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

XXXX XXXX XXXX, is a hawk in calling and reminding you that your payment was due that morning. Which is the reason I chose to pay off this account early. This will be the second loan through the company, so I knew the practices but was in a bind. My last payment was XX/XX/XXXX to close the account and receive back the title for my truck used as collateral for this personal loan. I received the title the day of pay off in full. However, a few weeks later, I was activating a new credit card which had expired and noticed my credit score dropped 28 points this month. Little investigation later, come to find out, XXXX XXXX XXXX mis-reported by loan payment ( for account that is paid in full ) as >30 days late on XX/XX/2021. Worse, analyzing their web site say they report to credit bureaus, but all that is see is their single negative report and none of the months where the noted was paid as agreed. 

I've reached out the to the local office, who then forwarded me on to corporate after apprising them of the situation and to which I've had no response for ownership of the problem and ultimate correction of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX XXXX opened XX/XX/2022 balance XXXXThis accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires and asked the for them to be removed and the bureau did not do as I asked. I am provided an identity theft report and asking them to be removed because they are inaccurate and not mine.
Product: Mortgage

I requested a loan modification which they provided and submitted the application for work out. Instead of work with me the referred my home to you their foreclosure attorney. While asking for additional documents they started foreclosure proceedings. Thats dual tracking and against the law.The assignments are robo signed the signer are not vice presidents or president. I so filled this complaint with
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. XXXX demanding CFPB to enforce the correction and or deletion of these items
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # 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 or other personal consumer reports

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on credit report
Product: Debt collection

I paid my collection account in full and have received proof of payment from the creditor. My credit report is still showing the collection which is negatively impacting my credit score. I would like the bureaus to remove the collection immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit collection service has placed a delinquency on all three of my credit reports claiming I owe {$75.00} to XXXX. I am XXXX yrs old and this is the very first collection ever, let me say that again, EVER placed on my credit reports. I have requested for Credit collection to provide me with a full accounting and proof I owe this money, including the dates XXXX claims I owe this money for. 
NOTE : Somewhat suspiciously This debt is being reported under 2 different collection agencies addresses ; CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX and CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have previously disputed this debt on XX/XX/2023, and am again disputing this debt, As I have now been denied credit as a direct result of Credit Collection Services violations which now has caused me Material Harm. 
I did have a XXXX account yrs ago but canceled it, yet it seems XXXX continued to charge me anyway. 

Additionally, Credit Collection Service has reported this debt to XXXX, XXXX and XXXX in violation of the FCRA & FDCPA, as a result this debt MUST be removed from the credit bureaus immediately until a proper investigation is conducted. Regardless, I am filing a small claims lawsuit for {$6500.00} against Credit Collection Service since the time they had to conduct a proper investigation has ended. 
Note : seems Credit Collection Service has a history of violating the law, see.. Berkowitz v. CCS Credit Collection Servs., and Riccio v. Credit Collection Servs. Also see Mary Schneider vs Credit Collection Services and many many more.. Seems Credit Collection Services previous legal battle losses and fines hasNOT deterred them to abide by the law.
Product: Credit reporting or other personal consumer reports

This is my tenth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 Equifax Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 listed below : XXXX. XXXX XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 15 U.S.C 1681 section 602 A. States I have the right to privacy.

~ 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ~ 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

~ 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you dearly for your diligence and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through XXXX. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with Barclays credit card. They removed the item from my account. XXXX sent Barclays a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted Barclays 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously Barclays does not do that.
Product: Credit reporting or other personal consumer reports

I asked for documentation on company letterhead ( contracts ) with my hand written signature and was refused.
Product: Debt collection

On XX/XX/XXXX17, debt collector stated that they could not determine the schedule of direct deposit payments even though a copy of the monthly statement from my personal checking account was provided two days prior. Debt collector also requested copy of entire XXXX in order to estimate average income even though total household income was provided weeks previously. I believe they are delaying the repayment process in order to to real more interest against the account. Current debt has ballooned over {$50000.00} since account was transferred to XXXX XXXX and they have not clarified the schedule of interest applied to the original loans. They also call my cell during the week and weekend at all hours of the day from two separate numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I had voluntarily surrendered a vehicle with XXXXXXXX XXXX. The loan was for XXXX XXXX. They sold this vehicle for XXXX XXXX. They never corrected the balance on my credit report and are reporting I owe more than XXXX XXXX on the deficiency now. I tried to contact their customer service but had no luck in understanding the balance. I was never sent a bill after the repossession nor have they tried to contact me. They are reporting every month and every month the balance increases. I have tried to dispute with experian but they deny to even investigate this issue for me.
Product: Checking or savings account

I called customer service. I gave them my card # and ssn for security validation the last step was my security code. The representative said please provide me with your security code, your mother maiden name so I told the rep my mother maiden name. I was then told it was incorrect security word. I proceed to tell the rep that that is indeed my mother maiden name. The rep then says well your security word isnt that. So I asked the rep why would you say its my mothers maiden name. If they were unsure. So I was given XXXX more chances and got the correct answer on my XXXX try which would have been my XXXX try if I wasnt given false information. I then spoke to supervisor XXXX from dept client relations. And was told my account will be closed.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
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 account.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint with SOUTHWEST RECOVERY regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used. 

I expect immediate action to address this issue and ensure compliance with the law.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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.

I have requested proof that this information was mailed or delivered XXXX  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!
Product: Student loan

I have been working at a 501 ( c ) 3 nonprofit since XX/XX/XXXX. I was n't sure if I would stay long enough for the Public Service Loan Forgiveness program to work for me. But over the years I submitted my paperwork for employment verification and wanted to at least have the option of utilizing the program if I ever did. I submitted my first employment verification form in XX/XX/XXXX. In XX/XX/XXXX I called FedLoan to talk about my repayment plans. I wanted to find the right one for me. The monthly payments were a concern and I remember being told that the lowest monthly payments were {$540.00} of all the plans and that 's the one I went with. For the past 2 years I 've made those payments. I recently submitted a new employment verification form and noticed that there was a place on my online account for " qualified number of payments '' applied towards my loans for the PLSF program. They all said XXXX. So I called to ask why. I was told that I am in a standard repayment plan and not an eligible repayment plan. But if I wanted to change into an income-driven plan now my payments would go down to {$400.00}. That does n't make any sense. Two years ago when I was looking for the lowest monthly plan my husband 's income has increased. My husband has also taken on student loan debt in that time. The lady at FedLoan that I spoke to today said there are notes on my account from XX/XX/XXXX where the rep I spoke to recommended I go into an income-repayment plan. But the only logical reason I can see for doing that would be if my monthly payments would have been lower than the standard plan. And of course I do n't have a recording of that conversation, but I swear that the {$540.00} was the lowest. The next lowest option was around {$700.00}. I feel that I was mislead by the rep I spoke to in XX/XX/XXXX by quoting the wrong monthly payments that forced me to choose the plan that I 'm in to be able to afford the payments. I asked the rep today that she file a complaint with FedLoan for me and have somebody pull that phone call conversation so we can know for sure what was said. I feel duped. I 've made larger payments than I will be going forward once I move into the Income-based plan and none of it is considered eligible for the PSLF program. 

AND ONE MORE THING. FedLoan Servicing makes it nearly impossible for you to know what repayment plan you 're in! It 's not available anywhere online. Nor on the statements. I had to call to ask.