23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The judgment was satisfied trough wage garnishment which was paid off in XXXX. This debt shows as paid on my credit report. 10 years later, MacDowell & Associates sends a wage garnishment for the exact same amount that was already paid to them. This debt has been paid. The judgment was entered in XXXX and paid off by XXXX.
Product: Credit reporting or other personal consumer reports

This vehicle was voluntary surrendered XXXX or XXXXXXXX XXXX XXXX in the height of Covid 19. The vehicle was sent to a repair shop of the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Pace Financial was aware of this. The truck was a death trap, shouldve never been sold to a consumer, previously wrecked vehicle. The truck was sold at an auction and since has been charged off! However I never received any info regarding the remaining amount and pace is reporting a different amount to the credit bureaus every month. The amount and information on my credit report is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/year>XXXX  I was out XXXX XXXX! It was late and I received a call from XXXX XXXX  support in regards to my account. Something about how they are making sure that I was the one who was using my account. They proceeded to ask me just regular questions. They had me log off my XXXX XXXX  account and proceeded to walk me through with promises of getting paid while on the phone with them and not being active on XXXX XXXX. And than they proceeded to some how hack into my XXXX XXXX XXXX  account and take all of my money which I was using my cash app card I sent in a complaint and appeal to cash app as after they hacked into my XXXX  account and took my earnings. They sent my earnings to my cash app. Saying it was the promised money that they told me about for being off the clock. I went to push decline because it was seeming suspicious and my finger hit accept instead of decline. Cash app told me that they are unable to reverse it and they were also unable to get me the refund back from the person who scammed me out of my money.
Product: Credit reporting or other personal consumer reports

15 USC 1681 XXXX XXXX XXXX has violated legal compliance under 15usc 1681.

I am a victim of identity theft. And I have disputed the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, I signed up for e-billing at the end of XX/XX/XXXX. I stopped getting statements from them and just had no idea I wasn't getting statements or that I was not paying on my account. XX/XX/XXXX and XX/XX/XXXX were delinquent, but I had not received any billing for this. I had made on-time payments each and every month since XX/XX/XXXX, when I became a card member XXXX, reported that I was 60, days late to the credit agencies. This is a huge problem because I do pay my bills on time. It has adversely affected my credit score, which insurance companies, banks, etc, look at. 
This misrepresentation has affected my credit score and my ability to get correct and fair rates for insurance, loans { I've already been turned down for a loan }, and future financial actions. This information, as deceptive as it may be, will be on my credit file for up to seven years, and all because  XXXX, says I signed up for e-billing. XXXX, should have made sure I authorized this action. XXXX, says they sent me an email. I explained to them that I am a XXXX y/o person with over 50 thousand unread emails. I would never sign up for e-billing. XXXX, says they sent an email to my account and that was sufficient according to them. I told them that of course they would like everyone to do e-billing so they wouldn't have to send out bills ; think of the money they would save!! 
I wrote XXXX, on XX/XX/XXXX. I then wrote the XXXX concerning this problem. I will try to attach the letters. I received a phone call on XX/XX/XXXX or XX/XX/XXXX from a young lady stating that she would investigate my case, probably because I wrote the XXXX. 
THE BOTTOM LINE IS : XXXX, is acting in a deceptive way. This is just one more example of this companies deceptive practices. I've read about all the different law suits and how their paying out millions of dollars. I'm not asking for money, I want them to repair the damage they have done to my credit file and they need to be forced to have better practices concerning alleged authorization. When money, credit files and business practices are involved, they need to be sure of what is going on. They need to get final authorization from the card holder BEFORE any changes are made to their accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Lincoln Automotive Finance # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX over several months in getting my payments documented. I reviewing my Credit report there is still months that have not been updated. I have made monthly payments to my mortgages and even made payments ahead and they are still showing no reporting in XXXX, XXXX, XXXX XXXX and XXXX. This is not just on one account but several accounts. I have even sent them letters from my mortgage Company to verify the payments and their reporting. 

I don't understand why they can take up to 60 days to rectify an error but yet that delays the consumer and doing business because our credit scores of incorrect. and the ger a rapid rescore we have to pay for that.
Product: Credit reporting or other personal consumer reports

Capital One extends pre-qualified promotions to me and when I apply they decline due to a previous account over 15 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not mine authorize user card
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting a name on my credit report which is not my name. My name is XXXX XXXX. 

Transunion is reporting XXXX XXXX on my credit report. i have requested the name to be deleted. The informed me over the phone it has been deleted but it is still on my consumer credit report. This is not my name and reporting it as my name can compromise my consumer credit profile. 
attached is my social security card copy of my credit report and proof of address the only name that should be reported on my credit report is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year my banking has been used debit cards credit cards loans. XXXX XXXX had tons of fraud on my accounts they closed due to fraud and someone out of us trying to deposit funds it continues to happen I recently found out I was part of XXXX breach it said 5 breaches I gave letters my medical records were taken my mortgage company sent me a letter u was compromised. I have loans and credit cards not mine I have a claim number for breach its ruining my life my credit my banks been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my three credit reports ( XXXX, XXXX and XXXX XXXX ). I found seven inquiries from Capital One, six done on the same day. I did not apply for credit from them even once nor do I have an account with them, although they did many of the inquiries as " Account Reviews ''. the excessive inquiries lowered my credit scores as well. 

I sent a letter to them and they responded with a phone call, during which I was asked to confirm my birthday. I refused since they obviously had the information to be able to access my credit multiple times and the representative ended the call. 

While preparing this complaint, I found MORE inquiries done by Capital One on my credit that I did not authorize or do ( all told, Capital One did 12 inquiries on my credit ; XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). Today I received a letter from XXXX XXXX ( attached to the complaint ) admitting to doing the initial XXXX inquiries and being unable to confirm it was me who did them, but failing to pay me the {$1000.00} per inquiry amount required for them doing so without permissible purpose. They have also said they have requested for the inquiries to be deleted, but they might not be and turned into " soft '' inquiries. 

As of today, XX/XX/XXXX, they owe me {$12000.00} for the twelve violations of the FCRA, plus damages for lowering my credit score and willful violations.
Product: Checking or savings account

I have a an account with Relay Financial ( XXXX XXXX ) and transferred money to this account but later decided to move it to another account. I initiated an ACH on XX/XX/2024 $ XXXX to be moved to my savings account at large bank. The money was immediately taken out of my Relay Financial account and showed on my app as deducted on XX/XX/2024. Assuming it would take XXXX XXXX business days and given there was a weekend, it should have been deposited by XX/XX/2024. On the morning of XXXX I get an email telling me my account has been frozen and documents are required for any transactions to take place. After a lot of back and forth on what documents will help unfreeze my account, I was asked to provide bank statements of the source of the funds ( I wire transferred the money into the account from an account with a credit union ). I provided screenshots of the transaction which was not accepted. I provided a picture of my paper statement, which was not acceptable and finally after signing up for e statements and downloading a pdf version to send to them ( which I think was in some way a violation of privacy of my financial information ). I did not hear back till the next day. I need the funds to put a down payment to close a real estate transaction and I didnt have it when I needed it. On XX/XX/2024 I see that the amount that was deducted with the date XXXX has now suddenly changed dates to XXXX! The funds are then showing in my savings account on XXXX but with the status processing. I asked several times for the reason for freezing my account and why was the transfer delays ( even if for 1 day ) and only got a reply saying if was a General account review. So I ended up not closing the transaction and only get a sorry for the inconvenience from the banks agent. Can a bank freeze my account for no good reason? If funds moved into the account by wire transfer had no issue then why was I asked for statements for source account? How come funds were deducted from my account immediately on XXXX but not processed till XXXX ( XXXX business days later )? 
This is the second time this is happening and the first time was on XX/XX/2024 and it took more than a week to get unfrozen after providing personal account statements and LinkedIn profile link to prove I am an actual person! I suspect this bank delays large transaction to make few percentage points with your money by delaying transaction for frivolous issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair act XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat on an account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out through certified mail. 

According to the FRCA, the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of such information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX. ) XXXX : XXXX XXXX. ) XXXX : XXXX XXXX. ) XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, XXXX and XXXX XXXX XXXX have violated my privacy due to the Fair Credit Report and Privacy. I notices my bankruptcy was report without my written or verbal consent. The courts of Texas does not report information to any credit reporting agency ... ... .So how can they report my information... ..My information is private
Product: Mortgage

Took a {$40000.00} second mortgage out to consoldate bills in XXXX. It was AN ACTUARY loan at 10.5 %. I faithfully paid {$430.00} everymonth two months shy of 15 Years. I rteceived written notification that may laon would mature on XXXX and I had an outstanding balance of {$39000.00} How could that be possible? I have paid almost {$77000.00} on a {$40000.00} loan. I looked as the Mortage Servicing Site and saw they raised the initial loan amount to {$47000.00}, which is false. They only applied my payments to the interest only and didn't credit the principal. I believe that this loan should only have a {$7000.00} balloon payment and was aware of that when we signed it. When I called to talk to someone they said they do not take phonr calls and only do it over the computer and it would take 30 days and then they would ask for 14 more days if they couldn't settle the matter. This loan originated with XXXX XXXX and was taken over by GreenTree and then XXXX XXXX and we can see how much trouble they got into. in XXXX they just sent me a loan modificatrion contract, which I did not ask for and held up my payments until a government agency intervened and they sent me an appology letter and corrected my " late '' payments. Obviously they want me to keep paying this loan, because the customer service person said that if they find I do own the {$39000.00} they have financing options! I more then paid for it, with the {$7000.00} balloon payment always at the end. They miss appropriated my monthly payments and put it towards interest instead of toward the principal. Can you please help me of direct me to the agency that handles FRAUDULENT Mortgages? 
The Servicing Company is XXXX now, but I thinkl XXXX XXXX started the fraud.
Product: Vehicle loan or lease

I XXXX XXXX, the natural person, consumer, and original creditor am not a third party, nor is there a third party involved or assisting me with this complaint. I am filing this complaint by myself for myself. 

I XXXX XXXX the natural person, consumer, and original creditor of an open-end credit plan was denied my right of credit By NAVY FEDERAL FINANCIAL GROUP XXXX LLC, doing business as NAVY FEDERAL CREDIT UNION . I was notified of this transgression of my rights by NAVY FEDERAL FINANCIAL GROUP, LLC, doing business as NAVY FEDERAL CREDIT UNION, according to 15 USC 1601- The Truth in Lending Act by US mail XX/XX/2021. Based on 15 USC 1602 definitions of the Truth in Lending Act I as the natural person possessing an open-end credit plan was harmed by NAVY FEDERAL FINANCIAL GROUP , LLC, doing business as NAVY FEDERAL CREDIT UNION adverse action taken against me denying me my rights pf which the civil damages pursuant top 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} NAVY FEDERAL FINANCIAL GROUP , LLC doing business as NAVY FEDERAL CREDIT UNION is now civilly liable to pay damages.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and XXXX Letters have been returned not deliverable addressed unable to forward. 
XXXX. XXXX XXXX XXXX - {$870.00} XXXX. U S Department of EDXXXX {$3300.00} XXXX. U S Department of EDXXXX {$4100.00} XXXX. XXXX Accounts Charged Of {$12000.00}. XXXX Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX - XXXX XXXX Account XXXX. XXXX XXXX - XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account
Product: Credit card or prepaid card

On XX/XX/21, I was notified by Bank of America automatic fraud alert system that my credit card was being used in a manner that was suspicious. As I had the credit card in my wallet at the time and was not being used, I called the fraud phone number and notified Bank of America that these were fraudulent charges. My card was then deactivated, but {$250.00} was already charged to this card fraudulently. I submitted a dispute stating that these were fraudulent charges, but 3 weeks later, Bank of America ruled against me stating that my card was used at that time therefore it was not fraudulent and billed me for the full {$250.00}. On discussing with the representative for Bank of America, I was notified that a new credit card was sent to me a few weeks prior to XX/XX/21, but that I was not notified that I was being sent a new credit card in the mail and never received this new card. I requested that my case be re-opened for investigation as it was likely that this new card that was sent in the mail was stolen and was used fraudulently. 

I have called Bank of America every single day since then and each representative in the fraud department has given me a different answer in regards to my case being re-opened. I have had different representatives tell me that the case was re-opened incorrectly or that there was no record of the case being re-opened. I have asked to speak to a manager each time and each manager has promised me to re-open the case but every day when I have called, there is a new reason ranging from the case was not re-opened correctly or that the case does not exist in the system. I have spoken to multiple representatives at Bank of America and no one has been able to help me with this.
Product: Mortgage

Dear CFPB, XXXX XXXX XXXX Re : loan # XXXX DMI I am reaching out fir your help after to nearly 7 months of effort requesting a forbearance extension. 

In XX/XX/XXXX, I was approved for a 3 month forbearance under the CARES Act COVID related forbearance, for time period XXXX XXXX XXXX 
On XX/XX/XXXX, per the original forbearance approval letter and verbal instructions, I requested a 3 month extension on my forbearance. 

In XXXX I began receiving collection calls and the servicer began requesting payment in full for the missed payments while in Forbearance under CARES Act.

I have been working with them for months, to no avail, on forbearance. 
I have attached phone record history and email/ loan solution center history showing my immediate responses of requests for documentation. 
During this time perid DMI has negatively reported my mortgage account which has resulted in numerous creditors reducing my credit lines and damaging my credit score.
Product: Credit reporting or other personal consumer reports

I am formally disputing erroneous and inconsistent information on my credit report related to the XXXX XXXX and XXXX XXXX XXXX accounts. These accounts contain blatant errors that violate XXXX XXXX standards and constitute a failure to meet the requirements of the Fair Credit Reporting Act ( FCRA ) 1681s-2. The inaccuracies are damaging and legally indefensible, and I demand immediate correction or removal of these items. Failure to act within 30 days will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the initiation of legal proceedings for damages under 15 U.S.C. 1681n and 1681o. 
XXXX XXXX  - Account Ending in XXXX XXXX. Inconsistent Reporting Across Bureaus : This account displays incomplete reporting across XXXX, XXXX, and TransUnion. XXXX XXXX guidelines mandate that all data furnishers report complete and identical information. The lack of information in XXXX and XXXX significantly misrepresents this account. 
XXXX. Incorrect Late Payment Entry : TransUnion shows a 30-day late payment, which is unverified and lacks proper documentation across other bureaus. This discrepancy violates XXXX XXXX requirements for consistent reporting and the FCRAs accuracy mandate. 
XXXX. Erroneous High Balance Reporting : The high balance listed by TransUnion conflicts with missing data from XXXX and XXXX. This inconsistency inflates my credit utilization ratio and is a clear breach of XXXX XXXX guidelines for accurate balance reporting. 
XXXX. Failure to Report Essential Details : Crucial fields, such as account number, account type, and status, are either missing or inconsistently reported among the bureaus. This lack of complete data further distorts my credit profile and constitutes noncompliance with XXXX XXXX standard for full and accurate reporting. 
XXXX XXXX XXXX - Account Ending in XXXX XXXX. Irregular Reporting of Account Status : The status is listed inconsistently as " Open '' by each bureau, with differences in the reporting of account details, which directly violates XXXX XXXX standards requiring uniform account status across all reporting agencies. 
XXXX. Non-Uniform Payment Frequency and Mortgage Terms : The mortgage terms, including the monthly payment and payment frequency, are reported differently among the bureaus. XXXX XXXX standards require these fields to be consistent, as any deviation negatively impacts my credit evaluation. 
XXXX. Discrepancy in High Balance Information : The high balance figure varies across XXXX, XXXX, and TransUnion. XXXX XXXX compliance requires that high balance data be consistent to ensure that my debt load is evaluated accurately. 
XXXX. Inaccurate Last Payment and Last Activity Dates : The last activity and payment dates differ significantly between the bureaus. XXXX XXXX standards require these dates to be accurately and uniformly reported, and the current discrepancies represent a flagrant violation.