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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion  and XXXX  reports my XX/XX/XXXX my XXXX XXXX XXXX loan increased by XXXX us dollars. I have not missed any payments. The aforementioned amount was suppose to be the amount they obtained for XX/XX/XXXX. My account has not been updated for XXXX XXXX or XXXX. I filed approximately 2 complaints with XXXX XXXX with negative results, ( no investigation basically ). I contacted XXXX XXXX on XX/XX/XXXX and the customer rep told me that my account is current and the current amount on my loan is {$14000.00}. I explained to the rep on the complaints that I filed with no results and that there are no updates on my credit reports regarding XXXX XXXX. The rep also said that at the end of XXXX my account balance was {$15.00}, XXXX. The rep ( XXXX  ) said that she will forward this info to the correct department and someone will contact me. It is XX/XX/XXXX, and no contact and no update on my credit reports. They ( XXXX XXXX  and XXXX XXXX ) are allowing these business records to contain this false information and not identifying the person falsifying these business records, which has a negative impact on my credit.
Product: Credit reporting or other personal consumer reports

Unfortunately my information was leaked in several data breaches, including XXXX. When this was brought to my attention, i pulled my credit report and noticed inaccurate in it. From address to accounts. I was promised privacy and accuracy based on federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Product: Checking or savings account

i was XXXX for a year due to XXXX XXXX i picked up in college. 
my card was used everyday while i was in XXXX, my debit cards and all.my belongings were at the XXXX with the police. 
the charges being made were all online. 
they used up over 14,15,000 $ and my bank is XXXX XXXX me with the 60 days if i had access to my bank or statements yeah i would of reported it right away. there was no way of it being me or anyone i know. i never authorized anyone ....
Product: Credit reporting or other personal consumer reports

Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with XXXX  XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter. 


Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation
Product: Debt collection

P & B Capital Group received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.
Product: Debt collection

I've been called repeatedly for over a year, more than 5 times daily by Portfolio Recovery. They call from private and blocked numbers and call at inappropriate times. 
I have spoken with a representative and asked them what the debt was for, they didn't answer me and they hung up. 
I'm being harassed daily by this company, they've also left messages about taking legal action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a multiplicity of programs designed to assist in credit monitoring and credit repair. They provide regular credit score information if requested. The problem is that none of them provide consistent information and they also provide contrary information to creditors unbeknownst to the consumer of their credit management product. This seems to constitute a form of fraud. 
I recently became aware that there are three different experian credit scores associated with my social security number and a different score that was being provided to a creditor.
Product: Mortgage

Servicer SN Servicing never sent us a loan ownership transfer notice when our mortgage was sold. The XXXX XXXX, new owner of your loan and servicer never notified us within 30 days of the effective date of the transfer. They only transferred in XX/XX/2019 with the court but filed a judgement foreclosure sale before notifying us of transfer. They never sent us notice of the new owner 's name, address and telephone number. 

( and if different, the person who can resolve issues concerning your loan payments or any right to rescind the loan ), They sent information with contradicting dates of transfer, a year after the transfer apparently took place, and never advised us whether the transfer of ownership is recorded in public records. 

We became collateral damage in their transfer process. 

They filed with the court immediately for judgement foreclosure and sale. They are still attempting to sell our home via court, without any genuine effort to modify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute an inquiry on my credit report that was made on XX/XX/2023 by a company called XXXX XXXX. 

In accordance with the fair credit reporting act. The inquiry above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 consciously avoids knowing that the information is inaccurate. 


The inquiry was made without my permission and has negatively impacted my credit score. I request that this inquiry be removed from my credit report immediately. 

I have reviewed my credit report and have determined that the inquiry was made by [ creditor/company ]. I have no knowledge of this inquiry and did not authorize it to be made. Therefore, it should not be reflected on my credit report. 

As you are aware, the Fair Credit Reporting Act requires that all information on a consumer 's credit report be accurate and verifiable. The inquiry in question is neither accurate nor verifiable, and as such, it must be removed from my credit report. 

I request that you investigate this matter and remove the inquiry from my credit report within 30 days. 

Thank you for your prompt attention to this matter. 

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

Trans union reps keep telling me that they are the fraud department when they arent. They talk over me and transfer me endlessly and my concern is still not solved. I called in today and was transferred to five different reps, one twice and still no one could help me. The rep told me that I would need to look at my credit file. I told her that Im looking right at it and thats why Im calling in to speak with someone about it and she hung the phone up even though in the beginning the call they ask for your email and telephone number in case call gets disconnected. She never called back which means she hung up on purpose. Ive paid for membership and fraud protection and Im not getting help with eaither one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois Docket # XXXX USBK Court XXXX Illinois Docket # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has reported my payment status as between 30-90 days fromXX/XX/XXXX through XX/XX/XXXX. I have had numerous issues with them over billing. I have been paid up a month in advance since XX/XX/XXXX Example -- XX/XX/XXXXwas paid in XX/XX/XXXXXX/XX/XXXX paid byXX/XX/XXXX and so on. I have been paying biweekly since then. The minimum payment due at the first of the month was {$120.00}. I paid them {$65.00} bi-weekly without fail. When I discussed this with them and filed a complaint with CFPB in regards to almost {$500.00} in late fees, they reversed the late fees, but refused to remove the reported late payments from my credit report. This is the only account I hold which shows such poor standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all XXXX, Transunion, and XXXX and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?
Product: Prepaid card

Ref complaint XXXX Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX  times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/year>. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. XXXX of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.
Product: Debt collection

This debt is considered a charge off, however this is actually considered income, because I should have received a 1099 C in order to account for this as income .This is not a charge off. I am requesting that this is removed., because it is not debt. This is considered income and income should not be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit card

I was attempting to use my PayPal Account to pay for an electronic fax on the website XXXX. When I clicked on the pay with PayPal tab, I was prompted for personal information to confirm my identity in order to check out. The payment process was misleading, as the consumer is led to believe they are simply confirming it is them who is attempting to use the account. In reality I was signed up for a PayPal credit account, that I never wanted. There was nothing that clearly identified the fact that I was signing up for a credit account. It will now show as an inquiry on my credit report, and it will show that I had this account and closed it. I immediately called to close the account, and did not have any problems with the company in that aspect of this issue.
Product: Debt collection

XXXX Unfortunately you closed the case without listening to me? 
I just received a letter from this company and I am sending it to you..that letter shows that this medical bill is not mine.The name is on the letter is not my name. 

THIS MEDICAL BILL IS NOT BELONG TO ME. 
AND THE PROOF IS ATTACHED.PLEASE RESOLVE THE PROBLEM. 
THANK YOU I sent you all the information under the case XXXX please look at it.
Product: Consumer Loan

At XXXX XXXX on XXXX XXXX, 2017, there was violent pounding on my front door, repetitive ringing of my door bell, and flashlights shining in all my windows. I called XXXX. When the police arrived, they announced a gentleman was looking for a XXXX XXXX. Turns out, the recovery agent at my door was looking for my former spouse. I was NEVER on his loan, NEVER on the vehicle title, NEVER a co-signer, etc. I did not live at my current address when my ex opened the loan, so it 's unclear how the lender obtained my address. The recovery agent told me, and the police that I was on the loan. I advised I was not. I asked for proof that I was on the loan, and he would not provide it, because of course, there was nothing to provide. The recovery agent threatened return with the sheriff. Once normal business hours rolled around, I called the lender and advised them that their agent violated the Fair Debt Collection Practices Act, as well as threatened me. I also wanted to confirm I was not fraudulently added to the loan. By giving my ex-husband 's information, they could confirm I was not on the loan, and did say they would enter a cease and desist order for me and my property. The lender did have my name and address. I was NEVER listed a reference on my ex 's auto loan. Lender advised they got my information through a skip-trace service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX  a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.