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

To whom this XXXX concern, I have sent multiple certified letters to XXXX concerning a personal loan ( Acima ) on my credit report. I did not apply or authorize a personal loan from this company. Ive only had XXXX personal loan in my name ( XXXX XXXX XXXX ). I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also, giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair items on credit report, it has to be removed from consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Was attempting to reach a collections company. XXXX misrepresented themselves, posing as a collections agency. Following a very predatory and misleading conversation, they coerced me into signing what I thought was a contract to settle a debt. They instead enrolled me into their Monitoring service, XXXX, and the XXXX XXXX repair program and now refuse to cancel the accounts. This is illegal. I have requested a contact for process of service and a will be drafting a filing for DE district court. Please use whatever CFPB resources necessary to stop these people from additional predatory practices.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I have attempted to dispute an item on my EXPERIAN credit report. This is a XXXX XXXX Credit Charge from almost 10 years ago. Not only has the company sold it to a debt collector. The debt collector fraudulently restarted the clock on this item about 3 years ago so it is Still Showing on my credit report. Now I have disputed this beginning on XX/XX/XXXX of 2024, no response from the bureau. Another dispute was filed on XX/XX/XXXX, then another on XX/XX/XXXX. All with no response. Due to the laws behind credit bureaus having 30 days to respond this should have been removed from my credit. The bureau declines ever receiving my letters for dispute however I have mailed them to the address on THEIR website which is step by step instructions on HOW TO DISPUTE. Ridiculous shady business EXPERIAN is pulling. Please have this removed from my credit report immediately. Thank you. 

All the dispute letters Ive mailed to them have been dated all with no response. These must be deleted from my credit report immediately.
Product: Debt or credit management

Below you will see the email loop asking for cancellation to the subscription without success since XXXX TomoCredit Customer Support Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 


XXXX ( TomoBoost ) XX/XX/year>, XXXX XXXX XXXX XXXX XXXX 

Thank you for contacting the TomoBoost Support Team. 

Building credit takes time. It may take 2-3 months for TomoBoost to reflect on your credit report and improve your credit.

We want to warn you that there is a high chance your credit score may decrease due to a closed line of credit.

Check your credit monitoring dashboard to see if you can afford a credit score drop here. Are you sure you wish to continue with your cancellation?

We're offering you a FREE 30-day extension of TomoBoost so you can try all or our features Your payment method won't be charged. 

Would you be interested in taking advantage of this offer instead of proceeding with cancellation? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for contacting the TomoBoost Support Team.

We want to help you build your credit and secure your long-term financial future.

We apologize for any disappointments in our product. 

XXXX the power of our all-in-one solution! From credit reporting to comprehensive financial management and credit dispute assistance, our product brings together everything you need for your credit journey in a single platform. 

Live Credit Monitoring ( {$50.00} value ) Recurring Bills Management AI Financial Assistant Dispute Credit Report Mistakes ( coming soon! ) Best, P.S. Heres a live demo to make the most out of TomoBoost! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for contacting the TomoBoost XXXX XXXX. 

We're truly sorry to hear you're reconsidering TomoBoost. Could you share what's not meeting your expectations? 

We are constantly working to enhance our product experience for XXXX XXXX customers by improving and creating additional features based on your feedback! 

Did you know with TomoBoost you have access to : Live Credit Monitoring ( {$50.00} value ) Recurring Bills Management AI Financial Assistant Dispute Credit Report Mistakes ( VIP only ) Best, XXXX. Heres a live demo to make the most out of TomoBoost! 
Support @ XXXX XXXX XXXX XXXX XX/XX/year>, XXXX PDT Please I request to cancel my monthly subscription. I haven't seen any improvement in my credit score since I have the membership with you. Please cancel ASAP.

Thank you Regards
Product: Student loan

I co-signed for one $ XXXX total education loan thru Sallie Mae / Navient. After signing for one loan the company issued two loans, one for $ XXXX and a second for $ XXXX, under two different loan numbers totalling $ XXXX. The primary borrower has since made over $ XXXX in combined principal reduction payments which should have relieved me from the original co-signer responsibility. However since they issued two separate accounts, they billed and credited the second account enough to close it first, leaving the me as the original co-signer holding the bag on the extra un-disclosed amount. I have made several calls to Navient filing complaints about the second loan amount and the double accounting problem. They refuse to acknowledge any problem.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

XXXX and transunion, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. XXXX has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request to please follow up with the credit bureaus about this important matter.
Product: Credit reporting or other personal consumer reports

Ive had issues with paying my XXXX XXXX in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the XXXX XXXX statements were going to my spam inbox ( XXXX  ) and I did not realize that. I thought I had made payments monthly when Im paid on the 1st, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. I have a long credit history ( 20 years ) including the XXXX card and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that XXXX stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to XXXX. XXXX has refused to do anything is not representing what actually happened to the credit agencies and the agencies are taking targets word for things without proper investigations.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, MIDLAND CREDIT MANAGEMENT who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If MIDLAND CREDIT MANAGEMENT is reporting a debt that I do not owe, they are violating this law. The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If MIDLAND CREDIT MANAGEMENT is operating illegally by collecting debt without being registered, they are violating this law. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

I obtained a line of credit through XXXX XXXX XXXXXXXX and am struggling to make the payments and live. My husband had a job change and our household has taken an income reduction. I am not disputing the debt but need a more reasonable payment arrangement. Payments are due every two weeks and fluctuate in amount but typically range from $ XXXX {$400.00}. They have allowed me to move a payment but then that payment plus regular payment is then due. I am desperate for a fixed payment that I can manage and still feed my family. The interest rates these types of companies are allowed to charge shouldn't be legal. When your credit is less than desirable people like myself aren't left with many options. I borrowed the money and am responsible for paying it back but please have some grace and allow me to do it in a more manageable way.
Product: Debt collection

This is a charged off debt which now has become a income due to tax files by the company discover. They are illegally reporting that to my credit report I demand for it to be removed immediately I have enclosed a legal dispute letter and demand for this to be removed of my credit report immediately. Also I am and enclosing cease and desist of all communications between me and this company. Effective immediately
Product: Checking or savings account

I opened a new checking account on XX/XX/XXXX with TD Bank located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had opened a new account due to a fraudulent check being cashed on XX/XX/XXXX under my previous checking account with TD Bank that I had open since XX/XX/XXXX. My bank account was originally handled by XXXX XXXX and was taken over by TD Bank. The fraudulent check has been reported and is currently under investigation with TD Bank. I had closed that account on XX/XX/XXXX and opened a new checking account with TD Bank. I was also issued a Debit Card in the bank that same day. I then did not use my debit card anywhere until XX/XX/XXXX at the ATM in the bank located at XXXX XXXX XXXX, XXXX. I then received my bank statement for the new checking account in the mail on XX/XX/XXXX and discovered 11 fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MD totaling the amount of {$360.00}. I contacted TD Bank on XX/XX/XXXX to file a complaint where I spoke with XXXX who advised me the charges at the pub totaled the amount of {$400.00}, and that money would be back in my account within 5 business days. On XX/XX/XXXX I went to TD Bank and spoke with XXXX XXXX who issued me a new debit card. On XX/XX/XXXX I went to a XXXX XXXX Police station located in XXXX on XXXX XXXX XXXX XXXX, XXXX, MD XXXX to file a fraud report with XXXX XXXX # XXXX. He told me that he would go to XXXX XXXX XXXX to check if they had video surveillance. On XX/XX/XXXX I went to the bank and they told me the fraud claim was denied. I acquired the police report number from home and went back to the bank to have them take a copy. Following that I was issued an ATM only card and the girl cut up my debit card. I did receive the ATM card in the mail. On XX/XX/XXXX I went to TD Bank and requested the denial in writing. On XX/XX/XXXX XXXX XXXX called me from TD Bank and told me it was denied because the chip was presented at the pub. He said he had the denial in writing for me to pick-up. On XX/XX/XXXX I went to the bank to pick-up the denial e-mail that XXXX received. The email was from XXXX XXXX of the fraud department and she stated that the reason for denial was that chip cards can not be counterfeit at this time, so the card must have been present. It read the pub was 25 minutes away from my home address, and no decline attempts were made with the card after it was closed, leading them to believe the person who used the card knew it was closed. It should be noted that no other fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX when I reported the fraud to the bank. I spoke with Manager XXXX XXXX who told me that there was nothing further they could file since the chip card was used at the location. I asked if it was possible an employee at the bank created a second card and used it and he told me that it was not possible. I have since found reports online of TD Bank employees creating second debit cards on customer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/, I was informed by my brother that despite havent no association to this supposed debt, has been harassed and even had his XXXX score negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

in XX/XX/2022 i checked my balance witch was XXXX dollars and change i payed the full amont on that day with my debit card checked my balance days later and now they say i owe XXXXand change for intrest on purchaces witch i have not used the card in almost two years
Product: Credit reporting or other personal consumer reports

violation of the federal reserve act section 16 1 and 2 Equitable Relief.

Section 21 ( d ) ( 5 ) of the Exchange Act of 1934.

In any action or proceeding brought or instituted by the Commission under any provision of the securities laws, the Commission may seek, and any Federal court may grant, any equitable relief that may be appropriate or necessary for the benefit of investors ( i ) First tier. The amount of the penalty shall be determined by the court in light of the facts and circumstances. For each violation, the amount of the penalty shall not exceed the greater of ( I ) {$5000.00} for a natural person or {$50000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation.

( ii ) Second tier. Notwithstanding clause ( i ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$50000.00} for a natural person or {$250000.00} for any other person
Product: Mortgage

On a statement sent on XX/XX/2019, Wells Fargo sent me an escrow statement claiming there was a shortage on my escrow. I have the option to pay over 12 months, or just pay them the shortage amount in full. The issue is that either option had me paying a lower monthly escrow payment than I was previously paying. The " shortage '' is based on an even lower arbitrary number, not my previous escrow payment. This seems deceiving to customers, and likely is used for people to pay them extra money up front, rather than issue an escrow refund for over collecting, which pads their numbers for quarterly reports.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I checked my credit report on XXXX and seen that I had a open loan for the amount of {$1300.00} from Security Finance Corporation with a monthly payment of {$150.00} a month. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called Security Finance Corporation and was transferred to XXXX to do a fraud dispute. XXXX informed me that Security Finance Corporation purchased my information from XXXX and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at Security Finance Corporation at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL XXXX BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX 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
Product: Credit reporting

I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian!