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

Loan was discharged in XXXX Bankruptcy Statebridge purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB Statebridges records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Product: Debt collection

On XX/XX/year> I received a text message from number XXXX saying that Credence Resource Management LLC was attempting to collect on a debt in the amount of {$1400.00} and that I could settle for {$950.00} if i paid by XX/XX/year>. I printed a debt verification, filled out and mailed it on XX/XX/year> saying that I am not denying or agreeing to the debt but I would like verification. No one has contacted me even though I put all of my contact information.
Product: Student loan

I was attending the college of XXXXXXXX XXXX XXXX XXXX I was on XXXX XXXX for a semester because my XXXX was down. Last semester, I have passed of my classes and I expected my XXXX to rise in order to received my financial aid that I have worked hard to gain again. Only for them to still deny me of my financial aid and they decided to pile up on the debt that I had to pay off.I relied heavily on my financial aid to pay those off and I felt extremely blindsided. I even contacted the Financial aid office and the XXXX XXXX XXXX XXXX, only for them to still keep the hold on me. I couldn't even register for classes since XXXX of XXXX  2024 and I desperately need to do so before XX/XX/XXXX. I felt not only lied to, I felt that this was deliberate and I don't know why. Please help me as soon as possible. I really need this
Product: Mortgage

On XX/XX/2022, contacted Fay Servicing , LLC regarding contract term that is reflected for 48-years maturing XXXX. However, I believed the agreement to be for 40-years maturing XXXX, that is eight ( 8 ) year term difference, I included the loan number XXXX for reference. On XX/XX/2022, Fay Servicing , LLC communicated not able to find my records with the information provided ( loan number XXXX ) and requested I send the name on the account, last four # of ss, and address of the property, which I forwarded XX/XX/2022. I also explained to Fay Servicing why couldn't find account with the loan number that is XXXX, so I resent the full loan number XXXX. This is the third situation with Fay Servicing , LLC that makes me wonder of business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 5XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On or about XX/XX/2020 I received a notification, i believed was from PayPal that I was charged for a computer security subscription for {$380.00} that has since been removed from the account. There was a contact number on the charge to call and when I reached a representative named XXXX XXXX who represented himself as the PayPal fraud center he began scamming me to remove the charge. 
He directed me to use a computer sharing application called XXXX XXXX  so he could assist me in resolving the charge. Unfortunately I agreed and the scam began. 
As you can see from the transaction in my PayPal transcript several debits and credits from various individuals were placed in the account and to clear the accounts they need me to provide a payment of {$950.00} to clear the account. I agreed to provide payments though PayPal, However, he said that because there was potential fraud the money had to be sent by other means so Venmo was the vehicle they asked me to use. The process was extremely confusing and believing I was working with PayPal I agreed and sent {$950.00} to XXXX and immediately knew I made a grave mistake. 
I looked at the account XXXX had provided to credits from a XXXX XXXX of {$890.00} and {$390.00} ( the initial charge from the security service ) totaling {$1200.00}. 
I then transferred the {$1200.00} to my bank account to cover my {$950.00} payment to XXXX on Venmo. XXXX said that the transfer was to cover the {$950.00} and to send him the balance to clear the issue. When I finally realized this was a scam I disconnected the engagement and refused any further conversations. When he/they realized that I had the money and was not going to send them any money there we two days frantic emails and texts trying to get me to respond. 
I then received a PayPal notice that there was a negative balance of {$1200.00} that had to be paid back because the XXXX XXXX payments were cancelled. 
I wanted to clear this issue and called the PayPal number on the site and got a rep named XXXX XXXX XXXX and he wanted to again use XXXX XXXX  to get into my computer and look at my account. I asked him why he could not see my account if he was PayPal? He said it was frozen and I needed to show him the charges. 
I told him I would only pay the balance if I could pay directly into my PayPal account but he told me he can not open the account and that I could go get PayPal gift cards and then provide him the card info and pay it that way!!! 
Alarms immediately went off and I stopped all communications again. 
I have been scammed and feel very embarrassed that I allowed myself to be scammed. I hope you can help me with this issue and also stop them from doing this to someone else. 
Regards XXXX XXXX
Product: Money transfers

I was scammed by a company recruiter into sending someone {$800.00}. I was given a counterfeit cashier 's check to put into my bank which I did. After sending a vendor for that company {$800.00} for work equipment fees, the counterfeit cashier 's check bounced and as a result I 'm not at a loss of {$800.00}. I contacted MoneyGram, the money transfer service utilized in the transaction to see what they can tell me about the receiver but they stated they would not help me and did not give me a concrete reason as to why they would n't help me. That is why I am complaining about them here. I do not know if they are in conjunction with the scammers or what the situation is but their unwillingness to help their customer ( me ) is shocking and completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax pretends to address disputes sent on this platform, then tells the CFPB that they checked with the creditor but in reality never did. Instead they send the attached letters numerous times, continue to report the same errors on my credit, when I run them on the XXXX of each month. I submit proof in the complaints in black and white, with highlights on them, hand written and typed notes explaining what I'm seeing etc., yet they still submit fake answers to the CFPB complaints to adhere to some time line they're given. All LIES in their responses to the CFPB just to close the complaints and try to get rid of me. It won't work and I won't be gotten rid of easily. It is time to sue this corrupt company. This letter pertains to complaint # XXXX. This letter really tells the CFPB they never acknowledged my complaint nor contacted the creditors. They didn't acknowledge any errors they've made on the dates on any of my accounts, nor did they actually acknowledge that they continue to report them all as opened and in use in the year 2023, and state " pays as agreed '' when that indicates the account is still open, when it's been closed for many, many years! In many cases they're about to fall off this year and next. They're not honoring the disputes, that needs to be noticed and CFPB needs to step in now.
Product: Credit card or prepaid card

In error I selected a gift card credit card issues by Chase on my XXXX order page. I want all purchases charged to my personal debit card from my bank. I have made this request several times by telephone, however this company continues to charge purchases to their card and send me invoices. There were two charges on XX/XX/XXXX in the amount of XXXX which I paid by check. Just recently I received another invoice for {$40.00} due on XX/XX/XXXX. These purchases were supposedly made on XX/XX/XXXX in the amount of XXXX. Nothing makes sense with this credit card company. 
Again I have asked several times to have this account closed and the card cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with TRANSUNION throughout the year via CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. Documentary proof has been uploaded through every complaint placed through the CFPB portal and will be used as exhibits in district court. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )
Product: Credit card or prepaid card

American Express posted a transaction marked as fraudulent to my bill and then reported the transaction to credit bureaus, misrepresenting my credit utilization. This mode of erroneous credit reporting possibly results from automated processes, so many American Express customers may be affected. 

My experience entailed the following events : - XX/XX/2022 : American Express ' fraud prevention team sent email and voice notifications of a suspicious transaction on my card. The email notification indicated that the charge was denied at point of sale. I spoke with a fraud prevention team representative to confirm that the transaction was fraudulent and to request issuance of a replacement card. The representative communicated that the charge was prevented and that a new card would be issued. 
- XX/XX/2022 : I inspected my transaction activity to make a payment before my statement closing ( day-of ), and noticed that the fraudulent transaction had posted to my account. I submitted a dispute and called American Express for clarification. A representative stated that the posted transaction was separate from the transaction previously marked fraudulent, despite the transactions having the same source, date, and amount. The representative offered no solutions for adjusting my bill statement or subsequent reporting to credit bureaus. 

As my experience indicates, there are flaws in American Express ' fraud prevention and credit reporting processes that can result in misrepresentation of their customers ' credit utilization. Because utilization is a key attribute in credit scoring, these errors adversely impact affected customers ' attempts to acquire new credit ( approval or pricing ). If the flawed processes are automated, this is a systemic issue that could affect many American Express customers.
Product: Credit reporting or other personal consumer reports

Source : XXXX  Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : IQ DATA INTERNATIONAL Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX WA XXXX This debt is past the XXXX  year statued of limitations in Washington state XXXX XXXX, this has been removed from XXXX, but XXXX fails to do a proper investigation, in turn violating my rights. Please assist with seeing my rights be upheld. I have been trying to correct my credit and this has a major impact on the road to recovery even though it should no longer be on my report. 

Thank you so much for your time, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from IQ DATA INT'L that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The XXXX XXXX of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that IQ DATA INT'L is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with TransUnion and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXX PM XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to TransUnion and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. 

When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX 

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: Mortgage

When I purchased my home, I used the Georgia Dream program, which gives {$5000.00} towards closing costs and down payment. I was told it would be a 2nd lien on my property, but that it would go away after 5 years. I just learned that it does not go away and has to be paid back upon refinancing or selling of the property. I have spoken to other people who signed up for this program and they also thought the lien would go away after 5 years. There is not enough information online regarding the Georgia Dream program and I could not look this up to verify it. It is not fair to market something like this only to find out later that it has to be paid back unless you stay in the house forever.
Product: Payday loan, title loan, or personal loan

in XX/XX/2019 I took a title loan out. Agreed was {$1000.00} pay in return {$1100.00}. He wrote down how the payments would be for the 1st 5 month. The first would been {$160.00} and then each month {$130.00} every month on the XXXX XXXX. I paid in XXXX {$170.00} in XXXX XXXX in XXXX {$140.00} in XXXX {$140.00} and XXXX {$150.00} always before or the XXXX XXXX of each month so on time. When I made my payment in XXXX the lady told me I dont have to come in I can pay it over app which I did. In XXXX I called and told them I was suspended due to medical condition and been suspended since the XX/XX/XXXX with no pay. And no unemployment, I had a hearing about it yesterday. So my daughter and I which is a minor we live of {$300.00} child support, however I never missed a payment. When I went in on the XXXX this month the guy wanted the {$150.00} I paid plus a additional {$220.00} which is more then the remainder balance of {$360.00}. And on top he wants to refinance a new loan of {$750.00} which I told him I wound due. All I got is the {$150.00} I pay {$730.00} and I will pay the remainder in monthly rates until paid in full. He wrote everything on a sticky note I got a flyer nowhere stated I had to take a other loan. Besides I am from. Forgin country and English is not my first language. He told me this is how they make money. Well I am sick I was suspended with no pay even so released to work. I wait on the result of the unemployment hearing so in the mean time I only have {$300.00} which is child support. However I was never late. And being treated like this because I am a forgin resident is discriminated. I had a witness with me and it was never stated this is how they work.
Product: Debt collection

Caliber Home Loans holds the mortgage on my property. I am currently over 6 months behind and my house is in foreclosure. Caliber Home Loans is using a call screener to repeatedly dial my on an automated recorded call. The call comes in from multiple numbers and comes in multiple times a day. most often the call comes around lunch or around dinner.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I went to CVS to send {$400.00} + {$9.00} fee to receiver XXXXXXXX XXXX XXXX XXXX in XXXX XXXX XXXX. Once I completed my transaction then call the receiver and was told the name was incorrect, so unable to pickup the fund. I waited for awhile before the check back with receiver and were given correct name XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called moneygram immediately and was told the money has already pickup. This doesn't make sense to me because if incorrect name then the transaction can not be completed. Moneygram takes all information and said it will investigate. I don't trust the way how moneygram process, so decided to report my complaint with evidence and information of the parties involved and get a resolution.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX 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 XXXX 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