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

On XX/XX/2021 I had some issues with the TD Bank app. It was not working and I was getting an error message saying unable to connect to server I have attached a screenshot of it to this statement. I decided to go to a branch, the following day to make a payment but it was on thanksgiving day and the bank was closed. I had to do it the very next day, on XX/XX/2021. I have made XXXX ( XXXX ) payments in cash. One for {$500.00} and the second one for {$80.00}. I have attached a copy of the receipt to this statement. In total that day I have paid {$580.00}. The last day of my billing cycle was XXXX XXXX. So I have made the 2 payments before the last day of my billing cycle. Unfortunately those to payments have not been reported to the 3 credit bureaus. My balance before the payments was {$590.00}. My balance after the 2 payments should have been {$17.00} since I have paid {$580.00}. TD bank did not report the payments I have made to the 3 credit bureaus. I want them to fix it!!! I have sent a letter to TD bank about it ( attached to this statement ) but they have not done anything!!
Product: Debt collection

The creditor refused to respond to my request of them to validate the debt pursuant to the FDCPA 15 USC 1692g Sec 809 XXXX b ). 

The request I made was on XXXX XXXX, 2015, and to date they have refused to respond. Even worse, they placed this account for collection on my XXXX Credit report. These bully tactics on the part of this creditor are a clear violation of the FCRA & the FDCPA, and serve to only defame my character & ruin my otherwise good name. 

The request I sent was sent " Registered, Return Receipt '' and you 'll notice that I have proof that the creditor not only received my letter, but they read it & still refused to respond. 

Please help. I have no where else to turn for help.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I also contacted the local branch here, just like other customers who also encountered being limited, but to no avail. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for almost a month now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX Thank you in advance for responding.
Product: Credit reporting or other personal consumer reports

In accordinace to # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. 

My FedLoan Servicing was completely forgiven by the government and should reflect a positively on my credit report. Unfortunately, there is inaccurate information about this account which is having a negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as well as 15 USC 6802 Obligations with respect to disclosures of personal information. 

The accounts are as follows : XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The prementioned companies have violated my rights as follow 15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 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 antedantes the report by more than seven years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX PA OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This organization has a hard time telling the truth.

1 ) all but 1 of my affirm loans are paid in full, so saying ive got 7 deliquent loans is LIBEL oure and simple 2 ) Pursuant to Federal Law 15 USC 1692 g known as the fair debt collections practices act, your organization as a first party debt collector is required to furnish in writing validation of debt and, until such time as it is furnished, NO CONTACT CAN BE MADE or it constitutes harassament 3 ) I AT NO TIME ISSUED A CEASE AND DESIST ORDER OVER THAN WHAT IS OUTLINED ABOVE. NOT MY PROBLEM IF TOUR AGENTS CANT UNDERSTAND OR DIFF
ERENTIATE PLAIN ENGLISH 4 ) pursuant to the Fair Debt Collections practices act, sn organizations refusal to accept payment is grounds for cancellation of debt or the matter can be pursued in a court where much higher damages INCLUSING emotional distress violation of state n federal law and pain n suffering wiuld be sought as well NOW, I AM SAYING THIS AS CLEAR AS I CAN, REINSTATE MY ABILITY TO PAY THEU THE AFFIRM APP AND REVERSE THE CHARGE OFF BEFORE I AM FORCED TO SEEK LEGAL REMEMDIES
Product: Debt collection

I am requesting the removal of an account from my credit report as it has been more than 7 years since the charges were made. However, the date on my credit report is inaccurate, stating XXXX as the year of the charges. The charges were a result of Hurricane Harvey, which affected me and forced me out of my home during the period when the charges were made. The amount charged was {$490.00}, but this is incorrect as the company added frivolous charges. The actual amount charged was only {$200.00}. Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding the circumstances. I can provide documents as proof that I was affected by Hurricane Harvey at the time. The account is set to be removed from my credit report in XXXX, but it should be removed in XXXX.
Product: Mortgage

Received a letter from my mortgage servicer Fay Servicing stating the forbearance I requested was granted and additional information is needed to process my mortgage assistance request. I received a call from Fay Servicing XX/XX/2020 stating there was a property foreclosure sale set for my home XXXX, how could that happen when Fay servicing stated I'm in a forbearance. I have not received correspondence from Fay Servicing or XXXX XXXX XXXX XXXX XXXX the foreclosure attorney stating there is a foreclosure sale for my home. Tennessee Code Annotated states the home owner is to receive 30 notice prior to the foreclosure sale
Product: Checking or savings account

On XX/XX/year> I Attempted To Withdraw {$240.00} From A Wells Fargo ATM, The ATM Then Proceeded To Make A Dispensing Sound & Then The Screen Went Black, The Money Dispenser Opened With No Money & It Stayed Open, I Reached Inside & It Wasnt Anything In There, The ATM Then Proceeded To Say Out Of Service, I Called & Filed A Claim With Them & Somebody Told Me They Would Give Me A Provisional Credit Whenever The Transaction Posted In 24-48 Hours, Until The Investigation Was Completed ( All On A Recorded Line ). Today The Transaction Posted & I Called Back To Ask About The Provisional Credit, I Received Horrible Customer Service, And A Run Around, I Had To Go To The Branch In Person Where The Manger Called Somebody Else & They Told Him I Didnt Qualify For The Provisional Credit & I Had To Wait Until The Investigation Was Over, I Lost {$240.00} Due To Their Mistake & Now I Cant Pay My Bills Tomorrow
Product: Debt collection

I have spoke to Midland Credit Management in the past and this is more than once they have done this to me. I have even even filed a cease and desist against them and they have violated my wishes, once more. On XX/XX/2023 I received a letter which will be attached to this complaint, where the company even acknowleged that I ask for cease communications. But in this letter they have threatened a lawsuit against me, further damaging my name and credit report. 

Which in turn violates Section 1692c in Title 15 of the U.S. Code Under this section of the Fair Debt Collection Practices Act, third-party debt collectors must cease contact with the debtor upon their request. I believe Midland Credit Management has further violated the FDCPA Laws which also says debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : The amount owed That the debt collector is an attorney if they are not False threats to have you arrested Threats to do things that can not legally be done Threats to do things that the debt collector has no intention of doing
Product: Debt collection

Identity stolen in 2016. Police report filed. Contacted all companies to let them know I wasn't the one who made purchases. Now 3 years later I've turned over to a debt collection company. Never received any more correspondence from company. This was taken care of 3 years ago.
Product: Credit reporting or other personal consumer reports

My wife and I are separated in marriage ; I no longer live under the address when we were together. The address when under marriage, is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My personal and new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I will submit leasing contract as a document attachment. 

My wife was late in mortgage payment for the month of XX/XX/XXXX and XX/XX/XXXX to the financial company XXXX XXXX XXXX. She was late 60 days, consequently she is over XXXX XXXX  in the rears. My name is associated with this Mortgage as a co-signer, I am in the process of hiring a lawyer to assist in the divorce presidence. 

The compliant that I have with Equifax is that they deducted my credit score XXXX XXXX 
I called spoke with a customer agent, and asked why did Equifax deduct so many points from my credit file ; the spoke person told me that all they know is the points are done through a computer, and they don't know the numerical points per each derogatory reporting. 

I expressed my concern about the excessive deduction of XXXX XXXX from my ex-spouse being late on the mortgage, plus the Equifax did not take into consideration of the separation, disregarding the attachment of the leasing contract that I sent through email while I made the dispute proving that I have my own address. 

Equifax spoke person wasn't able to give me an answer in there numeric system towards to justify there score if XXXX XXXX deduction. 

My compliant is ; please release a data sheet describing each in fraction of a derogatory reporting and it's point associated with that infraction of a derogatory report, and justify their deduction of XXXX XXXX deducted for my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX. EQUIFAX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 


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

Experian refuse to remove XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. From my credit report. Even thought these accounts where removed from XXXX  and XXXX  on. 
XX/XX/2019 and XX/XX/2019. These accounts are not mine and have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE
Product: Credit reporting or other personal consumer reports

I sent disputes to the credit bureaus concerning fraudulent information reporting on my consumer report but they have not corrected it. 

I am writing to formally dispute several accounts that appear on my credit report, which I believe contain inaccuracies and violations of federal laws. The accounts in question are detailed below : 1. XXXX XXXX XXXX Account Number : Not Available 2. XXXX XXXX Account Number : Not Available 3. XXXX XXXX XXXX Account Number : Not Available I am disputing these accounts based on the following grounds, as supported by provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are not reporting 100 % accurate information. They contain errors and discrepancies that misrepresent my credit history. 
2. These accounts were erroneously reported as a result of the XXXX data breach, which constitutes a direct violation of the FCRA. The reporting of these accounts is inaccurate and should be corrected accordingly. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ), these accounts do not meet the criteria for inclusion in a consumer credit report. Any credit transactions supposed to be excluded from a consumer credit report, particularly those involving the unauthorized use of my Social Security number, should not be reported.
Product: Credit reporting or other personal consumer reports

please see supporting documentation pertaining to Equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 60 days late. There was an error on their part. I was never 60 days late.
Product: Credit card or prepaid card

I Used my XX/XX/XXXX Mastercard through Barclays bank to purchase a trip back in XX/XX/XXXX XXXX through XXXX. for the amount of {$3800.00} and insurance payment of XXXX. In XX/XX/XXXX I received an email from XXXX stating my trip which was scheduled for XXXX XXXX, XXXX to XXXX XXXX had been cancelled and they were unable to give refunds and for me to reach out to my credit card company to get my refund. I called my card company they said I had to send in written statement which I did. Supposedly they put it in the system incorrectly which i didnt know but they told me it would take 3 billing cycles for my refund. So once i waited and received nothing i called again at which they said I needed to resend my paper statement which I did. This time I called in early XXXX and spoke to a supervisor which apologized and said she would take care of it. I got 4 letters from my card company. One dated XX/XX/XXXX XXXX explaining my dispute. One dated the XXXX saying my dispute was denied due to time frame. Then two dated the XXXX saying it was being investigated again. So I contacted them via the chat system which I have copies of the conversation and was told I would hear from a manager in 24 to 48 hours which it has now been over 48 hours and I've heard nothing. I'm missing nearly {$4000.00}. And they have been charging me interest on this since I tried to cancel in XXXX. Now it is services not renderred because I did not go on my trip XXXX XXXX. I've filed a police report and with the FL AG. This is my last hope to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : EMPLOYER : NOT PROVIDED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Product: Mortgage

Starting in XX/XX/XXXX, Ditech Mortgage, started to add {$160.00} to my mortgage payment of {$390.00} for a total of {$550.00}. They claimed I was not making my property tax payments. But, all along I had been making my payments to my XXXX County fiscal office, as I had always been. Ditech sent a payment of {$700.00} to my fiscal office which has since been refunded to them in XX/XX/XXXX. After over a year of trying to get this resolved by phone calls and sending in proof of payments, I am now in foreclosure and my credit has been damaged, and no closer to getting this resolved! I have made all of my mortgage payments and my property tax payments each month but they say I am {$2000.00} past due including late charges, and I 'm in foreclosure. I am trying to sell my house but can not put it on the market until this gets resolved. I want my credit repaired, any late charges removed and the account adjusted to show current. I have submitted supporting documents to you to show my proof of payments for my mortgage and property taxes.
Product: Credit reporting or other personal consumer reports

Experian has ignored me long enough, and Im done being patient. Ive tried multiple times to get this issue resolved, and its clear Experian refuses to take me seriously. They keep reporting my payment status as Current, was past due XXXX days, which is completely false. Both XXXX and XXXX have correctly reported it as Paid or Paying as Agreed, but for some reason, Experian clings to this error like its a permanent part of my record. This is more than just negligence now, this is outright disregard for my rights as a consumer. Experian is in direct violation of 15 USC 1681e ( b ), which requires maximum possible accuracy in credit reporting. By refusing to fix these inaccuracies, Experian is not meeting its legal responsibility to ensure my credit report is correct. Also, 15 USC 1681i requires credit reporting agencies to conduct a proper investigation and correct errors when a consumer disputes them. But lets be realExperian hasnt conducted any meaningful investigation. If they had, this wouldnt still be an issue. Their repeated failure to correct my payment status shows they are not following the legal process for disputes. Lets not also forget 15 USC 1681b ( f ), which states that no one can report or access information on my credit without a permissible purpose. This inaccurate reporting is tied to Experians willful noncompliance, which opens the door to liability under 15 USC 1681n** ( willful violations ) and 15 USC 1681o ( negligent violations ). Experian is knowingly allowing incorrect information to remain on my report, despite repeated notifications, and that is unacceptable. By ignoring my previous disputes, Experian has caused harm and damage to my financial standing, for which I will seek legal remedies if this is not fixed immediately. I AM DEMANDING THAT EXPERIAN CORRECT MY PAYMENT STATUS TO REFLECT " PAID OR PAYING AS AGREED, '' JUST LIKE XXXX AND XXXX HAVE DONE. EXPERIAN ALSO NEEDS TO FIX THE INACCURACIES IN MY PAYMENT HISTORY. IF THE OTHER BUREAUS CAN GET IT RIGHT, WHAT IS EXPERIANS EXCUSE? THEIR FAILURE TO ACT SHOWS CLEAR NEGLIGENCE AND DELIBERATE NONCOMPLIANCE.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discover some instance of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is Imperative that this information be reported with at most accuracy. I have never missed a payment on the following account. ( XXXX XXXXACCOUNT NUMBER XXXX. I request a thorough investigation into these discrepancies. THIS IS AFFECTING MY LIFE. I cant move on with my life with this late payments in month of XXXX AND XXXX THAT SHOWS IN MY CREDIT.I DEMAND THAT THESE PAYMENTS BE PROMPTLY UPDATE TO REFLECT THEIR TRUE STATUS AS ON-TIME, AS I HAVE CONSISTENTLY UPHELD MY PAYMENT OBLIGATIONS WITHOUT DELAY. THANK YOU FOR YOUR WORK HELPING ME GET THIS RESOLVE