23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX has inaccurately reported to XXXX and TransUnion Credit agencies that I had a late credit card payment in XXXX of 2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Freedom Debt Relief in spring 2019 because I had overwhelming debt and wanted to get it paid. I was directed to not make anymore payments towards my debts and that they could help me lower them to one monthly fee. I was also told that there would be no charges until my settlements were taken care of. The company took out a total of {$5700.00} from my account and often sent me notices that they had reached a settlement offer and I needed to approve the offers so I did. Almost every debt I have claims they were never contacted and during my time with Freedom Debt Relief I had two judgements placed on me. I took screenshots of all fees charged to me and at one point there was a settle fee in the amount of {$840.00} for Freedom Debt Relief. Only one account was handled by this company and that was for {$500.00}. I requested for my money to be returned to me and they refused stating the money is theirs for fees owed. I am now trying to dig my way out of the debt myself and was scammed out of all that money I could be using to take care of these debts they promised they would handle. Also, I was told in the beginning I was in a 2 year program and this would be handled by now. Nothing was done for me by them. Im in a worse position than I was when I was quick talked into signing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recognition of these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was dropped XXXX points on XX/XX/XXXX when Experian removed my XXXX XXXX {$25000.00} credit card account details from my credit file. When I noticed it I submitted dispute report XXXX with Experian on XX/XX/2021. An affidavit was submitted that has not been rebutted or acknowledged. On XX/XX/2021 XXXX XXXX XXXX XXXX reported this account again on it's scheduled reporting date bringing my score back up XXXX points after it reinserted back into my file. On XX/XX/2021 Experian reported an updated balance of {$6200.00} dropping my score by XXXX points. This was done maliciously as the account details were already reinstated by by my creditor on it's scheduled report date. The account details were no longer in question after the creditor reported my account, only the high balance remained in question. This balance is not a reporting statement nor is the high balance that is being reported. I have reason to believe that mainly this bureau is intentionally & willfully hurting my credit rating. This was the results of my dispute. This is what they've been doing when I've challenged them. This is a repeated offense of Experian with this account. I removed an exceptional XXXX XXXXXXXX account after the bureaus stopped reporting for 5 months the accurate balance to reflect a high utilization balance negatively impacting my score every month there after until I had to close it after the creditor themselves informed me they weren't sure why it was updating when they report every month. This current account has been exceptional since it's inception. When Experian notices me monitoring my credit or extending myself for credit this tends to coincidentally happen. Please refer to complaint ID 's below for full records of names, dates, and documents stating my case. 

Complaint ID # XXXX was marked closed as a duplicate by Experian while this specific complaint provided all statements up to date that the prior Complaint ID # XXXX did not consist of. Those files included in the dispute shows irrefutable evidence that Experian 's reporting of account high balance was inaccurate. 

Complaint ID # XXXX was disputed due to the above mentioned account being removed completely from my credit file. It was closed with CFPB and later stated that account details were verified with the creditor. 

Complaint ID # XXXX was a dispute for inaccurate highest balance being reported by Experian. It should never had been marked as a duplicate. They were two separate disputes. This complaint is well pass the 30 day mark which they have failed to comply with. 

Attached you will find affidavit submitted to Experian Reports that reflect how Experian drops my score whenever it increases How the account was reporting when I disputed it on XX/XX/2021 XXXX
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint against Credit Control Service for multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Summary of Violations 1. Failure to Provide Debt Validation ( 12 CFR 1006.34 ( b ) ( 5 ) ) Credit Control Service has failed to provide validation information for an alleged debt they claim I owe. Despite this, they reported this account to consumer reporting agencies, thereby violating their obligations under federal law.

2. Denial of My Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) I was not provided the opportunity to dispute this account, as required under federal law. The agency d
id not inform me of my right to dispute or provide adequate time to exercise this right.

3. Deceptive and Misleading Practices ( 12 CFR 1006.34 ( d ) ) Credit Control Service has engaged in deceptive and misleading practices by reporting inaccurate information to consumer reporting agencies without proper validation or required disclosures.

4. Unlawful Furnishing to Consumer Reporting Agencies ( 15 USC 1681-S 2 ( 7 ) ( A ) ) The collection agency has no authority to report this debt to consumer reporting agencies without fulfilling their legal obligations to disclose and va
lidate the debt. Their actions represent a clear violation of my rights under the FCRA.

Relief Requested I respectfully request the following actions : 1. Immediate investigation into Credit Control Services practices and their compliance with the FDCPA and FCRA. 2. Immediate removal of the disputed account from my credit report with all consumer reporting agencies.

3. Written confirmation that Credit Control Service ceases all reporting and collection activities related to this account until they comply with federal laws.

4. Assurance that Credit Control Service provides complete debt validation, including : o Proof that I am legally obligated to pay this debt.

o The purchase agreement between Credit Control Service and the original creditor.

o Proof that Credit Control Service is licensed and bonded to operate as a collection agency in my state.

Additionally, I want to revoke all forms of communication from Credit Control Service via phone, text, or email, as permitted under FDCPA [ 15 U.S.C. 1692c ]. Any future communication must be conducted in writing and sent to the address listed above.

Conclusion Credit Control Services actions have caused unnecessary harm to my creditworthiness and financial well-being. I urge the CFPB to ensure they investigate and respond to this matter within 14 days of receiving this complaint, as required by their legal obligations. Swift action is necessary to hold them accountable for their violations and to protect my consumer rights. 
Thank you for your attention to this matter. I look forward to your response regarding the resolution of this complaint. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Date : XX/XX/year> XXXX Company : XXXX XXXX XXXX Contacted XXXX XX/XX/XXXX, was advised there was no account under my name. They couldnt help me refund since someone used my information accidentally they are not able to do anything. They advised to contact Cash app/banking institution. 

Contacted Cash app via chat and phone call, they have been incompetent. Opening multiple cases, going around circles and not providing any answers.
Product: Debt collection

My mortgage loan was processed out of forbearance on XX/XX/XXXX into a covid-19 defferal by this serviceer ( loancare ). I made my first pmt post forbearance on time on XXXX XXXX, XXXX but that payment was wrongly applied based on the XXXX XXXX XXXX stmt i received. 

On the XXXX XXXX stmt, the pmt i made post forbearance was applied to payment due in on XX/XX/XXXX based on the " description field '' on the line item in the stmt. Why would they do that? The unpaid balance during forbearance should be placed in a non-interest bearing account and added to the back of the loan. Pmts made post forbearance shouldn't be used to offset pmts missed. 

I've tried resolving this via multiple calls to this company and i've been unable to talk to anyone who understands what the process should be to resolve this. Its been one clueless customer rep after the other. 

My online profile shows a " next payment due date of XXXX XXXX, XXXX '', even though i made a payment on XX/XX/XXXX that is incorrectly reflected on the statement. Also, my payment due on " XX/XX/XXXX '' from the incorrect stmt generated on XXXX XXXX, XXXX has an amount due of {$7100.00} which is twice my normal payment. 

I went through the same covid-19 deferral process with XXXX and it only took XXXX to start/complete the process. This loancare process has been ongoing for me since XX/XX/XXXX when i contacted the company to exit forbearance. 

I was told to wait on the system to update in the companies response to me on XXXX XXXX. Exactly what system needs to be updated when the payment i made was accepted by the system but incorrectly applied. Its not a systems issue, clearly this servicers team needs significant help with training. 

My regular monthly pmt is what i will pay in XX/XX/XXXX and if loancare falsely reports defferred payments to credit agencies thereby distorting my business credit I will most certainly pursue litigation against these incompetent organisation.
Product: Credit reporting 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. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax on XX/XX/XXXX. There is an item on my report for {$97.00} that was reported in XXXX. The dispute came back as completed as verified on XX/XX/XXXX. My score then dropped by about XXXX points due to the remarks added by Equifax. I then submitted an additional dispute about the added remarks, that dispute went unanswered ( unrecorded ).
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of XXXX and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to the Consumer Financial Protection Bureau regarding TransUnion, XXXX, and XXXX, all of which are reporting false and misleading information, each different from the others. For starters, they are reporting the wrong name. 

I am constantly receiving credit cards sent to my address with other last names, which stops me from applying because if I apply, they send me cards with a false last name and do not allow me to change it until after I receive the card with the incorrect last name. 

On TransUnion, it shows a positive account with XXXX XXXX, but with XXXX, they are reporting it as negativewhen I have not missed a payment. Also, XXXX is reporting it as negative as well. I have sent seven rounds of letters to them, and nothing has changed, nor have they explained why there is this mismatched information. I want all three reporting agencies to report the positive account that TRANSUNION has been reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Next, XXXX XXXX, is an auto company that is closed and reports negatively on all three credit bureaus, impacting my credit and affecting my chance to get a car loan. I have a XXXX child who needs constant care, and I can not receive a car loan because of this closed account. I have tried to dispute it seven times and have not received an explanation as to why they are constantly reporting negativity. I would like the account completely removed from my credit reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Thirdly, TransUnion is reporting a medical debt, XXXX, of a debt I have previously disputed and had deleted multiple times. A debt that has been deleted on XXXX and XXXX because of their misinformation. I am asking for that to be deleted from my credit report. 

Again, I am a mother of XXXX with a XXXX child, and this information on my credit report has become detrimental to my credit health and preventing care for my children, especially my XXXX child.
Product: Student loan

I have applied for an IDR since the first week of XXXX. Since then ; I have called XXXX different times and was told to correct my application. First time was about submitting 3 months worth of pay stubs, XXXX time was stating I needed to send a letter stating how much I make ; XXXX time I was told the letter submitted was blurry and I should just verbally state to the phone rep that what I reported from my tax return was true. I was told it would take up to XXXX weeks to process. That was a month ago. I was told each time I called that it would take up to 15 days for the application to be complete. Each time I asked if it could be rushed because this process is stopping me from getting a HELOC to get some EMERGENT work done on my home. This process is causing me medical problems from stress. I am stuck and can't move forward. I can't afford to pay for the work on my own, I worked hard to raise my credit to qualify for a loan, and this is holding me back because the original paymet was more than XXXX of what I make right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided
Product: Credit reporting, credit repair services, or other personal consumer reports

At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).
Product: Debt collection

i never did business with this company and furnishing false reports about me and they violated my right to privacy Your company shared statements as evidence and a copy of a consumer contract as evidence of the debt, but as per judgement with Pacific Concrete F.C.U vs. Kaunanoe, a copy of the consumer contract is not sufficient evidence of the debt. I demand you have original signed documentation of the alleged contract or signed credit card statements you also need, and competent fact witness to attest to the validity of the alleged debt.
Product: Credit card or prepaid card

Browsed the XXXX XXXX website to plan a trip. Upon selecting a flight, day and time, an offer for a {$200.00} statement credit appeared from American Express on the XXXX XXXX website. On XX/XX/, spoke to XXXX XXXX representative confirming the American Express offer was legitimate. XX/XX/ XXXX  called American Express and applied for the American Express XXXX XXXX XXXX XXXX credit card to use to purchase the airline tickets through XXXX XXXX to receive the {$200.00} statement credit and was approved for the credit card. XX/XX/ booked the flight through XXXX XXXX using the American Express XXXX XXXX XXXX XXXX credit card as required in the American Express " Terms and Conditions ''. XXXX XXXX XXXX received the statement from American Express which did not reflect the {$200.00} statement credit. XX/XX/XXXX  called American Express who issued a claim number, and they stated the matter would be reviewed within 7-10 days. XX/XX/XXXX  called American Express to check the status of the claim and was informed it would take until XX/XX/XXXX  for a determination. The American Express payment is due XX/XX/XXXX  The payment will be made to American Express by XX/XX/ to avoid any late payment or interest charges.