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

I chose this category because it was closest to my definition, but its not an exact match. 

I suggest that the credit score methodology used by Experian ( mine, recently as of XX/XX/year> ) is detrimental to me and similar customers, because it focuses on a vague definition of Percentage of Credit Usage to calculate an overall risk assessment ( credit score ). 

Specifically, I use a credit card ( a XXXX, for example ) for every purchase, every day. This results in an unacceptable level of Percentage of Credit Usage, according to Experians algorithm. 

I do this because I receive a cash rebate ( twice a year ) based upon my total purchases. Hence, I have an incentive to use the card for EVERY purchase ; they all count towards this incentive. 

However, I manage this credit usage and pay my monthly balance EVERY MONTH. My payment history reflects a XXXX balance every month, for many years, despite running a high balance. 

My contention is : my Credit Score does not reflect that my risk or non-payment is very low ( I have other assets, as needed to draw from, if necessary ). 

The Experian algorithm ( and probably the 2 other credit agencies, as well ), does not consider : 1. Is high credit usage rate a frequent pattern?

2. If so, how frequently is the balance paid off?

3. If the balance is consistently paid-off, does this demonstrate a pattern of sound financial management?

4. Even if the credit usage rate is high, does customer have other assets to draw upon to reduce credit balances? 
5. If so, should the customer receive a higher credit score for consistently sound credit usage? 

In my case, my Credit Score is XXXX, which is lower than I should expect for years of sound payment history. This was recently reflected when I applied for a car loan and received a lower than best loan percentage rate because of High Credit balances. 

Again, I contend High Credit Balances should be viewed within a larger context of using available credit in a logical manner to manage finances.
Product: Debt collection

I have a personal loan with Tower Loan in XXXX, Alabama. Due to hardship from reduced hours at work, I hired XXXX XXXX XXXX XXXX to help me consolidate and settle my debts. I was advised by XXXX XXXX, not to accept debtor phone calls because they will deal directly with the creditors. 

Tower Loan has called my number as well as my job, my family members and my friends leaving threatening messages to reach me. Several of the people they have contacted have asked to be removed. 

Today, XXXX XXXX,2017, I contacted Tower Loan, against the better advise XXXX XXXX, to tell them that I was utilizing a debt consolidation company to help me settle with them. I was advised that Tower Loan will not work with credit consolidation companies and I had no choice but to renegotiate my contract with them and resume monthly payments. 

I reported this advise to XXXX XXXX and they advised me to submit a complaint with the Federal Trade Commission for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Block, Inc. due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act, EFTA and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

At the termination of a lease for a XXXX XXXX XXXX, I agreed to purchase the auto from Chase Bank Financial and submitted the quoted price from them ( which included the Ohio Sales tax from my county ( XXXX ). I received a check ( No XXXX ) from Chase for {$1100.00} made payable to XXXX County Clerk of Court, on XX/XX/XXXX XXXX-which was sent by me by Chase. I did submit this to the clerk of courts. Whatever subsequently happened, That office informed me that they had no record of this check and no financial record of having cashed it-which they affirmed in a follow up letter. 
Consequently, I had to again pay out-of- pocket to receive title to the auto. I have tried contacting Chase Financial customer service, at least four different times, asking them to stop payment on the check, and to reimburse me for that amount, but Have heard nothing.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 

Correct Data : Account PAID As Agreed ( In FULL ) ON Time 100 % -All Bureaus.

Current FICO Equifax Report : Older Derogatory Events : 60 Days ( XX/XX/XXXX ) Older Derogatory Events : 90 Days ( XX/XX/XXXX ) The information, containing derogatory dates, is unique and misaligned in comparison to the same account data across both XXXX and XXXX Credit Bureaus. I did not authorize these inputs or inaccuracies. 

This Data Needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan out with Auto Loan Acceptance for one vehicle. There are XXXX open accounts showing on my credit report and they have XXXX different high balances. The car has been paid in full but they failed to report my payment history to the credit bureaus since XXXX of this yearXXXX. This has significantly dropped my credit score and is hindering the process of my new endeavors. I reached out to them several times and they advised me that they have been reporting, but when I called each bureau individually and directly they informed me that they have not received any mew information from them. It is a lot of running around with this company and I just need for them to remove the extra account and list the one as paid in full. Auto Loan Acceptance also told me that they upgraded their system so I am guessing that's where the additional account came from. I have been going through this with them for a while and still no resolution. Please help! Thank you in advance.
Product: Credit reporting or other personal consumer reports

have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof PAYMENT HISTORY IS OUTRAGEOUS
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly contacted Transunion regarding accounts on my credit file. XXXX and XXXX XXXX are direct results of fraud and I have given police reports fraud affidavits and all information needs to provide prof yet they are constantly disregarding my Request to Block Unauthorized Charges from Credit Report under FCRA 605B. I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX If the information is not blocked immediately I will be forced to pursue legal action against with Transunion just as the Gadomski v. Trans Union LLC case.
Product: Money transfer, virtual currency, or money service

I am formally writing this letter because of my concerns on how Zelle handles there disputes.I have put multiple disputes in for unauthorized transactions and every time they fail to actually properly investigate my claims. I have lost out on so much money due to this inquiry so Im tired and I dont know where to go to be heard. If I could be reimbursed for all my funds that would be great too.
Product: Credit reporting, credit repair services, or other personal consumer reports

best buy is reporting that this is a current account.this shows nthat this acct has been removed.
Product: Debt collection

I received a call today that I there is a civil complaint against me for a debt that I already paid and is past the statute of limitations. They are threatening to put a lean on my home in the middle of a pandemic. I sent them a notification on XX/XX/17 that I had spoken to the supervisor and set up the payment with them. On XX/XX/17 i received the confirmation email of payment myself and the supervisor agreed on. In the middle of a pandemic they shouldn't be harassing people for debts already paid. The fact that they were trying to reopen my case is horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by TransUnion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity ( XXXX/XXXX/XXXX XXXX XX/XX/XXXX Balance $ XXXX $ XXXX XXXX Close Date XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt which i do not believe is mine. They have reported this account to the credit bureaus when I have asked them for verifiable proof that this account actually belongs to me. I have asked them proof in form of a contract or some form of binding contract that bears my signature showing I am indeed the person for this account. This company has also failed to respond to my dispute to them. I have sent them 2 letters prior, to which they have not answered me and yet they are still reporting this account. I believe this goes against FCRA guidelines, which you, the CFPB is supposed to enforce.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I don't have credit cards anymore. Credit excluding my Mortgage, is done with. The Big Three credit companies share MY DATA amongst theirselves and others without my consent. Banks give MY DATA to the Big Three without my consent. I have told Experian and XXXX XXXX to delete MY DATA unsuccessfully. Next... I may sue them. I tried to see my so..called credit score via XXXX and I got back ( XXXX XXXX ) does not exist .... A flagrant slap in the face. I have told XXXX to cease and desist ... MY DATA is worth millions to me... And they refuse to make payment, to me, in compromise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIREIS FROM MY CREDIT REPORT ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These reporting is not correct, I am receiving stall letters from the bureaus
Product: Mortgage

The company refuse to comply with XXXX Law, this law states : Exempt from fee per GC 27388.1 ( a ) ( 2 ) ; recorded concurrently in connection with a transfer of real property that is a residential dwelling to an owner-occupier also " All instruments necessary to transfer ownership, relinquish debt and secure new debt recorded in a single transaction will be considered to be in connection with an exempt transfer, if an exemption is declared and presented with the document. 

The Bank of West did not declared and asked for exemption for me when they summit the documents to XXXX XXXX, they are responsible for their mistake. 
I've filed complain to both XXXX XXXX  and XXXX XXXX and they have refund the fee. So please comply with law, otherwise, I smell class action for Bank of the West. 

My loan # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to XXXX XXXX about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to XXXX on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.
Product: Debt collection

In XXXX, I cashed two posted dated checks at XXXX XXXXXXXX XXXX XXXX in XXXX Fl. They didnt hold them and tried to cash them. The didnt clear. They called me and told me they would turn it over to XXXX XXXX Attorneys Office to collect monies owed through courts. the check amounts were {$110.00} and XXXX. SO I get the money and delivered it to them paid in full. Much to my surprise in XX/XX/XXXX Vance and Huffman LLC placed these on my credit report. I called them and told them they were paid. They said they didnt care that I owed the money. Quite rude. I called XXXX XXXX XXXX XXXX and they said they had no record i owed them any money. I called the collection again but they demanded I pay on a debt that had been paid in full years before. I dont have the receipt of payment because I changed banks and moved a few times. Covid happened shortly thereafter. This has caused great harm and undue stress. My attorney advised me to file a police report against Vance and Huffman. I want this removed from my credit immediately as its caused me great harm.
Product: Debt collection

I tried disputing IQ DATA INTERNATIONAL but their saying its accurate. I never legally signed a lease with that apartment complex and I felt misled and taken advantage of because they made me pay the security deposit to put the apartment in my name before I even signed anything. I have no information of any agreement between us but their saying I owe over {$4000.00}. So I feel like they put that apartment in my name without my consent just because I paid the security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX Late Payment {$0.00} Yes XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Student loan

I am scheduled for forgiveness of my loan in XXXX, and my servicer has not responded to my emails in regards to the years of service I have provided from XXXX. 
As well, they recommended I fill out a form for medical forbearance to count my years in residency however this recommendation removed payments towards my forgiveness after removing an Adminstrative forbearance. This was poor recommendation from the servicer regressing my time towards loan forgiveness.
Product: Credit reporting or other personal consumer reports

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for NORDSTROM today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was XXXX  and almost XXXX  on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from NORDSTROM because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : NORDSTROM/TD BANK - XXXX - XX/XX/XXXX XXXX
Product: Checking or savings account

My account was charged a pending charge of {$140.00} to XXXX for a few gifts I ordered for pick up. I got there and was told they were out of stock on certain items and that I would receive the money back into my account once the transaction finalized for the correct amount. I waited days for the transaction to be finalized and no longer pending. Once it was finalized it was {$22.00}. However I never received the rest of the money back into my account. I called Chime customer service and at first was told that the pending amount was never taken from my account. Yet it was deducted from my Available to spend. I asked to speak to a supervisor, who once on the phone told me that the money had been returned. When I kept trying to explain that it wasnt she transferred me to another supervisor who proceeded to repeat the same thing, and then after I wrote down all of my transactions and used my calculator to check what my balance could be only to find it was missing {$110.00}, he proceeded to tell me that my account had been negative. This was my Chime Credit Builder account.. which my spot me is not connected to nor can you go negative on chime other than the spot me.. which is only $ XXXX. I have yet to receive the {$110.00} back. I spent almost two hours on the phone and it was pointless. I am XXXX to say the least. And then they wouldnt transfer me to a higher person, claiming that was the highest we could speak to. Chime has some good features but they are clearly okay with stealing money from their users, and the customer service sucks ( understatement. ) I will be switching banks asap.