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

Hello. My social security number is XXXX. Up until XXXX of 2019 my credit score was XXXX. I always pay my bills on time. And pay more than the usual amount needed monthly. I has a XXXX procedure done XX/XX/XXXX and used my XXXX XXXX credit card so that i could get the XXXX airline miles with my procedure as it was XXXX. The next month I received numerous emails telling me my score plumetted to XXXX!!! I called the XXXX XXXX  Company who said its a large purchase and they thought it could be fraud as I dont make large purchases like that. They said not to worry if i pay my bill on time, within 2 months it will bounce back to nearly 800 where it was prior to that day I used it. Its been 7 months, Im being denied a mortgage, Ive applied to 3 Lenders. All 3 consider the score and deny me.I have many credit cards with high available credit lines, that are unused and this unfair act is stopping me from buying the home I want as Im viewed with a low low score. Please, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments.

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 and payment history.

Potential Violation of the Fair Debt Collection 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.

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

The 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 maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. XXXX incorrectly reports 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while XXXX and TransUnion report late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. TransUnion and XXXX list a high balance of {$30000.00}, while XXXX shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. XXXX inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : DPT EDXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XX/XX/scrub> 2024, I filed a formal complaint with the CFPB regarding my student loan with MOHELA. MOHELA continues to take my auto debit payment every month but refuses to post it to my account after my loan transferred in XXXX of 2024. It took 90 days for my XX/XX/year>2024 payment to post. Now my account is showing past due because they refuse to post payments to my account. They will also not answer phone calls, have extremely long wait times, have incompetent staff who are rude and do not listen. This is my second formal complaint with the CFPB against MOHELA. I need this issue resolved. I shouldnt have to worry about if my payment is posting every single month due to their error and it is illegal to take 90 days to post payments.
Product: Debt collection

On XX/XX/2023 I put a disputed for this Collection account from CONSERVE with account # XXXX and a balance of {$1200.00} original creditor is XXXX UNIVERSITY. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from CONSERVE with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX UNIVERSITY. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from Conserve collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERY ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy.

PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

There are 2 Affirm accounts reporting on my XXXXXXXX XXXX XXXX : one that has a balance of {$400.00} and the other account has a balance of {$75.00}. These are not my accounts can you please assist in getting them removed. I don't know where they came from. It may have been a mistake on the creditors end but all in all, please remove them.
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 involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX  Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am urgently requesting the removal of fraudulent accounts and all unauthorized inquires from my credit report due to identity theft and a data breach from XXXX. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit profile within four ( 4 ) business days from the date of receipt of this letter : Creditor : XXXX XXXX XXXX XXXX XXXX US Bankruptcy Court-Orlando Creditor : Child Support Thank you for your immediate attention to this urgent matter.
Product: Mortgage

Hello I have desperately applied for loan modifications with Selene finance but being told my income is too low. 

Now I am requesting a loan forbearance until I can regain gainful employment. 

Please help me
Product: Money transfer, virtual currency, or money service

COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Coinbase.com is withholding hundreds of millions of dollars worth of Bitcoin Cash ( BCC ) from their customers after Bitcoin underwent a hard fork on XX/XX/2017. They claim that they are simply not interacting with the chain, but that is not logical.
This is hundreds of millions of dollars we are talking about, possibly even into the billions. Unfortunately like many of the businesses in silicon valley their level of ethics and integrity are questionable at best, illegal at worst.
According to the company : https : //twitter.com/coinbase/status/XXXX We need the someone to step in and investigate what exactly is happening. Without committing my own overtly illegal action or spending a large amount of money to litigate, we, the public, are left at their mercy. It should be noted that other Bitcoin exchanges have credited their clients holding Bitcoin with their RIGHTFUL Bitcoin Cash.
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Regardless of the fact that these " crypocurrencies '' are possibly the next great Tulip Bubble in the making, people are being wronged and someone needs to step in. The best analogy would be a stock spinoff. Imagine if XXXX XXXX decided not to interact with a stock spinoff -- that would be a crime ; there is nothing different occurring here.
Product: Debt collection

I am filing a formal complaint regarding an attempt to collect a medical debt that was already removed from my credit report in XX/XX/2024. Despite this, a third-party debt collection agency is now attempting to collect on the debt again and has inaccurately reported it to credit bureaus. I request an immediate investigation and resolution. 

This medical debt was originally owed to XXXX XXXX XXXX XXXX XXXX  with an original balance of {$920.00}. I worked with a credit repair company, which successfully removed the initial medical collection from my credit report in XX/XX/2024. I have attached proof of this removal for your review. 

Credit Management Co contacted me regarding this same debt and is attempting to collect an amount of {$920.00}. This collection attempt is improper, as the debt was removed from my credit report. If the agency has re-reported the debt to the credit bureaus, this would be considered re-aging, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am formally requesting that all collection activities related to this removed debt immediately cease. I also request written confirmation from the debt buyer stating that they will no longer attempt to collect on this account. If this debt has been inaccurately re-added to my credit report, I demand its immediate removal from all reporting agencies. 

This situation has caused unnecessary stress and inconvenience, and I demand immediate corrective action. 

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

I transferred some money from XXXX on XX/XX/2022 from XXXX to Marcus Goldman Sachs, with XXXX XXXX as an intermediary bank. The amount is for {$4200.00}. I've contacted each bank several times to track this transfer and was given XXXX correspondence confirming XXXX XXXX 's sending the money to Goldman Sachs. However, it's been over 1 month and I still have not seen the funds. 

Goldman Sachs refuses to acknowledge or accept the XXXX information I have and continues to tell me to reach out to the originating bank. I do this, and they respond with the XXXX correspondence. 

I have no where left to turn and this is a very large sum of money that I've just now supposedly lost -- {$4200.00}.
Product: Debt collection

The debt is stated to be for medical bills, I have been cover under family insurance when the incident in question happened. I was contacted by the company to settle on {$1100.00} but I feel that is was wrongfully targeted by this company because during the time of my visit to the hospital I was completely covered by the same insurance that I have now.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Money transfer, virtual currency, or money service

I am writing to formally address my concerns with how Zelle mismanages concerns especially in light of the lawsuit with CFPB. Despite raising concerns with lost funds to both Zelle and my financial institution nothing has been done to resolve my issue and Ive been told tracking the funds is not a possibility.
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 involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 XXXX XXXXXXXX  Amount : XXXX  XXXXDate Filed/Reported : XX/XX/2014 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX {$1700.00} XXXX  XXXXXXXX {$5700.00} XXXXXXXX {$0.00} XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX  XXXXXXXX {$440.00} XXXXXXXX {$2800.00} XXXX XXXXXXXX {$7000.00} XXXX XXXXXXXX {$200.00} XXXX XXXXXXXX  {$500.00} XXXXL XXXXXXXX {$0.00} XXXX XXXX XXXXXXXXXXXX {$0.00}
Product: Debt collection

DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM SPEEDY CASH. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR SPEED CASH. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO SPEED CASH, BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
Product: Money transfer, virtual currency, or money service

thought buying power meant can use robinhood card ... takes a ridiculous amount of time to get cash
Product: Vehicle loan or lease

I sent Santander a cease and desist letter on XXXX XXXX, 2024. They broke The Truth In Lending Act, The Fair Debt Collections Practice Act, and The Fair Debt Reporting Act. In addition to them violating those Acts, they also violated The Graam -Leach Bailey Act. 
.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the TransUnion 's reporting of inaccurate and incorrect information on my credit report. This misinformation is causing significant harm to my credit score and financial reputation. I have reviewed my credit report thoroughly and can confirm that the reported item in question is inaccurate. As a result, I am requesting that this incorrect entry be deleted immediately to prevent further damage and to ensure my credit report accurately reflects my financial history.
Product: Debt collection

- Never received written validation notice from XXXX XXXX XXXX ( XXXX ). 
- XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice. I called XXXX and they informed me that XXXX XXXX  XXXX XXXX ( XXXX ) had contracted them for the debt collection. 
- XX/XX/XXXX_ after several voice mails, I was able to talk to XXXX in the billing dept. at XXXX. Was told they had sent a monthly bill and after 9 months sent my account to XXXX. I never received a bill from XXXX and my address, email, and phone number had not changed since the original visit to XXXX. Still no written validation from XXXX since I contacted them 11 days ago. I called XXXX and they told me that my address given to them from XXXX was for XXXX, VA which is not correct. I went ahead and paid the debt over the phone thinking the collection notice would be immediately removed. 
- XX/XX/XXXX_ called XXXX and asked that they send me all the information that they had in my file. 
Still have not received the required written validation notice, have not received written confirmation on my payment and that it was for my acct. at XXXX, and collection notice is still visible on XXXX web site. XXXX never notified/contacted me before placing a collection notice on my credit report which will not be deleted for 7 years.
Product: Credit card or prepaid card

Good afternoon, I applied for a Chase Freedom XXXX XXXX ( XX/XX/2022 ) and received the card within a week. Upon receipt of the card, and unbeknownst to me, the credit limit was reduced to {$500.00}. When I requested a credit limit increase, they denied it and would not tell me why when I reached out to them. I was transferred to numerous people and they all could not help in any way. I ended up closing the account without ever using the card. The problem here is they ran my credit and issued the card with a credit limit that was not communicated to me or authorized by me. Had I known the the credit limit was going to be {$500.00}, I would not have applied or moved forward with the card. They withheld this information during the application process and signed me up for a card with a credit limit that was not authorized or agreed to by me.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have called and written to this company numerous times to repay this to no avail I am fed up with the lack of response
Product: Credit reporting

I had a collection account that has been constantly reported by multiple agencies and removed each time I have submitted a dispute, as it is incorrect. The information was recently reinserted under XXXX , XXXX . When I noticed, I disputed the issue, but Equifax has left it on my credit report. 

Most recently it was reported by XXXX XXXX XXXX out of XXXX, MS , and was very quickly removed when I disputed it on the report. Now, like I said, it is showing up under XXXX, from whom I did not receive notification nor had an opportunity to ask for verification. However, the previous companies could not verify the information when I requested it, so I am simply looking to have this erroneous information removed.