late payments reported XXXX : Was 90 Days Late XXXX XXXX XXXX : No late payments reported Violations and Impact The discrepancies between the credit bureaus in terms of the date last active and payment history are severe. The inconsistent reporting of late payments, with XXXX indicating a large number of late payments while Experian and XXXX show none, is particularly misleading and damaging. Additionally, the potential unauthorized sharing or mishandling of my personal information with third parties constitutes a serious breach of privacy, causing undue stress and potential harm.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized handling or sharing of my account information, particularly with third parties, constitutes a breach of my privacy rights. This includes disclosing sensitive information without proper consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX  XXXX {$100.00} 12 ) XXXX {$20.00}
Product: Credit card or prepaid card

XXXX DCSS child support XXXX card is terrible. I have called over 12 times in 2 weeks and no one can help me OR its temporary. I can not access the money. I have an XXXX  state issued child support that the funds are put on the card. Im located in XXXX WHICH support the XXXX card. I can not with draw the ChILDS funds. XXXX limits the amount you can receive, all white listed has limits on the time you can use it, I now can not reach anyone by phone. These are court ordered funds that are for the child that I now have no access to. The previous Bank XXXX XXXX card worked perfectly anywhere in XXXX. I need to have access to my sons funds. I was told by XXXX it may or may not work? Really state issued support and I have to fight with a 3rd party and still no answered. Ther3 is money sitting on this card that the child has no access to.
Product: Credit card or prepaid card

I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX XXXX  Amount : {$0.00}
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles, handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.