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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened these fraudulent accounts consist of a personal credit card account opened at, XXXX BANK, opened on XXXX XXXX balance of {$920.00} XXXX XXXX XXXX opened on XX/XX/XXXX XXXX balance of {$31000.00} XXXX, opened XXXX XXXX balance of {$1100.00} XXXX XXXX, opened on XXXX XXXX balance of {$200.00} XXXX XXXX  CREDIT CARD, Opened XXXX XXXX balance of {$300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX reported a loss of XXXX points. 

My score dropped from 799 to 790. 

My credit report shows an XXXX XXXX loan as closed on XX/XX/2022. 

The report also shows XXXX XXXX account balance decreasing by {$300.00} from {$300.00} to {$0.00}. 
I have contacted XXXX XXXX to find out what they reported. Their reply was " account was satisfactory paid ''. 
I have contacted XXXX also no explanation. They just take points when they see closed and encourage consumers to leave credit cards open and continue to use them. 
They do not make any difference from when a loan is paid off.
Product: Payday loan, title loan, or personal loan

We attempted to purchase a XXXX  XXXX XXXX through XXXX  XXXX XXXX. When the item never showed up we cancelled the order on XX/XX/XXXX. We were advised that it would be processed and we would not be charged but it could take 2-3 weeks to process. The refund number is XXXX and XXXX. On XX/XX/XXXX we received another bill from XXXX  XXXX XXXX ( 2nd billing ) now also including late charges for an item we never received and was to be cancelled. We have contacted the finance area and customer service and are getting no help in getting this resolved. As of today it has been 33 days since we cancelled this and we are still being charged billed for financing on a product we don't have. If this is not resolved in the next 10 days this could result in late payment reporting on our credit bureau. This is not acceptable and has been a horrible customer experience. No one from the sale/customer service or returns area is wiling to assist with the financing area and the financing area continues to say it is the returns area. They are pointing fingers at one another when we are the customer stuck in the middle. I have attempted to also escalate this to the corporate office and they also would not help or provide any contacts. The director of customer service refuses to take calls from customers.
Product: Money transfer, virtual currency, or money service

I sent a zelle payment through my XXXX  XXXX XXXX account. The receiver turned out to be a scammer. I thought i was putting a deposit on a property and even toured it. The scammer had me send a zelle payment of {$1600.00}. This was done on XX/XX/year>. Zelle said they would recover the funds but after 1 week they said they wont try anymore. I let XXXX  XXXX XXXX know and they would not help me at all. XXXX  XXXX XXXX and zelle know who received the money but never tried to help recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resident Collect is adding a collection account to my credit report with XXXX in the amount of {$840.00}. I have been disputing this account for a very long time because this account is not mine. I need them to send me written confirmation that this is my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

The accounts that are reported inaccurate as followed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I late payments for XXXX, XXXX, XXXX and XXXX of XXXX. At that time frame we were having serious issues with our Mortage company over a unacknowledged tax credit we have, we were getting false information about how this issue was going to be resolved, at first we were being told that the back pay would be applied to our next due payment, we would receive our next statement and see that it was not then we would have to back pay it to be caught up at which point Freedom Mortage representatives were telling us that again it would be applied to our next payment this cycle continued until we contacted our loan origination company to get involved due to our constant miss information and run around we were receiving, residential mortgage got In contact with a representative from Freedom Mortage who worked with us to resolve the issue. We ended up receiving a back payment check as we learned that the it could not be applied to a payment and that it was incorrect information that was being given to us! Our late payments were not our fault and are due entirely to faulty information given to us by Feedom Mortages call center. These late payment reports are drastically and negatively affecting our credit. 

Our point of contact has been XXXX in customer relations at Greedom Mortage. 
The customer care office who is the department that would resolve this will not return my calls or emails. 

I sent Freedom Mortages customer care center a email on XX/XX/XXXX and again on XX/XX/XXXX the second time I also CCed there customer relations office yet still with no response! 

Any help would be greatly appreciated Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was provided by SageStream to XXXX XXXX ( hereinafter " XXXX '' ) on XX/XX/2019. This report was used by XXXX to deny my application for a credit account with XXXX. A credit rejection letter was generated by XXXX XXXX  on XX/XX/2019. This rejection letter indicated that my SageStream credit score was XXXX. 
At the time of this rejection my FICO score was XXXX. 
I requested and eventually received my SageStream credit report. This report contains my name, address, phone numbers, SSN, DOB, e-mail addresses, and the names of several creditor grantors that requested my report. 
This report contains no information whatsoever upon which SageStream could generate a credit score. There is no information at all about any account or payment history that I have with any creditor. 
In spite of the above, the credit rejection letter listed that I have too few revolving accounts, too few bankcard accounts, and too many serious derogatory items. 
It is my legal opinion as an attorney that the CFPB should investigate SageStream for violations of the FCRA and for fraud. It's highly likely that many more people have been harmed by credit scores having no basis in fact and by willfully erroneous reporting generated by SageStream.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason XXXX Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding
Product: Student loan

Am having a problem with Nelnet. On many occasions have attempted to re-certify my IDR status and have been met with the same looping patterns with them as disclosed in the attached email to them. 

Basic problem : the Nelnet call agent offers solution, but doesnt deliver and redirects to a website, the website dosnt work ( see screenshot of malfunctioning website after all input has been completed ). In this most recent call a form was requested to be emailed, filled out and returned, due to the problems with the website. In the promised email, no promised XXXX XXXX, I am only directed to a website, that is malfunctioning, the reason I called. The websites dont actually work, which forces me to call them, where they say they fixed the issue with my account, or will send me something to fill out, but issues are not fixed and only send link to the same problematic websites. 

Seems like they have some incentive to make problems for their customers? What could this be? 

Can you please switch me to other loan service providers? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$72000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I mailed a payoff check to Barclays and the check cleared my attorney 's trust account on XX/XX/2022. Barclays never posted payment to my account and is claiming they never received the check. I have sent them a copy of the check multiple times showing where it cleared the bank. The check is for {$4800.00}. I have called numerous times only to be told the same thing over and over with no resolution.
Product: Debt collection

Jefferson systems is reporting a collection on my credit report, a collection account that I have no knowledge of. I was not given notice or time to dispute before this collection was reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of fraudulent accounts from my credit report. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit and saw 2 medical bills from UNITED WE COLLECT INC for XXXX XXXX XXXX and XXXX  COUNTY FIRE RESCUE, totaling {$960.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent  XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by UNITED WE COLLECT INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 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 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: Vehicle loan or lease

The vehicle that was on the lease is now a total loss. However, XXXX XXXX XXXX has my account open on my credit report for an outstanding deductible. There is no payment arrangement, so I am not sure why this is still on my credit report. I am receiving 30 day late payment
Product: Debt collection

The tactics of this agency are beyond deplorable. Their reps XXXX XXXX and XXXX XXXX have 1 ) Told us to send them a post dated check when we told them the funds were not in our account. 
2 ) Asked us the names of the clients and amounts we are waiting payment from in order to pay the debt. This is a violation of confidentiality. 
3 ) Have continued to harass us with phone call after phone call even when we have told them we are waiting for a check in order to pay this debt. 
4 ) Have threatened us repeatedly with lawsuits and so called " final straw '' warnings. 
5 ) Have made nasty, condescending and wholly unprofessional comments towards our staff. 
6 ) Misrepresenting information to our clients and vendors 7 ) Misrepresenting what our bookkeeper told them
Product: Checking or savings account

On XX/XX/XXXX, I tried to link my CapitalOne 360 account to another personal bank account I use and I received a message stating that XXXX  is blocking me from using external sites. I proceeded to call CapitalOne and they were unable to resolve the issue.
Product: Debt collection

ADV COL PRO has Placed a Collection Account on My XXXX Consumer Report Date Opened XX/XX/XXXX Balance {$730.00} Date Last Active XX/XX/XXXX Without providing Prior Notice Or Validation Information under 12 CFR 1006.34 ( b ) ( 5 ) I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Date Last Active is Impossible to Be Accurate.

The Statute for Collecting Debt in the State of Illinois has Clearly expired.

ADV COL PRO Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means.

ADV COL PRO Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I Dispute Owning Any and All Alleged Debt to this Collection Company. 
I Revoke All Rights of this Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

I am requesting Proof of Notification that this Collection Company may claims I was provided prior to this Account being added to My Consumer Reports. 
I am requesting the Method of Validation for this Alleged Debt.

I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from.

I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with XXXX as I sold the home. Moved to XXXX from XXXX. Even though I gave my forwarding address, I never received any kind of final statement. I never even thought about it until I heard from XXXX a year later ( XX/XX/XXXX-XX/XX/XXXX ). I paid the bill immediately over the phone and expressed my anger that I had never heard from them before now. TSI told me that if I paid it would be not be reported. It is on my credit report ( as paid but late ) and costs me money as it affects my credit score. 
I have spoken to both XXXX and TSI. Each says the other is responsible and neither one has the power to remove this from my report as neither one placed it. 
I am very frustrated with the lack of resolution from a debt I would have paid had I ever received a statement and did pay over the phone once I heard about it! 
Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows late 30 days for XXXX months attached I have a letter stating that I have NEVER BEEN LATE
Product: Credit reporting or other personal consumer reports

Creditor XXXX XXXXXXXX XXXX XXXX  is reporting inaccurate information to the credit bureau. I requested information such as signatures and contract agreements nothing was given.
Product: Credit reporting or other personal consumer reports

I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : $ XXXX number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXX are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX