23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX XXXX. I called Aspire Credit to report my card was stolen and that charges totaling {$330.00} was not authorized by me. I asked that the card be shut down. At XXXX. I filed a report with the police that my purse was stolen and obtained a case # I was told by a rep I needed to send in an Affidavit of fraud but it had to be mailed to me. I asked if it could be emailed, I was told no. On XX/XX/XXXX I got a notification that more charges were charged to the account. I called Aspire and the rep stated that I called in for a increase of credit? I advised I did not and that this account was reported stolen XX/XX/XXXX and I was waiting for the affidavit, why where there additional charges allowed on the acct? The rep did not have an answer, said that when I called on XX/XX/XXXX, that I was inquiring about balance?? Untrue. I found that {$220.00} was additionally charged to the card. I spoke to XXXX representative XXXX in the fraud dept. on XX/XX/XXXX. and asked about the affidavit and he said he could email it. I received it within minutes. I sent it back immediately. On XX/XX/XXXX I got notification of activity on the account and called in. The rep said the balance was XXXX. I advised that is impossible. They said I made a payment thru the IVR on XX/XX/XXXX for {$850.00} via check. I told them I did not make that payment. I asked why would I pay on charges I did not authorize? I then asked for a secret question be asked before giving out any info on this acct. XX/XX/XXXX the payment was reversed NSF and the rep told me that I am responsible that charge of {$29.00}??? I have since closed this card I have been checking on this account weekly and there has been no progress on the investigation and they never ask me the security question on my account. The balance is now over the limit. I have made a payment of {$120.00} XX/XX/XXXX on my portion of the account, which was {$500.00}. I feel that with everything that they asked of me and I have complied that enough time has passed to identify that I DID NOT make those charges and the account should be resolved with me only owing {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX  XXXX Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : TransUnion : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 the agreement was signed with Preferred Lease on a purchase for a sofa that is 700 that i got approved for now Preferred lease has posted two credit balances on my report of {$1500.00} on XX/XX/2021 and a new {$1600.00} on XXXX XXXX, 2021 with out any notices that there would be any changes to my balances
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

As a mortgagor with XXXXXXXX XXXX XXXXXXXX, it has come to my attention that the mortgagee ( XXXXXXXX XXXX XXXXXXXX ) has committed serious negligent acts, including mortgage servicing errors and defamation, which have resulted in significant harm and created a great deal of emotional distress to me. First, XXXXXXXX XXXX XXXX has demonstrated mortgage servicing errors by mismanaging my account, inaccurately canceling an approved Natural Disaster Payment Deferral, and falsely reporting a 90-day late payment to credit bureaus despite timely and consistent payments. This error has led to undue financial distress and unjustified damage to my credit standing. Furthermore, the false reporting of delinquency constitutes defamation, as XXXXXXXX XXXX XXXXXXXX has negligently published incorrect financial information to third-party credit reporting agencies, tarnishing my reputation and limiting access to future credit opportunities. Despite attempts to resolve the issue, XXXXXXXX XXXX XXXX has failed to take the necessary corrective actions, further exacerbating the harm inflicted. These actions are not only ethically unacceptable but may also violate federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedures Act ( RESPA ), which protect consumers from negligent and fraudulent mortgage servicing practices. I demand that XXXXXXXX XXXX XXXXXXXX immediately : Correct the inaccurate credit reporting with all credit bureaus. Issue a formal written statement acknowledging the error. 

Compensate me for damages incurred as a result of their negligence. 

Ensure proper compliance with federal laws to prevent further harm to borrowers.
Product: Debt collection

I do not owe the debt. I requested assistance from the credit bureaus and the company and have gotten nothing resolved.
Product: Debt collection

I disputed the account in XXXXXXXX XXXX XXXX year it was removed in XXXX of XXXX only to be placed back on my credit report in XXXX of XXXX. I called the company and was put on hold to be transferred to a representative who did not pick up. I left a message on his answering machine. No return call. I would like to remove this from my credit report.
Product: Vehicle loan or lease

Greetings. 

The options presented in previous steps does't actually reflect my case. My case is that I got a new car loan in XXXX XXXX prior enlisting in the XXXX. After XXXX, and XXXX XXXX, got orders to XXXX to Arizona. I spoke with the bank back in XXXX XXXX to emit a letter that let me bring the car with me to my new XXXX. The bank 's answer was that they can not do that because the car still belonged to them and if I wanted to ship the car, i had to completely pay off the whole loan so the car becomes mine and do with the car whatever I wanted. 

I am still paying the vehicle loan on time but the car has been unused for the past 3 months because I can not bring it. I have tried to sell the account to interested people without any success. I also tried to refinance the vehicle with stateside banks/credit unions to bring the vehicle but I will end up paying way more with the new loan. I'm desperate with this situation because I can't find a buyer, I'm paying $ 500+ monthly to keep the car payment up to date but I'm starting to find myself financially " tight ' every paycheck. I just want to give the car back to the bank without affecting my credit and be released of that burden. If I were using the vehicle here with the same payment, I wouldn't be asking ; screaming for help.
Product: Credit card or prepaid card

I tryied to log in on my account an everytime I try to log in it tells me my username an password doesnt match an I have all of my incomtax an stimulus check money on there I have been trying to contact bluebird by American Express for a two weeks now an i stay on the phone for 11 hrs at a time an I get no answer they are doing me very wrong I have a lot of my money on there an I cant access none of it please help they need to answer the phone at customer service its like they packed up an left Im broke an need my money
Product: Credit reporting or other personal consumer reports

I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised Experian, XXXX and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account Experian and XXXX decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages
Product: Debt collection

Over the last year I have received several letters threatening legal action in regards to a debt with XXXX  XXXX. I paid off my debt with XXXX  XXXX  in XXXX of XXXX. I confirmed with midland credit that this was the correct account and explained that the debt was paid. I confirmed with XXXX  XXXX that the debt had been paid and was told twice that they had no idea why the account would have been turned over to a collection agency. Midland credit claims that the account was sold to them in XXXX or XXXX of XXXX ( months after the account was paid in full ). When I received a " final notice '' on XX/XX/XXXX I contacted Midland credit again, explaining again that this account had been paid in full. The representative I spoke to was patronizing and I had to ask him multiple times for a mailing Address to send the company proof of payment. He repeatedly tried to change the subject, asking for payment and claiming that I would not have been able to contact XXXX  XXXX. I contacted XXXX XXXX  again and spoke to a representative there that again confirmed that my account had been paid in full and was in good standing. They also noted that they do not sell accounts to debt collectors as they have their own department to handle that and said they had " no idea '' who this collector was and warned me multiple times to not send them any information about my account or send any payments to the debt collector.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have no connection with midland credit XXXX XXXX please help me. 

I am a victim of XXXX XXXX and identity theft these accounts aren't mines.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of two accounts across the three credit bureaus. 
XXXX. XXXX XXXX XXXX XXXX : The charge-off account ( Account Number : XXXX ) from XXXX XXXX XXXX was reported as resolved and removed from my XXXX credit report, but it is still being reported on XXXX and Experian. 
XXXX. XXXX XXXX XXXX XXXX Account : The collection account from XXXX XXXX XXXX ( Account Number : XXXX ) related to XXXX  XXXX, XXXX. was also removed from my XXXX credit report but continues to appear on XXXX and Experian as unresolved or open. 

As a result, the reporting of these accounts is inconsistent across the three credit bureaus. XXXX has accurately updated the status of both accounts, but XXXX and Experian have not reflected the same changes. This inconsistency is negatively impacting my credit score and causing confusion in my credit reporting. 

I request that XXXX and Experian update my credit reports to match XXXX accurate reporting and resolve the issue as required by law.
Product: Payday loan, title loan, or personal loan

I requested a loan. I didnt know that the Loan was illegal in the state of California and the amount of interest charged was that high either. I continued to make payments because I did not want the negative report on my credit so I just let the withdrawals Happen and I have overpayed the principal amount borrowed yet somehow I owe {$800.00}. When my original loan was $ XXXX When the covid pandemic shutdown happened I stopped Payments to avoid overdrafting as I had no income I sent an email letting know I couldnt pay. My balance at that time was {$660.00} but somehow since XX/XX/2019 I was making {$120.00} plus payments every two weeks. Even though the amounts they are charging are illegal I tried to settle the account to avoid negative marks on my report and they refused. The want a full {$500.00} dollars payment to settle
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report XXXX without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.
Product: Debt collection

I don't know what company this account is originally for, looks like this account was sold to a third party for a debt I have no knowledge of and or is not responsible for.
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therfore any such debt in fact therefore exists. ( please REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) 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 XXXXXXXX XXXX XXXX XXXX XXXX, Please remove these inquiries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was with XXXX for 10+ years and never have I been late on my monthly payment. The account was always paid in full and on time. When I decide to move my account to XXXX and port my XXXX numbers ( XXXX, XXXX, XXXX, XXXX ) my XXXX account goes haywire and starts to add numbers I have never used before after I left. I contacted XXXX at XXXX authorized store and asked him what is going on, he told me he will look into it since I provided him my personal information to switch my account over since he did XXXX and XXXX both. Next thing I know there are couple of iPhones and new numbers on my account I do n't recognize or authorized anyone to make changes other than port my XXXX numbers mentioned above. 

I contact XXXX when I received a bill questioned them about the charges and told them these are fraud charges not authorized by me, they did n't do anything and told me I have to pay for it. I even went to the XXXX store physical to get this resolved presented my identity but failed to remove the charges and telling me someone on the account made the changes. I explained to them that the changes are done by one of the representation ( XXXX ) at your authorized retail store in NJ without my authorization but nothing was done. I even contacted XXXX to straight this out but he claimed he handle it and I thought it was gone for good but when I went to refinance my house, the agent pulled my credit report and informed me my credit report is too low and there is collection on my credit report. 

I still have the current XXXX numbers mentioned above and are the only number I have ever used. I tried to contact XXXX and XXXX but they are not taking any action, so I have filed a police report with local authorities and want to get this remove from my credit report completely and settle this once and for all, please help. For conclusion, I should not be liable for {$2100.00} after reaching out to XXXX numerous times mentioning fraud done at the store level without my authorization, they were clueless and unwilling to help in timely manner and are dealing with a clearly broken system to resolve issues, especially those pertaining to fraud. Please contact me at XXXX if you have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt reported to XXXX as it is a medical debt reported as collections. It impacted my score by more than 70 points because it is not reported as the correct type of debt. The negative impact of the score has also impacted my ability to obtain a mortgage. I submitted a dispute and it was not removed or updated to the proper collection type. Additionally, I have submitted documentation for financial assistance to the facility this debt applies and I am awaiting approval.
Product: Credit reporting or other personal consumer reports

Subject : Late Payment / ReposessionNotification and Assertion of Consumer Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute late payment entries and repossession currently reporting on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 

According to my credit report, there is a late payment entries listed for accounts XXXX  XXXX XXXX with late payment entries and repossession entry for XXXX XXXX XXXX However, I would like to bring to your attention that these late payments and repossession are inaccurate and unjustified. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. 

I am formally requesting that you investigate these late payment entries with repossession and provide me with the following information : 1. Verification of the accuracy of the late payment entries with repossession including proof of the alleged late payment and current repossession. 2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments and repossession.

I expect a thorough investigation into this matter and request that you provide me with a written response as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly.

Thank you for your attention to this matter. I look forward to your prompt response. 
XXXX XXXX