23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I began attending a class at XXXX XXXX which was to be the final course for my degree ( s ). At week 5 of the course, only 1 assignment had been graded, which was a discussion board assignment, for which I only received 50 %. This has absolutely never happened throughout my entire college career as my discussion boards are always graded very high, usually at 100 %. I reached out to the instructor to inquire as to why I had been graded so poorly so that I could make improvements in the future. I never received a response. I further inquired as to my standing in the course as none of my other work had been completed either. This communication was not responded to either. I then called XXXX XXXX directly. The lady who answered transferred me to a voicemail, and that message was not answered. Due to these circumstances, I did not continue attending. XXXX is now attempting to hold me liable for the balance from this term and has sent my account to a collection agency, T-H Professional & Medical Collections. 

In XXXX, 2018, I contacted XXXX and informed them that I wished to formally dispute this account due to the above stated situation. Their version of an " investigation '' included obtaining a detailed billing from XXXX XXXX and speaking with XXXX to verify that XXXX believes I owe this debt. This is not an investigation. The mere fact that XXXX asserts that I owe this debt does not make it valid. The FCRA requires that the credit reporting agency VALIDATE a debt as accurate prior to reporting it on a consumer 's credit report. This burden has not been met by merely asking the original creditor whether, or not, they wish to continue collection on a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling this inaccurate late payment for awhile now and this haven't been proven whatsoever. It would be nice and just to remove these inaccurate late remarks that never happened. 

Also, there are some unauthorized inquiries that I don't recognized.
Product: Debt collection

MG CREDIT CORP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} TRANSUNION AND XXXX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with XXXX, XXXX and equifax. Thank you in advance for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report this year and found several accounts and Inquiries that are not mine. my information has been used in a scheme to defraud me and has made me a victim of identity theft. I have tried to contact the credit bureaus but was unsuccessful in removing these items from my credit report. My finances are in jeopardy and my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Product: Credit card or prepaid card

Company closed my credit card account without any warning... I was told by company that reason was due to return payment in the last to bills... I was told that, that is specified in the terms and conditions ... As I verified the terms and conditions, it doesnt specifies that the account can be closed due to that... The only reference of it in the document, is the part says " We may close your account at any time, for any reason. " ... I consider that clause to be abiguous and can be use as excuse for reason that can be absurd or even unnethical, in my opinion ....
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : # XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of every individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
Product: Debt collection

Rent Recovery has violated my consumer right by contining reporting inaccurate information to the credit bureaus. This accouhnt has been removed off my credit file numoerous of time but they keep re inserting information back on my credit acting as it is a new debt. I have asked this compant to remove the negative information that is damaging my credit and life.
Product: Checking or savings account

CIBC Bank USA includes a mandatory arbitration provision in their Consumer Deposit Account Agreement effective XX/XX/XXXX. In said provision, CIBC names the XXXX  XXXX  XXXX  ( i.e. XXXX  ). See attached CIBC Account Agreement. 

Beginning on XX/XX/XXXX, the XXXX  Consumer Rules require that any company who names the XXXX  in a consumer arbitration provision has to first submit the arbitration provision for review of said provision at least 30 days before the effective date. The XXXX  will then review the arbitration provision to make sure it is in compliance with the Consumer Due Process Protocol and Consumer Arbitration Rules. See attached Rule R-12 of the Consumer Rules. 

However, CIBC 's arbitration provision included in its Consumer Deposit Account Agreement is not included in the XXXX  Consumer Clause Registry. See attached XXXX  Consumer Clause Registry. So it appears CIBC is in violation of the rules. 

And the XXXX  will decline to administer consumer arbitrations arising out of an arbitration agreement if the business declines to pay the review and Registry fee. See rule R-12. 

CIBC should not be allowed to force its customers into arbitration thereby giving up their right to sue in state or federal court and then fail to follow the XXXX  rules resulting in their customers having no legal remedy whatsoever.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Mortgage

I owe payments for XXXX, XXXX and XXXX. I offered to pay {$1300.00}, which is a payment and a Extra {$350.00}. I explained to them, I could pay this each month until caught up. They are refusing to take my payments. Agent I.D . number is XXXX, who refused. I told her I aould mail it in she said they want post it. I have been asking for help since XXXX, when my husband went out of work for over 30 days, due to XXXX. He is back to work now.
Product: Vehicle loan or lease

On XX/XX/XXXX, American Credit Acceptance repossessed my vehicle. They have refused to lower my payments or work with me to bring the loan current. The payments I have made included extra funds however American credit acceptance has never applied the extra monies to any late fees or NSF fees. I have made 51 payments on this vehicle and I still owe {$22000.00}. The last Cure letter was sent to me on XX/XX/XXXX, and my loan was brought current. This load was doomed from the beginning. I have paid over {$39000.00} on this vehicle that is now in the hands of ACA. In order to reinstate and get the vehicle back I must pay {$2600.00}, which doesn't include repo fees. My loan was never properly serviced and I have paid over the vehicle sale amount. I requested a settlement prior to this repo action and they never got back with me. I never received any correspondence by mail letting me know that the vehicle would repossed. I was not offered any assistance. Credit Acceptance obscured the true cost of the loan leading to severe financial distress and subject me to aggressive debt collection tactics on my loan knowing I can't afford to keep up the payments. They are predatory lender and they prey on hard working people like me. I have lost my transportation and means to go to work. I never received a repo letter and the status shows opened. I just made a payment of on XX/XX/XXXX, and my care was repos. on XX/XX/XXXX. On the website you can not see how the payments are being applied
Product: Credit reporting, credit repair services, or other personal consumer reports

all typed in previous report see complaint XXXX Equifax has vilolated the FCRA in reference to my credit profile.

in violation of FCRA 15 USC 1681 section 602 A 15USC section 604A section 2states that a consumer reporting agancy can not furnish an account without permission of the consumer, other vilations the company failed to provide any documentation regarding any of the disputes they had multiple data breeches, offered free reporting, and possible monetary compansation, never recieved companies listed wrong dates, incorrct balances no dates of last activity, all erronous information. Public Recoirds, Hospital bill which is a HIPPA violation XXXX date open XXXX XXXX XXXX XXXX ( 5 ) or more outdated all inaccurate information bankruptcy XXXX bankrutptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXXXXXX XXXX  XXXX I also contacted the United State Courts in which Equifax and other companies stated this information was provided, The United States courts do not send, mail or deliever any information on consumers to any credit reporting agencies.
Product: Checking or savings account

We use Google Pay to collect rent payments from our tenants. Our tenant transferred {$3300.00} to us on XX/XX/2019. On XX/XX/2019 we received notice from Google Pay that our receipt of the payment was suspended due to " Unusual Account Activity '' ( which Google Pay admitted was an error ). 
We contacted Google Pay by telephone on XX/XX/2019 and they said they are having " technical problems '' processing the payment and will " escalate the problem '' to their " product specialists '' to try to resolve this problem with no guarantee that it will be resolved in a timely manner. They said we would be put into the " queue '' behind possibly thousands of other victims.. 
This is totally unacceptable for Google pay to be holding our money XXXX while they are trying to fix their ongoing problems. In the meantime, we can not ask the tenant to cancel the transaction because that would possibly take up to 10 more business days to get his money back - according to Google Pay. 
What can we do to get our {$3300.00} rent payment back that is being held XXXX by Google Pay?
Product: Debt collection

I paid this debt to the creditor who purchased it in XX/XX/XXXX 2015. the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company attempted to call me but did not disclose why they were calling me. I do not believe they are legitimate. I called them directly and they would not disclose that they were a debt collector or provide any verification of debt.
Product: Debt collection

National Credit Adjusters LLC claim I owe them a debt acct # XXXX for {$460.00}, and acct # XXXX for {$250.00}. I sent them a letter on XX/XX/2021. XXXX XXXX responded on XX/XX/2021 with a statement reference number basically just saying I owe them like a receipt of the account that they keep in house. All available documentation would be mailed to me within 90 days. As I told her 90 days doesn't suffice, whoever you're collecting for I should be able to get proof of this accounts. Since they verified it with the credit bureau it should be very simple for you to send me that same documentation. Unless they are not being honest with the credit bureau, which I know that's the case, and just validating accounts without any proof. Seems like a violation to me.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent accounts and names and addresses and inquiries that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue with the bureaus and creditors for over than 3 months and i gave them 30 days but no response, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX these are the accounts : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a charge off from M and t bank on my Credit report for 7 years at a larger balance than when it was originally written off for. M and T bank kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
Product: Debt collection

I received my CFPB response from Resurgent Capital Services dated XX/XX/2021, which was an account summary, which does not count as a validation of debt. Anyone could have opened a credit card in my name and used it. They have yet to produce a contract bearing my signature. They also have failed to produce what they actually paid for this account. They are not able to charge a debtor more than what they paid for the account.
Product: Debt collection

On Tuesday, XX/XX/2020 XXXX XXXX they sent my information ( Including the amount owed // {$980.00} ) to a random email address, which is my father email-address.
Product: Debt collection

XXXX XXXX XXXX. It's trying to charge me {$1700.00} which I moved out on the XX/XX/year> Does not specify {$2500.00} dollars in my contract, will send you the document tation was only paying {$1400.00} dollars a month it is on my XXXX Experian account which is damaging my credit? 
In which I did a bankruptcy XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my creditstanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
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 Balanced {$0.00}
Product: Credit card or prepaid card

While applying for mortgage loans I discovered that my credit score was negatively affected by multiple cards opened in my name through CITIBANK, XXXX, and XXXX XXXX. They were opened years ago and never used, but having so many cards opened hurt my score. When I called Citibank, they said their own fraud department had flagged and closed the accounts. I was never alerted to these fraudulent cards, and they still appear on my credit report to this day. I believe these cards are hindering my ability to purchase a home and need them taken off as soon as possible. The cards were opened in states I have never lived in. The XXXX XXXX is also fraudulent. They claimed it was removed from my report but it is still there. Cards are listed bellow. CITICARD CBNA - opened XX/XX/XXXX ( 3 cards ) ( remains open ) CITICARD CBNA - opened XX/XX/XXXX - closed XX/XX/XXXX XXXX - opened XX/XX/XXXX - closed XX/XX/XXXX ( 2 cards ) XXXX XXXX - last reported XX/XX/XXXX ( remains open ) At the end of the complaint report it asks for the address associated with the card. I do not have addresses for any of the fraudulent cards, but it wo n't let me continue without one. I will check the box that it is the same as mine, but that is incorrect.
Product: Debt collection

General Revenue Corp is reporting to the credit bureaus that I owe a debt. I do not know any thing about this debt and I contacted them to try and obtain more information regarding the debt back in XXXX. They did not have any information other than an amount that I owed and requested immediate payment. 

I disputed the reporting to the bureaus and they came back as the debt being verified. As a follow-up to that I sent a letter directly to this debt collector requesting documentation and validation of this debt. 

I sent via certified mail with signature delivery. They signed for the package on XXXX/XXXX/2015. Per the FCRA they have 30 days to respond. I 've allowed them 37 days to account for time it might take for something to reach me by mail. 

This company has violated the FCRA in many ways and I want them to cease collections and remove all reporting from the XXXX bureaus or I will consider filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened an Account with Wells Fargo XX/XX/2019. I setup Automatic Draft Payment. To my displeasure I revived a late notice 30 days later from Wells Fargo. When I called they had an incorrect bank account on file that resulted in insufficient funds. We quickly fixed the routing and account number paid the bill and moved on. I then found the credit agencies were reporting a 30 day late payment. I contacted Wells Fargo and they refuse to acknowledge the error and the office of the president refuses to remove the 30 day late report from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to my dispute, Items where removed from XXXX and XXXX  promptly, more than 30 days have passed, I've sent my ID Theft report, as well as other supporting documents. Can not access their dispute feature online, have sent multiple faxes.