23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a XXXX veteran. I had fallen and I told the ambulance driver to take me to VA hospital, they said no they will kill you there. I have spoken to XXXX. XXXX they were supposed to have this taken off. I have been unable to get Experian to take it off. I have a company who bought my lien from XXXX. That was supposed to have been taken care of when I filed bankruptcy XX/XX/XXXX. I have been trying to keep my house from foreclosure. XXXX a company I had never heard of sent me a certified letter telling me I had 6 days to come up with XXXX for a XXXX. Loan I had been making payments since XX/XX/XXXX. I am going to close on XXXX XXXX. My interest is at 11 % I had paid my XXXX mortgage XX/XX/XXXX they never contacted me. I have been ripped off by attorneys, XXXX that tried putting me through another chapter XXXX, XXXX kept XXXX. The other was through legal aid. XXXX XXXX XXXX a month after 4 month 's told me they did n't have jurisdiction in Texas took 3 months to get my money back. XXXX took XXXX a month for 6 -7 month 's, told me that they could n't help after telling me lies. I have not received my money or anything showing what they did for me. I never went through bankruptcy but they say it will stay on my credit report for 7 years. My credit score has cost me XXXX and I do n't know why they are able to destroy you. Why was XXXX never on my credit report, why did I just have 6 days to keep my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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: Payday loan, title loan, or personal loan

I entered deferment if loan for XXXX and XXXX payments. I called to speak to representative in XX/XX/2020. Since this time, they have been reporting the deferred payments as past due. I now have a 60 date past due account status, when my account is in fact current. I was not told that this deferment would cause my credit score to decrease. If so, I would have never taken the deferment. I am trying to close this account due to inaccurate reporting, and they wont let me. I have been taking out of deferment, and have since made all payments on time. This company will not include deferment on payment history, which will lower your credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent EXPERIAN a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The response I got from Experian was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, otherwise these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!
Product: Credit reporting or other personal consumer reports

I ordered my chex systems report today and recognized Information concerning XXXX XXXX XXXX XXXX reported on chex systems as inaccurate and could be mistaken as someone else 's information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 2AI ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX balance {$630.00} under account number starting with XXXX. XXXX this account is ending in XXXX. XXXX this account number starts with XXXX. XXXX is in violation of 15 USC 1681 2AI and 15 USC 1681b a charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report I never received a 1099c form from the creditor. This account have resulted in fraudulent charge-off/write-off appearing on my consumer XXXX credit report. The accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. I have attached the needed ID, SS #, proof of address. These items are valid and you will not be allowed to deny my attached docs as proof of ID.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting

4 TIMES I TRY TO DISPUT WITH XXXX XXXX, EQUIFAX AND XXXX WITH NOT RESUTLS.
Product: Money transfer, virtual currency, or money service

This is about zell and not having the security that should have been in place for an feature thats so important!
Product: Debt collection

I got the below email and I have no known business with these people : On XX/XX/2023, at XXXX, Moneylion@writelines.com wrote : Hi, Our fraud department detected unusual activity on your account! 


Log in to your Account to Accept or Cancel this transaction. 


Verify Now : https : //members-moneylion.com.do/? TRANSACTION_ID=Nx5D-2BL732rBgjuDrSYBGQ97ouZ3gMWW2iQd4-2Fi8k1DQ Failure to unlock your account will result to permanent closure. 


Thank you Moneylion Team
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bought an item that required I wire the money to the other which is XXXX XXXX for XXXX on XX/XX/2001. To my surprise they sent me an email stating they transfer the same amount of money to the same bank on XXXX XXXX. Since then I am fighting them to correct that mistake and they did nothing to remedy that issue. I even spoke to a case manager on that same issue whose name is XXXX and the case number is XXXX. For a month I am unable to pay my bill because of their mistake. One of their representative told they can try to recuperate the money but I will get less of it.
Product: Credit card or prepaid card

I got an alert from XXXX  on XX/XX/2023 that I opened a new credit account for XXXX dollars in the name of Comenity capital bank/ my smile and this affects my credit and credit score, never apply for this card. That credit card has never arrived at my house and I have never requested it, it is fraud, they used my social security to process that credit.
Product: Mortgage

Loan was paid off last year. Received letter, check confirming overpayment. Bank of America refuses to removed loan from title report and release UCC. Second loan dates back XX/XX/2005, loan is closed. Loan was with XXXX XXXX and the loan was replaced by Bank of America after merger with XXXX XXXX. Title report reflects XXXX dollars on loans paid off. Bank of America refuses to remove loans and UCC FILINGS OFF THE TITLE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

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

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX  is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX My DOB XX/XX/1991, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the continued verification of inaccurate information on my credit report. Attached are letters that clearly show the reported data is incorrect. Despite receiving this evidence, your agency has not taken the necessary steps to correct or remove the inaccurate information, and it is still being reported as accurate. 

This failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX Seedfi sold their loan agreements/debt to a company call XXXX without my knowledge, I made one payment with XXXX  on XX/XX/XXXX to try and stay on track with my loan payment, however I noticed that the payment never reported towards my loan or to my credit report so I stop making payments and tried to contact Seedfi. No one was able to help. Now here we are in XXXX and XXXX has reported to my credit stating my loan is 90 day past due with isn't true. I made two payments with Seedfi that haven't we towards my loan balance, those two payment were made on XX/XX/XXXX and XX/XX/XXXX. my three payment made to XXXX were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has stated that no payments were made with Seefi or their company with has negativity affect credit. i've called both companies and resolution has been provided.
Product: Credit reporting or other personal consumer reports

I looked at my report yesterday on XXXX XXXX and I noticed several inaccuracies and incomplete things on my consumer report. According to the FCRA consumer reporting agencies should follow reasonable procedures to assure maximum possible accuracy of the info concerning my report in which it relates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows/has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Everhome Mortgage, This is my second complaint. This company is manipulating my XXXX payment. Every month they send out my statement on the XXXX or XXXX citing regulation that requires them to send the statement 20 days in advance of payment. What this does it that it prevents the statement from showing the most current and up-to-date information. Every month I have this following issues : ( 1 ) each month my statement shows a past due balance, ( 2 ) The statement is never current meaning my statement for XXXX XXXX payment does not reflect my XXXX payment, ( 3 ) Interest is calculated on the a higher principal balance each month, ( 4 ) I can never tie into their interest calculation, ( 5 ) They never disclose the dates used in calculating the interest for each period. 
The most important issue her is this - Instead of my monthly interest payment going down it goes up each month despite paying down my principal. This is a clear indication that something is wrong. Either the twenty day rule needs to be revised or there is abuse somewhere. Here is an example Everhome Mortgage Billing Structure XXXX XXXX XXXX XXXX XXXX Payment Due Date XXXX XXXX XXXX XXXX XXXX Payment Date XXXX XXXX XXXX XXXX XXXX Past Due - XXXX XXXX XXXX XXXX Current Payment XXXX XXXX XXXX XXXX XXXX Min Payment Due XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Finance Charge XXXX XXXX XXXX XXXX XXXX Payment ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) New Balance XXXX XXXX XXXX XXXX XXXX Principal Balance XXXX XXXX XXXX XXXX XXXX Please look into this for me Thanks again for all the work you do
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my Trans Union report they are not mine please delete them ( 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 Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

Made several attempt to resolve these issue but to no avail could I get this resolved. RADIUS GLOBAL SOLUTIONS
Product: Debt collection

i am getting calls and company have report negatively about me I paid original bill a years ago
Product: Debt collection

I have disputed a an electricity bill that I paid in XX/XX/XXXX, the utility company wanted to charge a redeposit fee of {$270.00}. I did not agree and sought another service provider. The reason this happened was due to me being displaced from an act of God a Hurricane XXXX. I am still not in my home and this is the only negative remark that is unfair not accurate and is impacting me negatively as a home owner and US Veteran Business Owner. I have tried to pay the Alleged amount owed under protest on XX/XX/XXXX only to have my check returned. I will forward the documents as proof. This agency can not have it both ways and this last act only affirm what I have always maintained. This is not a legitimate claim and should not be on my credit profile. In addition to this complaint I will be forwarding a formal letter to the Three major credit reporting agencies with supporting documentation. I need to be treated fairly based upon the Fair Credit Reporting Statute. This has not been the case as it relates to this issue. My documentation supports my argument.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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