23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.
Product: Payday loan, title loan, or personal loan

I received an email from XXXX XXXX stating there was a change to my account on XXXX. 

Upon further investigation through the app I discovered a false claim that I had withdrawn a payday loan on XX/XX/2020 in the amount of {$1100.00} from XXXX XXXX. ( This is how XXXX XXXX has it listed ) Outside of the TV commercials, I can only assume that it is XXXX XXXX. ( it has some weird guy in a cape offering money in the commercial. ) I do not take out payday loans. Even during this covid-19 crisis I have no need to get a payday loan. 

I will also point out that my credit score was in the mid 700 's but this hit knocked me down to the mid 600 's. 

I assure you that a credit score in the high 700 's does not come from having debt. 

I tried to contact the creditor accusing me of this debit ; Midwest Recovery Systems but this seems to be a fraudulent company. 

When I call, they claim to have high call volumes and put me on hold. There is no music and then after two and a half minutes they ask that I leave a message. I have tried this multiple times with the exact same result. 

I left a message only stating my name and phone number with no other details. This company has not returned my calls and I am not comfortable using their email contact as they are asking for personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the XXXX Data Breach which may have resulted in my information to be in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days. 
Per XXXX credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to Equifax, XXXX & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent equifax my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Product: Credit reporting

Equifax put a fraud alert on my credit for what reason, I do n't know. The problem is that I am not able to get credit because they did not include my phone number on the Fraud alert. I called and wrote Equifax asking them to add my phone number to the alert or to remove the fraud alert. Each time I do that Equifax put a brand new fraud alert on my credit. I was denied credit for the fourth time with XXXX XXXX XXXX because of the fraud alert. This has been going on for a year
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I do a deferment they tell me one thing and when I call back its something different Also I question them on my loan to go somewhere else to get a better loan they put wrong information on my credit report when I have all the payments I made they did that after they found out I wanted to get away from the fraudulent company I read their reviews and all that was explained on review I am going through the sand thing lied and said I was late 4 months straight when I have my payments for each month I will send proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}
Product: Debt or credit management

XXXX XXXX did not sign the mortgage note. They have produced fraudulent transactions under XXXX XXXX. XXXX XXXX is not the owner of the property and they are committing mortgage fraud documents and violation of charges against illegal activity in this case. We have asked multiple times to produce the note signed under the name XXXX XXXX. Remove all mortgage fraud documents and to dismiss the foreclosure proceedings due to fraud. Its a felony crime for XXXX XXXX XXXX XXXX XXXX XXXX, successor trustee to XXXX XXXX XXXX, XXXX, as trustee for the XXXX XXXX trust XXXX. Does not own the note. Theres fraud upon the court.
Product: Credit card

I was not receiving bills from Target red card. While reviewing my expenses I noted I missed a payment and contacted the company to send me paper statements. The following month, I again received no bill. I received an email informing me my payment was late. I immediately paid the bill. Target then lowered my credit limit by XXXX resulting in an XXXX point credit score decrease and cited multiple delinquent accounts. I have no missed payments, no delinquent accounts and up until Target fraudulently lowered my credit limit I had a credit score above XXXX. Target is committing credit card predatory lending and fraudulent abuse of credit limits. I am going to pay this card off and close my account but want a complete investigation into their fraudulent practices.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the Bank of America website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the Bank Of America auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of Bank Of America for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The 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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method they purport that I gave permission. 

Please include documentation of said permission. 

Thank you, XXXX XXXX
Product: Credit card

3 things : # 1- I called Synchrony Financial ( aka Care Credit ) on XXXX/XXXX/2016 to make an allocated payment to a deferred interest charge due in XXXX for {$110.00}. The agent I spoke to said he completed the allocation successfully. He did not. When I called today, XXXX/XXXX/2016 I was told that my closing statement occurred on the XXXX so the allocation did not go through. There was no notification to me. 
# 2 - In speaking with the agent today I found out that any amount charged under {$200.00} shows up on the statement once only and after that, it does not show up nor is it visible anywhere on line. These amounts accrue 26.9 % interest. This seems extremely deceptive to me. I am on top of my account with them, I always take care of deferred interest charges on time but if there is an amount under {$200.00} that is not showing up anywhere on my online account or statement that is accruing 26.9 % interest behind the scenes it seems intentionally deceptive to leave that amount invisible to the consumer. My request is that they be required to show the interest accruing amounts under {$200.00} just like they show every other transaction activity so the consumer can accurately see what they are being charged. Seems like common sense unless you are trying to defraud people or like the mortgage companies did or if you are purposefully intending to entrap people. 
# 3 - I have called Synchrony Financial/Care Credit periodically for information over the years I have been a customer. I have been given so much misinformation over the years that again, seems deceptive. When I called on XXXX/XXXX/2016 and was told the allocation was successful and it was n't and there was no notification to me, that same agent told me that the minimums due that show on my statements are generated to pay off the balance due in the time frame it is due. He said ( quote ) " people think that if they pay more that their balance will go down but it does n't. You can pay more but the minimum will pay it off in the time due. '' I suggest that you get the recording of that call. I ca n't tell you how many times I have been given incorrect information like this. Please do something about this company - they are taking advantage of people who are at the bottom of the credit totem pole.
Product: Mortgage

About 2013 I had lost my house because it was unable to sell. The loan amount was alot more than i could actually get for it. The house went into foreclosure. The house sold on XX/XX/XXXX for XXXX. The XXXX mortgage with a balance of XXXX was never taken care of. between XX/XX/XXXX and XX/XX/XXXX i have tried to communicate with them about this matter, they would say ok we will note that the house has been sold and yes it should of been taken care of but in the years it has still been on my credit report saying late/ non payment. I called them again today and i was on the phone for 1 hour and 5 mins. transferred to XXXX departments and no one could help me. At the end they told me that i have dedicated specialist and gave me her number and said it was now marked as a " Charge Off. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.
Product: Prepaid card

I 'm XXXX XXXX. I 'm a Rush Card member. My pay day was Friday XXXX. Over {$850.00} was direct deposited to my Rush Card. It has yet to reflect on my account. The XXXX # was of no help. ATM machines w/MoneyPass did n't show my direct deposit. My rent is due on XXXX XXXX. I 've tried calling SEVERAL times and was hung up on. I finally spoke with a Rush Card agent, # XXXX XXXX yesterday, XXXX/XXXX/15 at XXXX. That phone call lasted XXXX minutes and XXXX seconds ... Most of it consisted of wait time. He tried to convince me it was an ERROR at my place of employment. I refused to believe and nor accepted that excuse. I 'm LIVID. He could not find my direct deposit transaction from XXXX/XXXX/15. I need my hard earned money. ThanksXXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$2000.00}. 
o Experian reports a high balance of {$0.00}. 
o XXXX reports a high balance of {$1900.00}. 
XXXX. Last Verified Date : o XXXX : XX/XX/XXXX. 
o Experian : Not reported. 
o XXXX : Not reported. 
XXXX. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Date Reported : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX Credit XXXX XXXX o XXXX : {$2500.00}. 
o Experian : {$2500.00}. 
o XXXX : {$0.00}. 
XXXX. Account Description : o XXXX  : Profit and loss write-off. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - 7 Year History : o XXXX : No late payments reported. 
o Experian : 30 days late once, 60 days late once. 
o XXXX : 30 days late once, 60 days late once, 90 days late XXXX times. 
Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, Experian, and XXXX highlighting the inaccuracies. 
Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Bureau is refusing to remove inaccuracies on my credit file I requested that my profile be updated multiple times showing my current address, and my correct name. I am not formerly known as anything but my actual name!!!! I only have 1 name - There are several addresses showing which are incorrect. I only currently and have lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ga XXXX There are several inquiries that are showing that I have not applied for!!!! 

There is a creditor on my report ( XXXXXXXX XXXX XXXX that I do not have an account with, so why are they on my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/. In XX/XX/7, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX  which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, Equifax reporting the account as recently paid upon as though it was closed recently when it was closed in 2014. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned and alarmed XXXX accounts show up more than XXXX times on my consumer report and is inaccurate and are not validated. I have tried several times to contact XXXX in which they always respond they will correct and remove this but never do. 

I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.
Product: Money transfer, virtual currency, or money service

want to pay on XXXX 's website but not allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My father 's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$7900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX IN Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$130.00} Unauthorized Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Debt or credit management

My personal non public information was leaked out or given out I'm not entirely sure but Equifax has yet to comment on this issue regarding me and my information. I am very displeased with the company.