23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please on my trans union and XXXX credit report there's still 1 delinquent account on my credit report but when you check XXXX there's no delinquent account on my XXXX. Also when you check the payment history of the XXXX XXXX  it shows I havent missed any payment from there because they fixed it but trans union and XXXX dont want to update the credit report. I kept contacting them messaging them to update that one late payment on my account because XXXXXXXX XXXX updated remove the late payment and the account is been paid off since XXXX. Please I want trans union and XXXX to update my account and removed the late delinquent they have on my account, because when you check the payment history from XXXX it says XXXX missed payment so I dont know why they dont want to update my credit report. Pleased here is the Closed account information, XXXX XXXX XXXX, Missed payment XXXX XXXXime 30/60/90 days late XXXX Remarks closed. please this is the information. XXXX already updated the account information but trans union and XXXX dont want to update the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Product: Student loan

I have requested for my payments to the PSLF program to be calculated due to the amounts of qualifying payments not matching for Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Currently FedLoan Servicing has calculated the qualifying payments DLSCNS XXXX and DLUCNS XXXX  even though the payments have been made for both loans at the same time since I began repaying my student loans. I have requested twice for FedLoan Servicing to fix or at least give an explanation for the unmatched amounts with no success. I have worked for the XXXX XXXX XXXX and made payments since XXXX. My FedLoan Servicing Account Number : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX have incorrect information on their report. They did not provide bankruptcy information and other accounts accurately. 
XXXX XXXX credit card and XXXX  XXXX credit card as well.
Product: Debt collection

ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first was made aware of the fraudulent account in XX/XX/XXXX when the debt collection agency, " Midland Credit Management, '' appeared on my credit report citing a credit card account that had been opened with XXXX ( that I never opened ) on XX/XX/XXXX and which went to collections in XX/XX/XXXX for an amount of {$4100.00}. To date, I have never received any correspondence from XXXX or Midland Credit Management by phone, mail, or email. I immediately called XXXX to inquire about this account and was told there was no history of an account ever opened with my social security number. They advised me to file a dispute with the 3 credit bureaus. However, there is no record of XXXX on my credit report. There IS only record of Midland Credit Management. I did file a dispute with the credit bureaus in XXXX of XXXX against Midland. I believe that Midland Credit Management has wrongfully associated me with someone else 's debt. I have recently hired a lawyer to help with this dispute.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

I received information to open credit with a person name using my address. I have already complained to this company. There is no one hear by the name XXXX XXXX XXXX. I lived hear with XXXX other person for 3.5 years.
Product: Debt collection

No ideal of this account no communication from creditor on the account just post on my credit report today out of nowhere never have I have XXXX XXXX XXXX XXXX
Product: Debt collection

AR Resources ILLEGALLY reported an alleged debt to the credit bureaus without any prior notice to me. They failed to provide me with any notice or opportunity to request information to which I am entitled, and they went straight to reporting against my credit. They did this in blatant violation of not just CFPB protections, but also the Fair Debt Collections Practices Act and other federal and state laws and regulations. The company should IMMEDIATELY remove this collection from my credit report, as it had no right to report it in the first place. IF they are able to substantiate anything, and after following proper procedures, then they could report to the credit bureaus, but they have still not followed any of the required protocols, and my credit score has still plummeted due to AR Resource 's frivolous disregard of multiple applicable laws, rules, and regulations. 

AR Resources posted a collections case that I do not recognize on my credit reports with. AR Resources did not contact me prior to posting this on my report. They provided no notice, no opportunity to dispute the report, etc. This just appeared on my credit. After seeing this unknown collections item, I have attempted to contact AR Resources via email, fax, and USPS mail. I've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit, causing a credit score decrease of over XXXX points. In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX reported a delinquent account i.e. XXXX on my credit report. This information was subject to an FTC investigation for indentity theft. More so, the information presented inaccurate and incomplete information. 

This information violated the Metro @ coding system standards and further violated 15 U.S. Code Section 1681e ( b ) ensuring that my report maintain maximum possible accuracy to protect my consumer rights.

In support, this account failed to ; rational truth of dates, terms and amounts payable ; see following.

1. There's no truth that I opened any account on XX/XX/2024. I was celebrating in XXXX XXXX at this time ; 2. This account does not possess any Past Due amount required by Metro 2 standards 3. This account does not provides any delinquent payments, Late payments nor charge off codes in the payment history. Violating established banking law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my elderly mother, who suffers from XXXX, XXXX XXXX ( email : XXXX ) was a victim of fraud, made possible by the services of Moneygram. 

On this date, she was experiencing issues with her XXXX account and used her phone to XXXX XXXX customer service number. For some reason, the first hit of the XXXX search provided a phone number, which she called. Later that day, when we reported this to the local police, the police officer was able to replicate the issue on my mothers phone but not his own. Upon my own research, I have learned that this is a known scamming practice that the FTC has been warning consumers about. 

Please see here XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX for more information. 

When my mother called the number, she was connected with the scammer agent, who said that in order to help her, he needed to verify her information. He requested all of her personal information and then said, that when he reviewed her XXXX account, it looks like she is a victim of a scam and that she would need to Moneygram {$4500.00} in order to resolve this. My mother, again, who suffers from XXXX, fell for this trick and provided all information necessary. She was quite confused but kept falling back on the fact that this was the XXXX customer service number AND SHE HAD CALLED THEM. 

Due to her mental illness, my mother lives with me. I happened to walk into her room just as the transfer was taking place. I realized that something seemed off and we IMMEDIETELY contacted her bank ( XXXX XXXX ) to report the fraud/scam and to hold/freeze the transaction and her account. At the time, XXXX XXXX was extremely helpful and assured us that because we had called immediately, we would be safe. However, after the investigation concluded on XX/XX/XXXX, we were notified that because it was my moms fault, they could not fix the issue and she lost {$4500.00}. 

During this call, XXXX XXXX was able to disclose the name of the Moneygram account user and all of their information. The name listed is XXXX XXXX. This is the name of a famous actor and not a real person. I have opened claims with Moneygram and they said they can not provide any information, as they need to protect the privacy of the recipient. 

It kills me that Moneygram is a platform that allows scammers and evil people to access their systems to conduct elderly fraud and does NOTHING to stop it. 

My mother, who has little savings, is now down {$4500.00} ( XXXX moneygram fee ). I am so saddened by this and didnt know if you could offer any advice for fixing this. 

Best, XXXX
Product: Mortgage

On XX/XX/2021, a bank cashier 's check in the {$1700.00} was send to Shellpoint Mortgage Servicing, by XXXX Overnight Priority and was delivered on XX/XX/2021 at XXXX at the location of Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX SC XXXX. The payment for XX/XX/2021 was a XXXX XXXX  Cashier 's Check dated XX/XX/2021 and check number ( XXXX ), was shipped on XXXX XXXX by XXXX and delivered on XX/XX/2021, which was signed by Mr. XXXX XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, SC XXXX. As of XX/XX/2021 the payment for XX/XX/2021 still has not been posted to Mr. XXXX account. A follow up call was done on XX/XX/2021 at XXXX by the homeowner Mr. XXXX , per a telephone conversation with a Shellpoint Mortgage Servicing Customer Service Agent named XXXX , to follow up with the whereabouts of Mr. XXXX XX/XX/2021 mortgage payment has not be received. Mr. XXXX stated to the customer service agent that the XX/XX/2021 was delivered and signed for by a Mr. XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC XXXX. The customer service agent informed Mr. XXXX, to send in a letter of inquiry and proof of payment. 
As of XX/XX/2021 Mr. XXXX fax all documents of proof of payment to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, SC XXXX. The purpose of this complaint is to make Shellpoint Mortgage Servicing a accountable for the misplacing customer 's mortgage 's payment, when the customer ( Mr. XXXX ) has showed the burden of proof the payment in question ( XX/XX/2021 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of XXXX accounts that are fruadulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the XXXX Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

XXXX has also locked me out of my account but I can not get assistance with this over the phone with XXXX. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my XXXX Report. The reps at XXXX do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I have an account with Affirm. Affirm is a buy now pay later option on purchases. The name on my affirm account is XXXX XXXX which is incorrect. I wrote a letter to Affirm several years back and provided proof of my legal name change. It was never updated. On XXXX a loan was taken out on my Affirm account for a purchase with XXXX XXXX XXXX XXXX XXXX. The purchase price was {$2200.00}. I did NOT purchase anything from XXXX. I did NOT make the purchase, approve the purchase or have anything to do with the purchase. I contacted Affirm and they told me I had to contact XXXX. I contacted XXXX and they told me to contact Affirm. XXXX did provide me the order information that showed who ordered it and what address it went to. The same person ALSO tried to use my bank account to pay for the purchase. I reported that to my bank XXXX XXXX  ) and Affirm and both entities worked together to get the transfer stopped and the money was put back in my account. BUT Affirm still wants me to pay for the product. I have filed complaint after complaint to get this unauthorized purchase OFF my account and OFF my credit but nobody will remove it. The person that purchased the bag is not an AUTHORIZED user on my Affirm account either. XXXX XXXX is not authorized to use my Affirm account. It doesn't matter if we USED to share the same last name that doesn't make it ok nor give her permission to use my account. I submitted bank records showing the reversal of payment, I sent the order from XXXX showing that it didn't come to my address, I submitted all my other affirm loans and payment history to show I am responsible and pay all those on time, etc. This was eventually sent to collection XXXX XXXX XXXX XXXX. XXXX XXXX had me submit them the same documents and they told me they WOULD NOT collect on it for Affirm because they feel it to be fraud / unauthorized. So XXXX XXXX sent it back to Affirm to deal with. I mean if the collection company doesn't even want to be involved that has to tell you something. But Affirm continues to send me letters telling me I am responsible to pay and its reporting negatively to my credit and hurting my credit. I want this addressed.
Product: Credit card

I had made a purchase on my Lowes credit card from Synchrony on XX/XX/XXXX and setup auto payment for the same for full statement balance, on XX/XX/XXXX I get a message from the card that there is a late fee on the card for failure to pay. I go back and check the payment had failed on XX/XX/XXXX and they didnt reach out to let me know, I make the payment and reach out to customer care to confirm the same and ask them to remove the interest charges as it was an error on the credit card 's end. The customer care was extremely unhelpful and didnt fix the issue, and now they reported me as delinquent on the bureau for the junk fees that they have been charging on my card. The extent of the fees accumulated which include : interest, late fees, minimum interest charges now amounts to {$35.00}. None of this amount is from purchases, when I reached out them, asking for the explanation they are refusing to take my dispute and offering to remove the " late fee charges '' if I pay {$20.00}. This is atrocious and to think they will ruin my credit score as well for this being reported as a past due on my card. I need both these charges as well as the delinquency removed from my report. When I reached out to the customer care, they are calling it a collection call and only asking if I will pay in the chat overand over without making any attempts to resolving the issue
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

That you the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX, the Transunion Credit Reporting Agency located at XXXX. XXXX XXXX, XXXX, IL XXXX, and XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX block information appearing on my consumer credit report that is the result of identity Theft and Fraud ; as well as the XXXX XXXX  Data Breach that took place in XXXX from an employee illegally accessing corporate records and customer financials information. I want this information removed within 4 business days within you receiving this complaint. 

This Fraudulent, inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX ending in XXXX opened XX/XX/XXXX ; an online banking account ending in XXXX opened XX/XX/XXXX at XXXX XXXX and another personal credit card at XXXX XXXX XXXX  account ending in XXXX opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquires as well as difficult times accessing my own credit opportunities due to fraudulent collections appearing on my consumer FICO credit report I have attached the credit report and the fraudulent accounts opened and closed however when I went to screen shot the report I was greeted with a message from the company which I also included not sure whats going on with that. 

I do not recognize the aforementioned accounts, collections and/or hard inquires associated with said accounts and as reported. Therefore I would appreciate the hard inquiry as well as the aforementioned accounts to be removed. 
Therefore aforementioned accoutns, collections and hardinquires appearing on my consumer report were maintained by you were not opened, made, and/or initiated by me. 

All of the aforementioned accounts, collections and/or hard inquiries are the result of identity theft and company fraud.
Product: Bank account or service

ATM Skimming device placed on XXXX MA, XXXX between XXXX XXXX and XXXX XXXX. Bank statement outlined " CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX US . on XXXX XXXX at XXXX XXXX. '' Santander alerted me via snail mail that my debit card may have been a victim of fraud and it was disabled. After noticing charges being declined, I called them up XXXX XXXX to inquire as to why, and immediately reported the XXXX ( not including fees ). That were stolen from my account. After responsibly, and honestly answering their questions, they denied my claim based on the fact that only I knew the PIN ( which could have easily been captured by a skimmer ), and that the withdrawal happened near the area which I work ( obviously, I am in the financial district ). Without notifying me, I only had XXXX appeal so I could prepare more evidence ( they demanded yes/no answers initially ), they denied my claim and refuse to reopen it. Santander does not protect their consumers as they claim to do.