23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Credit Collection Services a long time ago, at that time I was assured that the company policy is that if you pay an Insurance claim with them, in full they will delete it from my credit report. I was told it was company policy. I sent a letter to them reminding me of their promises that they made in accordance with their company policy. The account is still reporting on my credit. They lied to me to coerce me into paying a debt. Please make them keep their promises and delete this account from my credit immediately!
Product: Credit reporting or other personal consumer reports

I submitted a complaint last month against Experian for inaccurate reporting on my credit report which they failed to update and investigate. I have a letter from the better business bureau proving they ignored one of my last complaints about inaccurate reporting which is unfair to consumers and violated FCRA federally protected laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX AZ XXXX XXXX credit card account listed on my XXXX XXXX, Experian and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : XXXX XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.
Product: Money transfer, virtual currency, or money service

Two transactions were wired from my account- {$100.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX by Google Pay for cleaning fees for a house rental. Once I had realized this was all a scam, I had contacted Google Pay twice ( within their 120 day claim period ), to notify them of the scam and dispute the charges. They denied both claims, and tried to tell me this transaction was valid ; that I had actually received the lodging and cleaning services. I tried to put in another claim a couple days ago - XX/XX/XXXX, and they were actually willing to look into it..then they had realized it was past their 120 day claim period, so they just told me they couldnt take care of it. I could understand if this had been my first claim ever a couple days ago, but it wasnt, and Google Pay just kept denying my claim basically until the 120 day period passed, so they wouldnt have to deal with giving me a refund. I kept trying to tell them that its their fault the 120 day period had even passed ; that they didnt investigate this well enough during my first two claims. They are literally allowing scammers to keep ripping consumers off by denying claims! I am going to keep fighting for my refund until I get it back. I will never use Google Pay again after this is resolved. Horrible business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps trying to pin this debt on me! I keep disputing this debt every 3 months!! I call, they investigate and it gets removed from my credit report after they determine this is not my debt and then it comes right back on my credit report. Please make this stop!! I do not owe this company anything!!
Product: Credit reporting or other personal consumer reports

My account with MICHIGAN XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. ACCORDING TO FCRA RULES INFORMATION MUST BE BLOCKED WITHIN 4 DAYS. ITEMS ARE APPEARING ON MY CREDIT REPORT THAT I NEVER APPLIED FOR. IT IS THE DUTY OF CREDIT BUREAUS TO REPORT ACCURATE INFORMATION. THEY DELETE THE INACCURATE INFORMATION THEN ADD IT BACK ON. I HAVE BEING GOING BACK AND FORTH FOR MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bk is reporting on my credit file in error and i've disputed it in the past
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX that is financed by Bridgecrest. During the first year of the loan, I experienced a financial hardship due to fraud, and was unable to make payments. The company deferred those payments ( even though those payments were deffered they still reported them negatively on my credit reports ). Since that time I made all payments as required and at some points paying over {$50.00} extra per month. Theyre now saying that the remaining balance is due in full, and are refusing to help even though Ive made all payments for the last 4 years. In addition, to requiring the remaining balance be paid in full, they stated if it isnt paid by 5/30 they will begin reporting negatively on my credit report, even though Im continuing to make my $ XXXX week payment. Vin of the car XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report XXXX XXXX XXXX  # XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is. 

I have sent certified mailed letters to this company and they have not sent me any proof of " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the relevant Credit Reporting Agencies XXXX XXXX, XXXX, Experian ) that the disputed charge-off entry from XXXX XXXX XXXX was deleted from my XXXX secondary credit report following an investigation completed on XX/XX/year>. The account was found to be unverifiable, and XXXX has removed it from my credit file. 

I now request that all other credit reporting agencies, including [ Insert Names of CRAs ], conduct a thorough review and deletion of this same account. Since XXXX, one of the major CRAs, has already deleted the entry due to its unverifiable nature, it is expected that other agencies follow suit in accordance with applicable consumer protection laws. 

Legal Basis for Request Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate and complete information on my credit report. If a debt or charge-off is found to be unverifiable, it must be removed from my credit report promptly. XXXX has already deleted this account, which has been verified as inaccurate, and therefore, the same must apply to any other credit report containing this account. Failure to remove unverifiable information within 30 days from the date of my notification is in violation of the FCRA. 

Furthermore, I remind the CRAs that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their report, the CRA must investigate and correct or delete the information within 30 days if it is found to be inaccurate. Should the account remain on my credit report and not be removed within the required timeframe, this will constitute a direct violation of my rights as a consumer. 

My Request I respectfully request that you take immediate action to remove the unverifiable XXXX XXXX XXXX charge-off account from my credit report within 30 days. If this information is not corrected or deleted in the specified timeframe, I am fully aware of my right to seek legal action and pursue any available remedies, including filing a lawsuit for damages under the Fair Credit Reporting Act and seeking statutory damages, punitive damages, and attorneys fees. 

Please consider this letter a formal notification of my dispute and request for deletion of the account. I appreciate your attention to this matter and trust you will act in accordance with the law. 

Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX : XXXX, XXXX, Experian
Product: Checking or savings account

A perpetrator falsified my personal information and influenced the office of inspector general. The perpetrator claims that the ring of defrauders are researching on a complaint or complaints. The perpetrator particularly evaded  XXXX  after th e OIG and  whistleblower office knowingly or unkowingly helped a retaliating bully abuse authority and fund a plagiarism and ring of malfeasance abuse fund from  XXXX . I suspect malpractice or simply dirty.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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: Payday loan, title loan, or personal loan

I took out a small {$300.00} loan from speedy cash loan, I want to say 8 years ago online while living in Arkansas and I paid every 2 weeks on the loan, so much money, I paid more than triple the amount of what I borrowed. So I stopped paying, my aunt who I lived with at the time talked to them for me and told them I wouldn't be giving them anymore money because I already paid more than triple of what I had borrowed and they still wanted more. Now for the past two or three years they've been sending me emails randomly, threatening to have me arrested mainly and have my wages garnished. They say I've committed 4 crimes : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Threatening to have a warrant for my arrest unless I pay {$890.00} immediately. I have all the emails saved. I believe in one of them they said the deputies in my area have been notified of my warrant and to arrest me. I just got another one today and I just found out that that's illegal for them to threaten me with being arrested.
Product: Debt collection

I was contacted, stating I owe these people I do not know. I told them I had been the victim of identity theft. 

MIDLAND CREDIT MANAGEMEN Last reported XXXX XXXX, XXXX {$4000.00} Open balance XXXX XXXX XXXX XXXX  Original creditor Opened XX/XX/XXXX ( 1 yrs, 3 mos )
Product: Bank account or service

I opened a Citibank gold checking account under promotional terms where if I met the terms I would receive XXXX XXXX airlines AAdvantage miles within 90 days past the close of the statement in which I met the terms. I met the terms and 90 days past. I did not receive the miles. I value these miles at a minimum of {$500.00} so it is substantial compensation for me. I contacted Citigold and they promised an investigation. Nothing happened and they never contacted me. I want Citibank to honor the terms that I met and credit my account with XXXX AAdvantage miles.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 
1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, | expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a police report and a FTC report to Equifax of identity theft back in XXXX and they haven't removed the account off of my credit report yet. Also they were suppose to update 2 late payments to paid by request of the creditor and they have yet done so the creditor requested for it to be changed back in XXXX and they have yet to update there system.
Product: Consumer Loan

GM Finance called a friend of min who is the controller at a previous employer. They told him I was behind in my payments. This violates my right to privacy.
Product: Checking or savings account

On XX/XX/XXXX, I accidentally purchased products from a fraudulent company. The company had a website that impersonated the official XXXX XXXX website perfectly and I honestly could not tell the difference. The official XXXX website ends in a .com and this one ended in a .us. I purchased an order for {$29.00}. The company charged me four times, two charges for {$29.00} and two charges for {$0.00}. The company sent me a fraudulent tracking number that was sent out to several other people I know who also ordered from this website. It says my order was delivered on XX/XX/XXXX to XXXX XXXX, Florida. I live in XXXX, Pennsylvania, which is where the order would have been shipped. When I reached out to the company, they told me to have a nice life and it was only then I realized I was dealing with a fraudulent company. I attempted to file a chargeback with my bank, Truist, on the grounds that I was charged twice, and that my order never actually got delivered to my house. The claim was denied so I called my bank to file an appeal, and that was also denied on the grounds that I technically authorized a charge from this company. I feel that I am being wronged as a consumer. 

It is also worth noting that over the last month and a half, the company has changed their website from XXXX to XXXX
Product: Debt collection

In XX/XX/XXXX, we started receiving multiple calls daily regarding collection of a debt. 
For several weeks we ignored the calls until we received a letter with the same name of the collection agency. " Sequium Asset Solutions , LLC '' We contacted the Collection Agency by phone to get information regarding the collection. It was for an account we  closed in XX/XX/XXXX, XXXX Service. We explained that we paid the account in XX/XX/XXXX and paid in full. We were never contacted by XXXX, nor anyone until XX/XX/XXXX for any additional debt owed. On the phone call we asked the collection agency to provide us with the billing information so we could verify the account and billing to verify the collection attempt. 
We also contacted XXXX for billing information for verification. They deferred to " Sequium Asset Solutions , LLC ''. 
Neither company was able to provide the information requested to verify the collection attempt. 
On XX/XX/XXXX we sent a certified letter to " Sequium Asset Solutions , LLC '', requesting the billing information for verification. We have not received a response to our letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans.

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA XXXX 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and Navients solutions LLC .
Product: Money transfer, virtual currency, or money service

I received from a third party that uses www.bill.com. I have no business with www.bill.com but the third party instructed me to open an account with bill to receive the money they are sending. Well bill decided to hold the funds and routinely request a litany of requirements to release funds. They required so many documents to release my funds to me. One of the requirements was a complete bank statement. A selfie and drivers license and utility bill. These are things all customers are not required to produce. I asked them why would I give you my bank statement and Im not asking you for a loan! Im not doing business with you and no I dont feel confident in giving you all my bank statement that my counterparts dont have to provide in order to receive their funds a third party sent. The www.bill.com app has no transparency and at this point the moral is down and they are holding my funds.
Product: Credit card or prepaid card

I have a FICO credit score of XXXX. I hardly have 6 % of the debt compared to my credit limits ( across all the credit cards ). I have already paid off the Wells Fargo mortgage 100 % within 1.5 years. Still when i applied for the wells Fargo credit card - i was denied with some weird reasons.
Product: Checking or savings account

Hi after the scam, debt collector is has the wrong amount they are trying to collect, charged off, ruined my credit again and closed my account and won't put money from closed account to new account, they want me to pay XXXX to reopen my XXXX, yes I have a new card and go to bank to activate it, but it will have only what I deposit not XXXX they stole from me w unsufficiant funds charges, stole my money and closed my old scammer debt collector account. Ty please fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a past mortgage account I had with Summit Funding from XX/XX/XXXX to XX/XX/XXXX, there  was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called Summit Funding and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on Summit Funding due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on Summit Funding and their guidelines state that they will correct any errors that occur on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my credit report, called XXXX XXXX, which date was opened on XX/XX/2018. I have disputed this fraudulent account with Experian and they have not removed this account from my credit report and Experian and XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent account immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account. Also, I have attached a copy from the creditor verifying that they have removed this fraudulent item from my credit report. Therefore, I am uploading additional documentation which is related to my dispute.