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

I reviewed my consumer reports and noticed that I had fourteen late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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: Debt collection

I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX.18 that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or its alleged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore, they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Consumer Loan

I get down to my last payment on my car 60 month, I think at XXXX interest rate, Last 2 months heartship repairs on the car effected my ability to pay, on time so I call offered to pay XXXX, and the balance of XXXX next week, I was told all or nothing,, I was totally surprised that realizing the Chase has made a nice piece of profit on the life of the loan, was not willing to work with me to resolve the issue but was, threaten a letter would go out to the credit bureau to report a bad debt and risk a repossession. The price tag if the car was around XXXX. The total was paid XXXX, with interest, why is XXXX profit not enough to at least consider corporate to resolve the final payment.
Product: Checking or savings account

I am writing you today as an aggrieved man. TD Bank yet again has charged me a ridiculous amount of overdraft fees and stole my money, I know thats how banks make their money, but I do not appreciate being mistreated by this bank. I should have a balance of {$200.00} maybe a little more as my account balance as of today XX/XX/18. TD Bank charged me {$150.00} overdraft fee on top of another {$35.00} over draft fee. All this as they still process, my transactions making it appears they were on a different date then they were. My paycheck was deposited today XX/XX/18 and II was left with {$60.00} dollars out of {$540.00} because of TD banks horrible business practices. I called customer service and they said to me they cant get into my account because they are locked out. I cant even have a conversation with an agent about my account now? Why? Its getting to the point where I am going to end up taking my business elsewhere. I really do not want to and want to give TD Bank a chance to do right by one of its customers. I demand TD bank remove the extra overdraft fees immediately and restore my balance to {$200.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three hard inquires one is from XXXX XXXX Inquiry from XX/XX/XXXX, I never heard of them before. As well as I never applied for anything in XX/XX/XXXX. That's false identity and consent. Secondly, I have two hard inquiries from Capital One Bank Usa Inquiry from XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX they had advertised credit card base off your credit score. Around that time, they had offer Capital One and it stated free credit check, no hard inquire for applying. I had applied not knowing it would affect me later on, until I saw it on my credit report. I have tried to dispute this case but no action has been taking place.
Product: Student loan

I had 3 private loans being serviced by XXXX XXXX XXXX, XXXX, and they were disbursed in XXXX and XXXX. When they were disbursed, they were paid directly to me, not the school. I used the funds for housing, living, and travel expenses while attending school, and none of the funds went to the school. These 3 loans were in my maiden name, and multiple times I tried to get XXXX to change my last name, but they never did. 
When COVID began, I fell behind on paying, and ultimately XXXX closed my accounts in XXXX. Financially my husband and I were struggling, and we made the difficult decision to file XXXX  XXXX bankruptcy in XXXX of XXXX. Our bankruptcy Order of Discharge was entered XX/XX/XXXX. 
Since these were private loans that were paid directly to me, the consumer, and they were not used for the cost of attendance, it is my understanding that they are not considered qualified education loans, and it means they were included in my bankruptcy Order of Discharge. 
I have since received a letter from MRS BPO , LLC, dated XX/XX/XXXX. They are a collection agency that is trying to collect on this debt that should have been discharged. They say that I owe {$12000.00} and {$5800.00}, for 2 different accounts. It looks like they combined 2 of the private loans, and left the other separate. Also, it is saying that the creditor is XXXX XXXX XXXX. MRS BPO , LLC has also called me and they also have been texting me.
Product: Payday loan, title loan, personal loan, or advance loan

I was diagnosed with a XXXX XXXX and out of work for 3 months. I ran out of XXXX XXXX and did not have XXXX XXXX XXXX. I did not get a check for 3 months. I could not make any payments at all on anything. When I startted back working, I contacted them to see if they would allow me to make payments. I made two payments in XXXX. In XXXX I forgot to call them to report that my checking account information changed. My payments did not go through. I called today, XX/XX/XXXX and ask if I could make a payment on the balance of {$180.00} and they said No, and that they have given me a chance. I explained that because of my XXXX XXXX I have XXXX XXXX  and forgot to call them to make the changes. They also have two accounts for different amounts charged on on my credit report. I only have one account with them. They are reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 

US Courthouse tracking number : XX/XX/XXXX - XXXX XXXX attempt : I sent a Bankruptcy Investigation letter to XXXX XXXX XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to XXXX XXXX with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from XXXX XXXX stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the XXXX attempt : XXXX - XXXX XX/XX/XXXX - XXXX XXXX attempt : I sent the same deletion letter out from the XXXX attempt on XX/XX/XXXX letting them know this is my XXXX attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank XXXX, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the XXXX attempt : XX/XX/XXXX - XXXX 15 USC 1681 section 603 ( 3 ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as the are in violation. Under, 15 U.S. code 1681bc- Permissible purposes of consumer reports ( a ) in GENERAL subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the to whom it relates. I never gave any consumer reporting agency writer consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

XXXX XXXX for {$450.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$250.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX for {$320.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$10000.00} opened XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$22000.00} opened XX/XX/XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$14000.00} is a fraudulent account and needs to be removed from my credit report.
Product: Payday loan, title loan, or personal loan

I paid off loan # XXXX I returned the item and never got my refund. 

I went through my entire account with QuadPay and noticed they NEVER issued a refund on any of the items that I returned. 

You cant talk to a live representative and the emails the return they send you are rude!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, XXXX and Experian. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.
Product: Money transfer, virtual currency, or money service

There was an unauthorized purchase {$1800.00} for a Google Pixel book and ear buds made in my Google pay account on XX/XX/2019. The goods was delivered to XXXX XXXX XXXX XXXX, XXXX TX XXXX and signed by XXXX XXXX on XX/XX/2019 by XXXX. I filed dispute claims twice to Google Pay for the unauthorized charge, but Google refused to refund me by saying We were unable to confirm fraudulent activity on the purchases. Often, these purchases were made by a family member or friend. I have never used my Google pay in my life and I have no idea about the delivery address and the person. I have never lived there. I can see My Google account has been hacked as I can find the filter was changed to skip any emails containing words Google, order and pay, so Ive never received any email from Google until I got I credit card bill. There was another purchase made on the second day of the fraud one and shipped to the XXXX. I found this in my Google order history, but the order was cancelled due to insufficient fund. I feel Google was easy to know what happened, but it just want me to burden the lost. My credit card company XXXX said their investigation would be based on Googles result, so I may never get my money back. At this point, I disputed with Google twice but failed ; and I filed a police report to XXXX TX ( Case number : XXXX, Police last name : XXXX, external checking no : XXXX ). I feel vulnerable for this situation, and I cant have communication with Google investigation team directly. The Google customer service said the investigation team is the only one to give the result, but all they allowed me to do is to fill a form for amount and date with no choice to explain my situation nor attach any files. I really dont know what to do to get my money back.
Product: Credit reporting or other personal consumer reports

SO I WENT TO GET A FREE CREDIT REPORT THE ONLY ONE THAT COMPLIED WAS XXXX THE OTHER 2 GAVE ERROR MESSAGES. I JUST RECEIVED A LETTER ABOUT A BREACH OF MY INFO ( XXXX  ) ... AND WITHOUT A PAYMENT THEY JUST WILL NOT RELEASE THE CREDIT REPORT
Product: Credit reporting

I get an account report with Equifax , XXXX and XXXX showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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 XXXX
Product: Debt collection

I have been trying to resolve this debt collection for about a year now. Finally someone picked up the phone today and I let them know that I wanted to settle my account but they said they had to transfer me. As soon as they transferred me, the next person gave me a number to call that is disconnected. There are many things I would like to do that I cant because of this being on my credit but they arent giving me a way to settle it or make a payment. I tried calling back the original number and now no one will answer.
Product: Credit reporting

TransUnion Credit Monitoring. These people are the lowest of the low. Someone filed a tax return in XX/XX/XXXX using my social security number. So, I was advised to put my credit on fraud alert. But, when I did so, I was automatically enrolled in credit monitoring that was billed to me 1 week later and for 6 subsequent months!!! So they take people who are already dealing with a stressful issue and then rip them off? When I was finally alerted to the issue, I called and they would not remove my credit card information from their database or even from the Transuinion website.
Product: Student loan

I noticed a problem with my loan in XXXX XXXX but did not think of anything until XXXX XXXX when I was unable to make changes to my account. I was told that I was not on the account and that they could not help me. I have had these loans since XXXX and did not understand how this was happening. I called and got to an executive who explained to me that my social security number, name, occupation and address were for someone else and that I nothing to do with the account. This did not happen until the end of XXXX. I was told that I needed to drive to an office and verify my identity, which happened twice. I was told that they would not report my missed payments until they figured this out and that all the late payments I had received would be taken off up to XXXX XXXX. I talked with this person until XXXX, when nothing had been figured out or fixed, I contacted XXXX lawyers who did not help me and I made a police report about identity theft per lawyer advice. I was told that they would not report to the credit bureaus about the late payments because it was there fault.The company was constantly calling my mother, co-signer, and telling her to make payments or they were going to put it to collections. I called the company back last week to see if anything had been done to fix the situation and was informed that the other name was taken off my account. I talked with another executive who told me that he would try to get my loans out of collection, reverse the late payments, fix my rating with the credit bureaus and get me a letter explaining how and why the guys name was on the account. He called me back to inform me that they could not do any of that and that no matter what, I was liable for the debt. They have totally ruined my credit and my mother 's and made me have such bad migraines that I needed medication. They have lied to my mother and I and have not been helpful in trying to fix the situation. I tried to work with them and give them time to fix the problems but I am not getting anywhere. I just want to get this problem situated and get back on track with the loan or get it completely taken care of. I do not think this company cares about what they do or how it affects people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a Online college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a high school diploma nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.