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

Back in XX/XX/2021, XXXX  XXXX XXXX closed my checking account sue to Suspected Fraud. I missed a payment and was late 30 days. I had to wait for a new account. I am currently employed with XXXX. During the same month. I had to XXXX XXXX. I did not get a regular check. I tried to explain what happened. I have never been late, my credit score went from XXXX to now XXXX. As a matter of Fact, this company XXXX XXXX XXXX, renewed my loan. I went through extreme circumstances. XXXX XXXX XXXX said they can't me. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I am reaching out regarding the debt collection account assigned to Credit Control LLC on behalf of XXXX XXXX. I recognize that Credit Control is only assigned to manage this account. However, there are serious discrepancies and inconsistencies in how this debt is being reported across different credit bureaus, which neither XXXX nor Credit Control has clarified.

1. Inconsistent Account Status : XXXX has communicated that this account was " written off '' in XX/XX/year>, yet it continues to be reported inconsistently across credit bureaus, showing as both " open '' and " in collections '' without a clear designation of charge-off status. 


2. Discrepancies Across Bureaus : The account status varies significantly between XXXX, XXXX, and XXXX, suggesting possible reporting errors. Additionally, the transfer dates between different agencies do not align with XXXX 's records. 



Given that Credit Control is currently assigned this debt, I respectfully request that Credit Control coordinate with XXXX to provide a clear, documented response to these discrepancies. If these issues can not be resolved, I am requesting that the account be removed from my credit report due to the lack of consistent and accurate documentation, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter, and I look forward to a detailed response.
Product: Debt collection

On both XX/XX/XXXX and XX/XX/2022, XXXX repetitively called me and left voicemails regarding an inaccurate debt. It is persistent, it is back to back. It is a constant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  laXXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX card XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I began communicating with a sales rep in regards to a XXXX XXXX blazer priced at XXXX online.. I offered XXXX to reduce that price to XXXX, to help get a better interest rate. The guy told me they are able to do this they have plenty of options and etc. I drove XXXX hours to sign the paperwork. Get there and given an XXXX percent interest rate which XXXX not complaining about but there is no way my payments are to be XXXX with XXXX down unless my down payment wasn't applied to the sales price as it should have been. I have been getting the run around about my contract since purchasing. I had 3 days to return the vehicle and waited on my contract to review it to decide. As of today I still have not received my contract and I am highly disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft Criminal tried to open a credit account fraudulently in my wife 's name ( XXXX XXXX. Date XX/XX/XXXX. Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX denied the fraudulent credit card application due to our low credit rating ( etc, ) - thankfully! XXXX XXXX XXXXXXXX sent XXXX a letter about the application denial- reference # XXXX- the letter was dated the same date as the fraudulent inquiry to Experian : XX/XX/XXXX ( XX/XX/XXXX ). Experian now has a fraud alert and account freeze ; XXXX also has an account freeze as of today XXXX. XXXX is closed on weekends! XXXX XXXX XXXXXXXX also has a fraud alert as of XXXX XX/XX/XXXX? XXXX. All these companies are researching no results received yet. 

Experian has wrong information on our credit report. While they correctly noted we have only XXXX active credit cards : XXXX - XXXX balance ; XXXX XXXX {$1400.00} ( now {$130000.00} ) which is our actual total debt until yesterday when we bought a XXXX XXXX XXXX from XXXX XXXX ( XXXX, La ) with {$15000.00} down and {$15000.00} financed ( 6 year loan, 5.89 %, $ 299 monthly ) by XXXX XXXX XXXX XXXX. 

The Experian credit reported additional debt of {$4200.00} previous week and now ( last week ) {$8600.00} which is incorrect to our knowledge. We reported this to Experian- they are researching. 

Besides the obvious fact that this is reporting fraudulent debt, Experian does not include in their report where or the whom this debt is coming from- which is bad reporting on their end. They are researching this as well - no solution thus far. 

Please help us with this ID theft ( or direct us to those who can help ) and fraudulent credit report debt information ( and lack thereof ). 

Thank you in advance.
Product: Money transfer, virtual currency, or money service

I have a account with cash app so does my fiance on XX/XX/XXXX I sent her {$1000.00} from my cash app account she then sent me back {$250.00} the same day we send money to each other like this often but I never received the money she sent, cash app or Square says the payment was received. I ended up signing out of the cash app by mistake and cash app now tells me I will need to open a new account and then they will merge my new account with the old and I should have access to my funds which after a month of e-mails back and forth has not given me access to my funds or my original account with my money the {$250.00} in it. They are saying for security reasons they can not give me access even thought I have provided my full legal name and full social and state zip. My fiance? Who has cash app and sent me the {$250.00} lives at the same address so not sure why they can not verify its me and legit and trace down my money and give me access to it..
Product: Payday loan, title loan, or personal loan

Someone has been using my personal information to open accounts in my name without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, XXXX, and Experian ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/XXXX, XXXX and Experian says I have an on time payment.
Product: Credit card

it is company policy to charge the fees an interest to the account instead of from your payment. now i am over again to the tune of XXXX dollars i paid almost XXXX this month so far. Their practice will keep you in debt and never let you get paid up this way they should like normal company 's take the interest and fees and subtract it from the payment. I am just going to get to the point where I will not be able to pay it anymore. They only gave me the card if i paid a fee. I always pay on time but i can not handle their way of doing business it is not fair, and i can never get caught up it was a XXXX account that became XXXX but i owe XXXX and with each payment the debt increases. Also why do they take out a dollar every so many days a month.
Product: Checking or savings account

On XX/XX/2023 we deposited a check from our insurance company for a recent claim we made on our roof for the amount of {$10000.00}. The check was issued to us and our mortgage company, We deposited the check not knowing that the mortgage company needed to endorse the check. The bank took the check, did not tell us that the check was not properly endorsed, and a hold was placed on the check for 24 hours. The following day, my husband received an email that the hold on the check was released and the funds were deposited in our account. Upon review, the funds were in the account but a hold was on the entire account for the amount of the check ( XXXX ). My husband then went to the bank and was informed that the hold was there because the check wasn't endorsed correctly. We were told to send a Check Endorsement Release form to the mortgage company. after faxing that over to them, we have not had any progress. It is almost 2 months into the matter and the bank and mortgage company are going back and forth and we have no answers. This could have all been avoided if the employees of the bank at the branch, and the ones that review the checks were trained properly.
Product: Mortgage

I have been approved for a refinance that will save me a lot of money. My current lender -- Freedom Mortgage- has agreed to reassign the loan ( XXXX ). We have been waiting XXXX weeks for the XXXX. I suspect they are being slow since they are making {$150.00} a day in interest payments. I have left numerous messages and they are never returned. I am feeling ripped off each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough for you. 

The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX because I keep receiving collection notices from various different collectors saying I owe XXXX money. For years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX  and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. 

Can you please stop XXXX from either lying to me or to get them to call the collection agencies who are reporting XXXX collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX XXXX name.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent the attached request to APG Financial and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.
Product: Checking or savings account

I didn't realize that this account exists until I received a debt card in the mail. This account was opened without my consent. I called the bank and reported it. They requested me to give them more personal information to close it. Since I'm not sure how it was created I didn't feel comfortable giving out more personal information to closed it. After I told them that I didn't request this account to verify opened. They told me that they needed this information so they can verify it was me. This bank just don't want to closed this account and I don't know why.
Product: Credit card or prepaid card

Used ultimate rewards program to purchase flight. In light of travel ban, need to cancel flight, but unable to cancel through Banks online system and required to call in. When call in, can not reach a representative ( have been on hold for over 3 hours at times ) ; have tried multiple times. Have reached out on XXXX and banks support XXXX  feed is filled with stories of waiting 6, 7, even 8 hours without success.
Product: Debt collection

On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule 41 E hearing for failure to prosecute. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule 41 E hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana Bar Association, the  Indiana Attorney Generals Office, and the Consumer Credit Bureau for perjury and violations of the FDCPA.
Product: Debt or credit management

I recently called a debt collector thinking it was a real debt collector and was scammed out of {$270.00}. They promised to clear my {$6000.00} collections debt if I paid them a fee upfront. They also promised to improve my credit score which they did and they have been harassing me trying to get more money out of me to pay monthly for services I dont even know about. Since they havent been able to charge my card recently without my knowledge, my credit score is now changing. Constantly changing. I fear Im dealing with credit fraud. This company goes thru a website that looked real at the time credit sage but when I went back to check the same page I put all my information in, it says the page doesnt exist.

Im very confused because I dont know who to call or reach out to, or who to contact about this without getting scammed It has affected my trans union and XXXX  credit report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because 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/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I never gave The CBE Group my direct consent to communicate with me. I received a petition for an alleged debt from them in the amount of {$3100.00}. They list the Internal Revenue Service as a Creditor. I never give out my private dwelling address. I was VERY disturbed when I received something in the mail from an unknown company that I have NEVER done business with. I called the company and I am in possession of the recording where representatives from The CBE Group had access to my private personal information including my social security number. When I responded to the mail they sent me I received one communication where they stated they did not have an account for me but then received two other letters where they stated they were returning an account they referred to " your account '' back to the Internal Revenue Service. It is VERY upsetting and stressful that my information is being transferred without my consent to people I man not giving my direct consent to. I have proof of all documents received from the company and my responses to them along with copies of electronic receipts and tracking numbers from the USPS. I also have two call recordings as well. My information has been breached. The CBE Group is also committing mail fraud by sending me nonmailable matters through the mail. I am sick of the deception and false and misleading communications.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/06. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Bank Of America never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called XXXX  and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting late on my credit report with EQUIFAX XXXX XXXX. I have disputed this information with both the credit card company and both credit bureaus. I have requested validity of invesitagion as information is not accurate and they continue to send me letters saying it has been investigated with no information as to how they came to that conclusion. UNDER section 15 USC 1681 ( A ) ( 6 ) ( B ) ( III ) I am requesting the validity and accuracy of this information in writting.
Product: Debt collection

i have disputed this account multiple times with RS Clark and assoc. they have been extremely uncooperative and would not provide any information regarding this account, even when given over 30 days to do so. this account does not belong to me and I have provided documentation on multiple occasions to show this.
Product: Credit reporting or other personal consumer reports

Complaint : I am filing this complaint against XXXX, XXXX, and TransUnion for failing to properly investigate my disputes regarding inaccurate information on my credit reports. Despite providing substantial evidence that the data being reported for the same account is inconsistent among the three credit bureaus, the inaccuracies persist. 

Details of the Complaint : Dispute Investigation Failure : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation of any disputes made by consumers regarding the accuracy of information on their credit reports. Despite submitting disputes to XXXX, XXXX, and TransUnion, these agencies have failed to properly investigate and correct the inaccuracies reported. 

Inconsistent Reporting : I have attached documents that clearly show discrepancies in the reporting of the same account among the three credit bureaus. These documents prove that the account is being inaccurately reported, yet no corrective action has been taken by the credit reporting agencies. 

Violations : 15 U.S.C. 1681i ( a ) - Failure to Conduct a Reasonable Investigation : By not properly investigating my disputes, XXXX, XXXX, and TransUnion have violated their obligations under the FCRA. A reasonable investigation should have revealed the discrepancies and led to the correction of the inaccurate information. 

15 U.S.C. 1681e ( b ) - Failure to Maintain Accurate Records : The credit bureaus are also required under the FCRA to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in the reporting of the same account indicate a failure to maintain accurate records. 

Attachments : Document XXXX XXXX XXXX : Comparison of account information as reported by XXXX, XXXX, and TransUnion, highlighting the inconsistencies. 
Document XXXX : Correspondence and evidence submitted during the dispute process to each of the credit bureaus. 
Document XXXX : Responses ( or lack thereof ) from XXXX, XXXX, and TransUnion to my disputes.