23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was contacted by an individual by the name of XXXX XXXX via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via XXXX from my bank at Bank of America. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via XXXX again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called Bank of America on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at Bank Of America told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called Bank of America back and they told me they denied my claim and I can not appeal any XXXX transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help Bank of America can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 StateXXXX i have the right to privacy. 

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions. 

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Wells fargo deleted my online account without notice causing me to delay my payment again due to there long activation process for setting up a online account. This is causing me a inconvenience and having to mail a check delaying the payment I want to make on a specific date and time. This company has done this to me before and a complaint was filed here. Wells fargo has bad business practices and still continue to make things difficult for there customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I am tried restore my credit score with Trans Union. Company not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information TRANSUION received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 



Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Product: Student loan

I had a private student loan through XXXX XXXX. In XX/XX/XXXX, the cosigner responsible for my loan passed away. Payments were automatically taken out of their account until XX/XX/XXXX. I had no idea, because this was a loan that they handled. 

I began XXXX XXXX applications spring XXXX and was accepted that summer. I decided to check on my private loans immediately after being accepted into XXXX XXXX in early XXXX. The loan was not accessible to my account anymore. XXXX XXXX told me the loan had been charged off. The loan had been charged off in XX/XX/XXXX. 

My XXXX XXXX  financial aid was then halted because of this charge off. 

I requested the name of the company that bought my loan and XXXX XXXX gave it to me : Southwood Financial. 

I began calling them to figure out how I could began payments on my loan. The number associated with Southwood Financial is only a phone with a voicemail attached to it. On the voicemail message that the company has, there is no mention that it is Southwood Financial. I left several voicemails and heard nothing back. Even today, I called and it went straight to voicemail. Their website lists an email to speak about loan repayment, but they never respond to those emails either. Their website also lists a resource list that links to various reputable sites, but the " services '' tab on their site lists no links. 

When I spoke to the Department of Education, I was told they could do something about the charge off if it was 2 years old OR if I speak to the company that bought my loan and showed I was making payments. I was hoping the second option would be how I resolve this, but Southwood Financial is making this very difficult for me. It feels very predatory, especially as I'm being proactive to consolidate my loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I noticed i have fraudulent accounts on my credit report. Since they are fraudulent they need to be removed immediately under the FCRA.
Product: Debt collection

I was contacted by a third party who asked me to call another number or legal action may be taken against me. They said they are a debt collection agency of XXXX XXXX XXXX. I explained that this debt is not mine and based on their information it it past the statute of limitations for the state of Arizona. They said Bank of America had provisions in the contract that extends it to 10 years. I believe this is False information. I have not received any paperwork in the mail verifying the debt. Per the attached paperwork the account was closed in XX/XX/XXXX and they claim my last payment was in XXXX. Either way it is well past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting. nobody wants to grant me a loan because of this. 

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
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX. I tried to rent an apartment and filled out the application. The scammer asked me to send them money via XXXX. I found out that it was a scam. I would like to get some level of protection like I do with a credit card. The back ideally should be able to track where the money went and reverse the transaction. Yes. I was a fool and got scammed but Ideally my bank should offer some level of protection. Any help you can provide would be much appreciated. This is a huge financial hardship for me and we should all work together to stop these scammers. I appreciate any help that you can provide. 

XXXX XXXX
Product: Debt collection

I have attempted to resolve this with the company multiple times.

The debt is appearing on my credit report, even though the name does not match my SSN. The company does not care that the debt is under someone else 's name, they refused to remove it.

I don't understand how they can list something on my credit report that is not mine.

It does not match my government name listed on my birth certificate, social security card or drivers license. It is clearly identity theft and/or fraud.
Product: Consumer Loan

I received an pre-authorization offer for a personal loan with Discover Personal Loans through XXXX mail with a potential interest rate as low as 6.99 %, as I am a current Discover Card account holder in excellent standing and with excellent credit. 

After going through process, I was quoted an interest rate of 16.99 % - XXXX more points than the pre-authorization. 

I only had XXXX hard inquiries on my credit, before Discover. Being a Discover Card holder, I am not sure why a hard inquiry was needed, when a soft inquiry would have been sufficient. Now I have XXXX hard inquires on my credit report. 

Discover 's hard inquiry, alone, dropped my FICO score by XXXX points. I had a FICO score of XXXX before Discover did an inquiry. I am asking that the hard inquiry be removed from my credit reports. Had I known that my credit score of XXXX received an interest rate of 16.99 %, I would have never applied for the personal loan to consolidate my other credit cards ( with interest rates of 12.99 % and 10.99 % ). Nor should Discover have needed to pull my credit, seeing as I am a current customer in good standing. 

I have asked Discover to remove the hard inquiry, but am not making progress with Discover.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are completely unrelated to me, and I am not responsible for them in any way. Their presence has caused me significant mental anguish and financial hardship. As an identity theft victim, I'm left with no choice but to consider legal action if this issue isn't properly addressed. These false and fraudulent entries have prevented me from buying my dream home and adequately providing for my family, severely impacting my financial health. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Product: Debt collection

The debt is not reported accurately. Texas state law statue of limitations starts on the day the last payment on the account was made. Referred to as the DLA. The information just reported to the credit bureaus is not correct The DLA is over 6 years old. The Texas statute of limitations is 4 years. Civil Practice & Remedies Code - Chapter 16, Section 004. The debt is outside the 4 year statute of limitations, and I am not liable for this debt. JH Capital Group Acct : XXXX File # XXXX is inaccurately representing this account and is in violation of Texas State Law and I am not liable for this debt. I request their information be removed from my credit report.
Product: Debt collection

The debt collector Midland Credit Management ( if that was indeed them ) called me and implied they would get a levy on my bank account if I did not give them my banking information then and there to setup a payment plan. Out of fear I gave them this information. I learned after the fact that ( 1 ) you are never supposed to give a debt collector your banking information and ( 2 ) they are not allowed to imply that they will get a garnishment or levy against you if you do not comply I am afraid of my bank account getting drained now as it only contains money I need to survive. 

I was called from XXXX
Product: Debt collection

I contacted IQ DATA INTERNATIONAL IN in regards to bill on my credit report for the XXXX XXXX XXXX XXXX XXXX. While I did stay at the XXXX XXXX XXXX XXXX, in missouri a landlord has 30 days to send an itmized list of damages and the amount. MO Rev Stat 535.300. the  XXXX XXXX XXXX XXXX neither contacted me about the amount nor gave me a list of any damages and i am disputing this debt.
Product: Credit reporting

Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished with unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX ( XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : XXXX
Product: Payday loan

I believe Rise is a payday loan co and as I am checking my credit report I see Rise on my credit report and I have never applied for a payday loan at Rise. I have been having lots of problems with my ex-spouse which whom I divorced in 2006. I am more than certain he is the one applying without my consent.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX RE : Notice of Violation of the Card Holder Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

I started reaching out to Experian on XX/XX/XXXX to request the deletion of an account since the incorrect information was reporting. However, following the dispute, it was still appearing on my credit report, which I did not agree with. I contact Experian multiple times over the year a few dates were XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. In which I finally received a response dated XX/XX/XXXX, which updated the account but did not resolve the matter. Actually, with these results the charged-off date which showed XX/XX/XXXX were adjusted to XX/XX/XXXX and then re-added as a charge off AGAIN in XX/XX/XXXX -- - which is when they had completed the dispute. This is completely inaccurate and greatly affecting my ability to obtain credit essentially defaming my character. I then sent letters explaining how the information report was false, and initially, they told me it was accurate and marked my dispute frivolous. However, that is not an option for me! So I filed another dispute informing them they re-aged my debt and marking it as a charge off in XX/XX/XXXX -- 2 years after it appeared closed it absolutely incorrect! They have failed to assist me in correcting this matter. I am filing a complaint because I am confident I have requested there help more than enough times in which they have failed to rectify the situation and delete the account -- which at this point should absolutely 1000 % be deleted per the FCRA laws. I look forward to hearing feedback in resolving this matter.
Product: Debt collection

A few years ago upon checking my credit report, I noticed a collections account listed by Midland Funding LLC with a " placed for collections '' date of XX/XX/XXXX. At that time my credit score dropped due to the listed collection ( which I deny owing ). Up until XXXX of XXXX my credit score had been at XXXX. At that time, I received notification from XXXX XXXX that my credit score dropped 53 points in one reporting period to XXXX. When I researched the reason for this precipitous drop, it showed that Midland Funding LLC had removed the collections account and reinserted the account as a " new account in collections '' in the same period under Midland Funding ( minus the LLC ), thus causing my credit score to plummet. This has caused my credit to drop below XXXX which will make renting an apartment or obtaining auto financing ( which I will need to do in the next few months ) very difficult. I contend that this is wrong, including the fact that Midland claimed the account in collections back in XXXX only to now reinsert as a " new '' account in collection and only removed the LLC from the listing despite it being the same company. This devious tactic should be reversed immediately as well as the collections account being removed permanently from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the XXXX XXXX credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from TD Auto Finance thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - XXXX XXXX XXXX '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at TD.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX  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. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX 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