23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion score is lower than the other XXXX reporting agencies. The same stupid answer. Each company uses a different model. They do everything to keep your score low so that you are forced to pay a higher interest on everything. They want to sell you a product to track your score. I had the man on the phone check my report and I have no late or missing payments. I have a XXXX XXXX XXXX bankruptcy. It takes 10 years to get if off. How can you do any kind of transactions without getting an inquire that lowers you score for two years.
Product: Credit reporting or other personal consumer reports

i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )
Product: Student loan

They keep telling me its my interest rate but my rate is XXXX and XXXX.. I have been paying on this loan for 10 years.. the person on the phone keeps telling me that its the interest and Ive only paid about XXXX so I said you are charging me 50 % interest then.. then he kept talking in circles trying to get me to see his point.. I told him he was missing mine and hung up
Product: Money transfer, virtual currency, or money service

My PayPal account has been permanently XXXX, and the account balance has been frozen for 180 days. I have received a cash withdrawal email notification from PayPal, but I can not complete the associated bank and withdraw cash. I have contacted PayPal customer service many times and the problem has not been resolved. It has brought great pain to my family. big trouble please help me
Product: Credit card or prepaid card

The credit card company is XXXX and it was started in XX/XX/2017 and charged off XX/XX/2017. When i checked my credit report i noticed it was there. I never applied for this card and the social security number is wrong but it is showing up on my credit report.
Product: Credit card or prepaid card

I received in the mail an unsolicited and unwanted credit card, apparently affiliated with a timeshare. I did not activate the card. 
I was shocked to subsequently receive a billing statement in XXXX albeit with XXXX  due amount. I called the company to ascertain what exactly happened. I notified the company, Barclay bank that I neither was informed of any credit card application ; nor authorized ; nor signed any application. 
I spoke to five different employees, one twice ( XXXX ) in Customer Service, Fraud, and a Supervisor. I was appalled to learn Barclays perspective - that the timeshare company ( Wyndham  ) has the opinion I authorized the card. 
Not only have I received negative impact to my credit score by issuing this card fraudulently, cancelling it becomes another adverse credit event. This is unacceptable, and I seek your assistance to rectify this atrocious conduct.
Product: Debt collection

My job received a wage garnish for a debt they faxed me over a copy it has someone else 's social security number on it so I wrote a letter to the company requesting proof of debt in XXXX 2017 and still have not received anything but they sent another letter to my job today I did ask for all communication to be in writing and still they wo n't tell me what the debt is for
Product: Credit reporting or other personal consumer reports

Improper use of credit. Late payments. Reporting late on account that has been charged off. Improper use of credit utilization by still reporting. Sold my debt to another collection with out my permission
Product: Debt collection

I called the XXXX XXXX XXXX to find out why they are trying to collect a debt from me and what the debt was for. But they told me I would have to pay money for them to tell me what the debt was for. They then began to ask for debit or credit card information. I already gave them my basic information including my name, date of birth, address, and last XXXX of my social. I refused to give payment before they told me what the collection was for and they hung up on me.
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report, I ran across some accounts that weren't belonging to me. I don't know how these companies got my information or even reporting on my report. These accounts do not belong to me whatsoever. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone wrote a bad check in my father 's name to a company called XXXX XXXX XXXX. By me being a " XXXX '' the company reported the discrepancy on my credit. I DO N'T DRIVE!! I do n't even have a car. I talked to the reporting company but they wo n't do anything to help me. How can I get this resolved? I 'm in the process of repairing my credit. I know I have debts that are my doings but this is not one of them. Thank you.
Product: Checking or savings account

About late XXXX XXXX XXXX XXXX  USAA made a contract recorded online that if they cancelled my homeowners insurance, they would be liable for {>= $1,000,000}. The contract was in effect through XX/XX/year> and USAA cancelled the insurance without our consent in XX/XX/year>. They sent a check saying it was overpayment of insurance but that was a false statement as they had deposited our funds sent from XXXX XXXX XXXX XXXX XXXX account designated for insurance and USAA and XXXX confirmed the transaction in XXXX. Two months later, USAA sent a check dated XX/XX/year> with a false statement that it was " due to a credit balance on your mortgage billed policy. '' However, XXXX XXXX XXXX XXXX confirmed that it was for the homeowners insurance policy which they expected to be inforce based on the the late XXXX XXXX payment. The USAA check is enclosed. The amount shows {$2900.00} dated XX/XX/year> which is the same amount paid by XXXX to USAA about late XXXX few days of XX/XX/year> and confirmed received by USAA. 

In order to complete the contract, i indorsed the check on the back with deposit conditions that " Subject to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sum balance due is {$1.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' The front of the deposit check is clearly marked -it was in red ink- .private.special. deposit.entrust. and is visible in the check image. 

The amount was tendered for deposit subject to the payment of balance of XXXX XXXX XXXX and it was ACCEPTED by USAA and deposited ; however, USAA never paid the XXXX XXXX per contract recorded on the phone calls in XX/XX/year> and ACCEPTED by USAA by its deposit of the check with the conditions. 

USAA used US Mail to engage in unfair trade practice and financial crimes/ unauthorized conversion of funds sent by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer ID : XXXX XXXX Early Warning Services Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Closed XXXX XXXX XXXX Reported Without Valid Reason FCRA Violation Dear Early Warning Services, I am writing to formally dispute the inaccurate information that has been reported regarding two XXXX XXXX accounts on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate representation of my credit history. The two accounts in question are being reported as closed, but I believe they were closed without valid reasoning or due process. 

The accounts are identified as : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX As per my records, these accounts were either not closed by me or were closed under circumstances that were not adequately disclosed. Furthermore, there was no clear communication from XXXX XXXX regarding the reasons for these closures. I have not received any notifications, nor have I been provided with a formal explanation for the actions taken on these accounts. 

Under the FCRA, specifically Section XXXX, you are required to investigate disputes and correct inaccurate or incomplete information on a consumers report within 30 days. I request that you conduct a thorough investigation into these two accounts and provide me with documentation that justifies their closure, or remove these items from my consumer report if they can not be substantiated. 

Please also note that under Section XXXX ( b ) of the FCRA, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy and fairness of the information they report. By allowing inaccurate information to be reported regarding the closure of these accounts without explanation, you are failing to meet these legal obligations. 

In addition, if this dispute is not resolved to my satisfaction, I will not hesitate to escalate the matter to the relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney generals office. 

I kindly request a prompt resolution to this matter and expect written confirmation within the statutory 30-day period. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XX/XX/XXXX Consumer ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account XXXX XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law. 
Previously I requested you to conduct investigation regarding the account name and account number reported inaccurately as LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the, pursuant to 15 U.S. Code 1681s2 inaccurately reporting You are violating my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act AMERICAN HONDA FINANCE Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to law FCRA Section 605 B its illegal to report information on my credit without my permission. And Law 15 USC 1692c ( c ) clearly states If a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication.. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

i being threatened by pressler and pressler from XXXX til now XXXX i almost lose my child in XXXX from them threatening me every day i just over it
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Chase reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX. 
XX/XX/XXXXChased sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with Chase. 
Chase continued to report the account as C/O thru XX/XX/XXXX 
Chase no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors.
Chase claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors.
Chase falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status.
Chase at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
Chase continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to Chase numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX
Product: Checking or savings account

Charging illegal, surprise overdraft fees on purchases made with sufficient funds. 
Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. Past Due amount is incorrect XXXX las active in also incorrectly. Las date of payment. I have not made any payments and they haven't provided me with no 1099 c and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it
Product: Student loan

I have XXXX qualifying payments for PSLF as of XX/XX/year>. I should have been finished in XXXXXXXX XXXX. Due to the forced SAVE forebearance, the months since XX/XX/year> have not counted for PSLF. 

I submitted a buyback request for the final 4 months per federal regulations on XX/XX/XXXX. I have contacted FSA customer service by chat in XXXX, XXXX. I was given two different inconsistent explanations as to why my buyback has not been processed yet. My buyback request should be very simple because I had {$0.00} payments before the forebearance. I have been told that it should be 45 business days to receive an offer/decision on the buyback request, but have received nothing and can not get any information about when this will be processed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

ACCOUNTS : XXXX XXXX XXXX  INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I had a credit card from Discover that was charged off XX/XX/XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XX/XX/XXXX to XX/XX/XXXX I was on a XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX , XXXX, neither have I. On Monday XX/XX/XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX .... - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.