23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX has incorrectly provided student loan payment, deferred, Forbearance, loan amounts, and XXXX XXXX XXXXXXXX information on credit reports. This is significantly effecting my credit reports and FICO scores. 

This has been a systemic issue, hence the XX/XX/year> court case decision.
Product: Mortgage

XXXX XXXX has double paid on the yearly taxes for our house. We have noticed that Carrington Mortgage Services , LLC did not recognize the payment at all and their still making us pay monthly. We didn't know that we did not have to make the payment and they were gone take it out over a 12 month period. We went to the XXXX Tax Collector and they told us that they sent our payment to Carrington Mortgage Services because their records showed that the taxes had been paid. They should have sent the payment back to XXXX XXXX. They told us that Carrington has our money, but they are saying they never received it. So far XXXX Tax Collector and a lawyer both tract the cashier check to Carrington Mortgage service. Can you help us get our money back from Carrington Mortgage Services. We paid with a cashier check from XXXX XXXX XXXX XXXX check # XXXX for the amount of {$3300.00}.
Product: Credit card or prepaid card

My credit card statement included a {$1500.00} bill for XXXX on XX/XX/XXXX. I didn't open the bill when it came because I hadn't used the card and knew I wouldn't have a balance. I returned from vacation and a hospital stay in XX/XX/XXXX, at which time I opened the bill to see charges that I didn't authorize. I contacted Bank of America. Bank of America said they would investigate. I was contacted a few weeks later by them informing me that the claim was denied because they said the purchase came from my device. I requested the IP address, and was told it would take a few weeks, but after not hearing from them, I contacted Bank of America again, and was informed that I would need a subpoena. I also requested information on the investigation but Bank of America refused to provide information. My credit card number was changed during the investigation as a result of attempted fraudulent activity. I contacted XXXX, who was initially unable to find the charges at all, but eventually was able to find the charges, and said it was on an email that does not belong to me. I did not authorize these charges. XXXX refused to give me the email that was connected to the account, but later stated that they have not received any money as a result of these charges. I have contacted Bank of America and XXXX to no avail. I filed a police report XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company to validate this debt they have been unable to. I have attached proof that the letter was delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian placed a fraud alert on my credit report. I submitted all necessary documents to have this removed on XX/XX/2020 yet it has not been removed yet. this is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

THERE'S AN AUTO LOAN ( UNITED AUTO CREDIT CO ) ON MY REPORT THAT IM NOT AWARE OF, THIS VEHICLE INFORMATION DOES NOT EVEN APPEAR ON MY XXXX REPORT. I NEVER AUTHORIZED ANYONE TO GET A VEHICLE IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts were made and resolved regarding misspelled and incorrect LEGAL NAME INFORMATION on the EXPERIAN report. Despite repeatedly verifying my identity to EXPERIAN and continuing to submit requests for correction and IMMEDIATE REMOVAL OF ALL INCORRECT SPELLINGS OF MY NAME. After filing a complaint with CFPB on XX/XX/2022, EXPERIAN has since, reposted the incorrect information and continues suppressing my true credit score and history. More than 30 attempts have been made between XXXX XXXXTHROUGH XX/XX/2022 requesting resolution to no resolve.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid the agree amounts to discharge the XXXX  XXXX  debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXXXXXXbalance {$740.00}.
Product: Checking or savings account

The bank would allow transactions to go through when it wasnt enough money available, and I was hit with all different types of fees and every day that wasnt paid it was extra fees
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am filing a complaint against capitol one regarding the deceptive practices related to their 360 high yield interest savings account. Capitol one misrepresented 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Credit reporting or other personal consumer reports

Hi this is really a minor issue. My credit report is blank, its not showing my accounts below. Perhaps its due to the info you have. I applied for credit and they cant see anything. Please update records to reflect address and the accounts listed below. 

ADDRESS ON FILE SHOULD BE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ACCT # XXXX {$230.00} XXXX ACCT # XXXX {$210.00} XXXX  {$130.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX AV XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX CARD XXXX Balance : {$780.00} ; XXXX Balance : {$4500.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX ; XXXX OF XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction with Experians repeated failure to conduct a proper reinvestigation of these disputed accounts on my credit report. Despite my numerous requests for proper reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ), these accounts continue to be verified without any documentation provided to substantiate the method of verification of these inaccurate accounts. This persistent failure to comply with federal law is unacceptable. Your failure to complete a lawful and thorough investigation violates the FCRA. You are required to conduct a proper reinvestigation when disputes are submitted and to provide clear documentation of how the information was verified. Instead, you have ignored these obligations, which is unacceptable and demonstrates blatant disregard for federal consumer protection laws. It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal actions against Experian for similar failures to adhere to proper investigatory standards. This reinforces my position that Experians handling of consumer disputes is not only inadequate but also unlawful. I demand the following : 1. Conduct a proper reinvestigation of the disputed accounts in accordance with the requirements of the FCRA. FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to send me documentation of the procedure used within 15 business days of the completed investigation for determining the accuracy and completeness. 2. Provide the requested method of verification for each account, including the name and contact information of the person that verified the accuracy of the information. What date and time did this conversation take place? How did you come to this determination that these accounts were " verified as accurate ''? XXXX. If verification can not be properly provided with concrete documentation, immediately delete these disputed accounts from my credit report. Failure to comply with these demands will leave me no choice but to escalate this matter further. I will not hesitate to file complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action to ensure my rights as a consumer are upheld. 

XXXX XXXX XXXX  XXXX This is your final opportunity to resolve this matter amicably and in full compliance with federal consumer protection laws. Please provide a response within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent {$100.00} to a person who claimed to be a XXXX XXXXXXXX on social media. I requested the refund and it was denied from that person once I realized it was a scam. I made a complain to CashApp the very same day. I searched for a XXXX number & could never find a person to talk with. The name of the person I sent {$100.00} is user name XXXX XXXX. Transaction number XXXX. Anytime I choose to reopen a report CashApp says you have already reported this account but has not resolved any issue or even reached out.
Product: Money transfer, virtual currency, or money service

I was answering to an add at XXXX to purchase hay for my animals. XXXX texted me at XXXX that he doesn't have any more hay available, but his friend in Ohio has some he would ship to me. He gave me a quote over {$1300.00} and asked to pay him via XXXX. He texted me from XXXX and told me to use his email XXXX to send the money via XXXX . I have not received a bill, an invoice or a name. The phone is not registered and this email is marked as a scam email. He ceased contact and dies not answer his phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

Wells Fargo  has  XXXX  accounts on my credit report with late payments and I am not sure how they are reporting late.      Wells Fargo Dealer Services -   XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  Wells Fargo   Dealer Services -   XXXX  ( 30 days past due  XXXX  )  Wells Fargo Dealer Services -   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   ) The  only thing that I could of is that I did n't get my statement in time or that my payments were not applied on time. I could have sworn I made my payments on time.
Product: Debt collection

my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.
Product: Debt collection

I settled this debt and now it has been sold to three different companies. I do not know what to do. I am not getting any help anywhere. I paid XXXX XXXX XXXX directly. I have proof. I am requesting this be removed and cease collections and full verification. This isn't right PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  {$430.00} Balance updated XX/XX/XXXX Account info Account name PORTFOLIO RECOV ASSOC Account number XXXX Original creditor XXXX XXXX Company sold - Date opened XX/XX/XXXX Account status - Status updated XX/XX/XXXX Account type Debt Buyer Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Paid off 0 % Monthly payment - Past due amount {$430.00} Terms 1 Month Responsibility Individual Your statement - Contact info XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I have is that I cant waive any missed payments I went through a situation and the store I worked at got shutdown so I lost my job and missed some payments Ive been with the this bank for more than 3 years and Ive been making on time payments except for 4 This is 4 payments out of 40 payments Im trying to fix my credit score but by them not helping me waive the missed payments i cant fix it Its a night impact since its an active account Plus by not helping me they know for a fact that I cant refinance my car and kind of forcing me to keep paying the same rate which is more than 21 %, its so much and its killing me Please help me fix this problem I cant even rent an apartment with my score now, I didnt know anything about how credit score works Its a huge struggle for me now and I have to move to a different apartment in only 2 months I need to fix this as soon as possible Ill even pay for any service that would help me get out this situation Thank you so much for reading this
Product: Debt collection

This debt collector is reporting incorrect and false information stating I owe {$160.00} Company name is Professional Debt Mediation account number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I traded my XXXX XXXX wrangler in for XXXX new vehicles as a leases. I was financed and approved through Ally Financial from the Dealership where I leased the new XXXX XXXX wrangler. XXXX XXXXXXXX XXXX, XXXX XXXX, MI. 

I set up my online account through Ally.com after receiving my payment instructions from Ally Financial I the mail, mid XXXX. Seemed odd that it was late, so I made my payment for XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX through my XXXX Bank. 

Representatives from Ally keep calling me telling me they didn't get the payment. Another saw they did get payment but return it. They could not answer why, I asked for a manager, they hang right up. I verified with my Bank 's manager and the car payment was paid to Ally. Ally reps continue to call me daily, caller ID says potential spam. I have been threaten that they would report me to the credit burial and they did. As a result this placed a very negative MARK on me who has outstanding credit. Ally insists I send XXXX XXXX or XXXX XXXX  for the NEXT 6 MONTHS. I then received a paper check from what appears to be legit, REFUNDING the amount XXXX PAID. I took it to my Bank to verify if it '' XXXX real. I WAS ADVISED DO NOT CASH IT. It's a scam. 

I almost sent money via their request to money gram but the clerk at XXXX stopped me, and told me to go back to the dealership, it's fraud. 

I called the dealership twice leaving voice messages with the Manager of Finance. No return call. I drove up to the dealer ship and went to my sales man explaining with all my documents. He was stumped as well, and told me he would have to get back with me. 

Meanwhile as I await, my credit has been damaged and I suspect some kind of unlawful actives have taken place using my credit.
Product: Credit card

XX/XX/XXXX A credit application was denied without Tender of pay. 
XXXX XXXX A Credit application was denied without tender of pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX  XXXX Balance Owed XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the XXXX major credit bureausExperian, XXXX, and TransUnionregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/year>, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the XXXX report as of XX/XX/year>. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty.

Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished. 
Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent matter.
Product: Debt collection

Constant robo calls, threatening to sue and file charges against me.provide police report and letter from lawyer that states intentions to sue XXXX XXXX