23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe in the State of Delaware Sunday collection calls are prohibited on Sunday 's. I received a call this morning at XXXX which according to your website is legal to call after XXXX although it is Sunday morning and I was having breakfast with my family and when I answered they hung up. I googled the number and it was Midland Credit they called from XXXX. Not sure who or why they were calling but it is Sunday morning have some respect for consumers and their families.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting Company, TransUnion recently conducted two investigations and found my claims of incorrect information to be correct. 

XXXX XXXX XXXX XXXX XXXX was deleted from my credit report. 

XXXX XXXX XXXX  XXXX  ( XXXX ) account balance was corrected. 

My resulting credit score is XXXX. 

I applied for a house rental through XXXX XXXX XXXX today, and they use TransUnion to determine creditworthiness. 

The TransUnion report they pulled today shows my Credit Score as XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error. 

I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.
Product: Checking or savings account

I mailed out a check in amount of {$240.00} to " XXXX XXXX '' for my church advertisement fee on the date of XX/XX/XXXX. In the morning of XX/XX/XXXX, I found out there was a transaction of that same check in amount of {$2200.00} and made out to a person 's name as XXXX XXXX XXXX XXXX and on the memo section it said XXXX XXXX '. Someone definitely altered my check by adding '2 ' in front of my original XXXX and squeezed in 'XXXX ' right in the little tiny space, and changed the payable and the memo. I went to my bank which is XXXX XXXX and made a claim to the Fraud department. The associate told me not to worry and they will investigate on this asap. So far they found out a person stole my check and altered and deposited to Wells Fargo bank. But finally after all that investigation, Wells Fargo sent me a letter saying they are not going to reimburse my money because I could not provide a copy of my check before it was altered. I don't use those checks that come with carbon copies. I don't make a photo copy before I send payments to my bills. All I have is the statement the " XXXX XXXX '' sent me and a note that I wrote on that saying " XX/XX/XXXX Ch # XXXX {$240.00} '' for my record. Both banks made huge mistakes. Now they are blaming on me. What should I do?
Product: Student loan

In XXXX filed for bankruptcy and the lawyer told me that my student loans would be forbearance do to a financial hardship. Never heard anything until XXXX with a wage garnishment that my employer received. The collecting agency charged XXXX of dollars and after 6 months of paying them it was switched to automatic payment with XXXX XXXX and then converted to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX, XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to Transunion, XXXX, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as Trans Union, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, XXXX, and Transunion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have filed disputes with all XXXX credit reporting companies regarding the following FALSE debt : CREDIT COLLECTION SERVICES in XXXX, MA in the amount of {$180.00} for an alleged debt to XXXX XXXX and XXXX XXXX As of XX/XX/22 XXXX removed this erroneous collection report from my credit report, but the other XXXX credit agencies have not dispute multiple disputes and contacting the creditor and telling them the alleged debt was invalid. 

There is no way I ever owed XXXX {$180.00} because I canceled my auto policy in the first 7 days and was issued a refund. Further, I have not gotten my {$400.00} auto insurance rebate every citizen of the State of MI is entitled to if this debt was valid at that time. 

I want this immediately removed from the other XXXX credit agencies.
Product: Debt collection

Today on  XXXX   XXXX ,  XXXX  I used  XXXX   XXXX  app to view my credit on  XXXX   XXXX  report. I discovered I had some negative action from missed payments t o Dept of Ed for s tudent loans. I contacted the phone number provided t o Dept of Ed on   XXXX   XXXX   XXXX  and was ask for my social, dob, email, etc. To access my student aid account. The rep pulled up all my student debt info and then tried to convince me to apply for forgiveness. Once she offered to have {$4000.00} removed as forgiveness from my loan I ask why we had n't addressed the matter for my call about the  XXXX  negative actions on my report. At that time I felt her response was dancing around the question and asked if they were in fact a government entity with DOE. She stated they were and the company is calle d Student Loan Help Center.  While on the call I searched them on  XXXX  and realized this was a scam.  <P/> Not sure how this company received my call or has their number listed for DOE with  XXXX   XXXX .  <P/> I 'm filing this complaint because the took my personal info and I 'm worried they will attempt to use it. Also, I would like to understand why their phone number is the one provided for the DOE with  XXXX   XXXX , they misguide you to believe you are speaking with DOE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor this is my father and its on my report case. acc- XXXX, bal-XXXX XXXX XXXX XXXX, acc- XXXX, bal-XXXX XXXX XXXXl, acc- XXXX, bal-XXXX XXXX XXXX XXXX, acc- XXXX , bal- XXXX XXXX XXXX, acc- XXXX, bal- XXXX XXXX XXXX XXXX XXXX, acc - XXXX, bal- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Transunion XXXX  XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX  XXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late.

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I recently ran a Credit Report on Experian.com and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit reporting agency has continually allowed XXXX different creditors : XXXX XXXX XXXX, XXXX XXXX XXXX and LVNV Funding LLC to report inaccurate information to my credit file. I have submitted numerous disputes with supporting documentation every month since XXXX of XXXX. This company has failed to correct my credit report and update accurate information. They have continually violated my rights under the Fair Credit Reporting Act. As such I have been denied home ownership, financing, credit and other essentials that should be afforded to every XXXX. They have never made an effort to correct or remove this information based on the discrepancies that are clearly and unfairly reported thus breaking the law.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently, submitted a dispute to XXXX  about the way Jared-Galleria Jewelry is reporting on my credit report. On, XX/XX/XXXX, I received a response back from XXXX stating that Jared-Galleria Jewelry has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) XXXX reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, XXXX reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, XXXX  fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that XXXX  did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, also known as XXXX XXXX, XXXX XXXX, XXXX, Transunion, XXXX, and XXXX XXXX, for numerous violations of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Details of the Violations : XXXX. XXXX XXXX  ( XXXX Credit ) : o Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX  refused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( 15 U.S.C. 1666 ). o XXXX XXXX  deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, XXXX, and TransUnion ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ). o Despite disputing the account with all three credit bureaus between XX/XX/XXXX and XX/XX/XXXX, they refused to remove the derogatory mark from my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). XXXX. XXXX, XXXX, and TransUnion : o These credit bureaus supplied inaccurate information to XXXX XXXX, XXXX XXXX, and XXXX XXXX, in XX/XX/XXXX, who then took adverse actions against me by reducing the available credit on my account to the balance on the account, bringing my credit utilization over 100 %, and destroying my creditworthiness, in violation of the FCRA ( 15 U.S.C. 1681e ( b ) ). 3. XXXX XXXX : o In XXXX, XXXX XXXX refused to remove a charge billed in violation of the FCBA after I submitted over 10 disputes for the same charge, in violation of the FCBA ( 15 U.S.C. 1666 ). o XXXX XXXX reported the inaccurate information to credit bureaus, in violation of the FCRA ( 15 U.S.C. 1681s-2 ). o Following my complaint with CFPB, XXXX XXXX removed the charge but failed to acknowledge and respond to my dispute. XXXX. XXXX XXXX  : o XXXX XXXX  closed my XXXX credit card account based on inaccurate delinquency information, despite my record of never missing a payment on that account, in violation of the FCRA ( 15 U.S.C. 1681m ). As a result of these violations, I have suffered significant financial damage, including : Loss of over {$22000.00} in credit line. I am forced to pay over {$800.00} in interest and fees every month since XX/XX/XXXX to keep my credit accounts open and prevent further adverse action. Denial of a mortgage by XXXX XXXX, denial of Business credit by XXXX based on inaccurate information provided by XXXX XXXX and XXXX XXXX. Harassment by phone calls and mail from XXXX XXXX  regarding the alleged delinquency on my XXXX account.
Product: Mortgage

I called New Rez about my paid off Mortgage about the escrow refund and when I should expect it. I was first told that it could take up to 30 days for the refund. I tried to advise them that my checking account information because it had changed. They said they will issue a check for the remaining escrow. There was a little over {$1700.00} in the escrow account. I have waited well beyond the 30 days which should have been 20 business days. I called recently to see if they had sent the check and they told me that the money from my escrow was used to pay off my mortgage. I advised them that the money was in trust to them to pay on taxes and insurance not for the payoff of the mortgage. This is not with the same loan company. I have read the regulations and this servicing company is not sending my refund due to the payoff balance was not sufficient to pay off the loan? They sent me the paperwork of the payoff and deed transfer to the new servicing company.
Product: Student loan

i signed up for school and after 2 semesters they asked for payment i was told i wouldnt have to start paying until i recieved my degree
Product: Checking or savings account

HSBC bank has been misleading, unfair and has discriminated against me as a XXXX Veteran. I believe HSBC has violated federal consumer protection laws or regulations. I was enticed by hungry reps into opening another checking account on XX/XX/2020 with a promise of {$220.00} dollar bonus after 3 months of continued direct deposit. Even though I already had a checking account I was misled into believing that if I opened a new checking account I would get a bonus of {$220.00} and approved without an issue. The bank failed to honor the bonus of {$220.00} and now have repeatedly discriminated against myself as a XXXX Veteran. I have tried contacting them and I have been told there is no record of calls, that I was mistaken, and that the offer has expired.