23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Attaching a graph of the 3 bureau reports for the last two years may seem too complicated to assign each question. However, when there is unusual activity, there is always a pattern to be found. In my case, I narrowed it down to three patterns : ( A ) an agency would have " hard inquiries '' multiple times in XX/XX/XXXX hours ; Never hurt my credit report. ( C ) There is also this kind of company. They not only promise to only do soft checks, but also obtain all my personal information, including my social security number, birthday, etc., and finally perform hard-core queries. They also have this kind of artificial intelligence program, just Like a regular draft, is a system where after a few months, hard queries are automatically made. That means they want to play it safe but don't care what happens to my credit history. Unfortunately, when the above activities are piled up by certain businesses after multiple foul play, the trouble becomes a nightmare on my credit report. A few years ago, I was a victim of identity theft. I've been working hard trying to get my credit score back on track. It took me at least four years to go from penniless to more than XXXX XXXX Recently, due to an unexpected incident, the clouds were immediately stirred up, causing my credit report to drop more than XXXXXXXX XXXXs in an instant. One of my creditors, XXXXXXXX XXXX, incorrectly reported delinquency to XXXX twice, even though they were able to make a correction with XXXX after I challenged XXXX XXXX? However, the damage has already been done. It looks like they could easily drop my credit score by over XXXX XXXX XXXXt, but climbing back to where it was ( XXXXXXXX XXXX short ) would be very difficult. Came back after I called XXXX to find out the number of hard inquiries was blocked. This may sound like a drama, but my own life has been severely disrupted and disrupted in many places. In today 's society, a credit score out of XXXX divides people 's quality of life into different groups. I have spoken to XXXX and they have advised me to report the fraud to the FTC. To sum up, I now have a total of 8 hard inquiries in dispute XXXX, except for the earliest soft inquiry on XX/XX/XXXX, which was counted as a soft inquiry with my consent, and all others were without my knowledge. Their caprice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unfair reporting on my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), the CARES Act, and other applicable consumer protection laws. The following accounts contain errors that must be corrected immediately : 1. XXXX XXXX  Credit Card ( Account ending in 279871... ) The account reflects late payments, which should be removed under the CARES Act. If I was affected by XXXX and had an agreement with the creditor for deferral, forbearance, or payment modification, the account was required by law to be reported as current during that period. 

Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must ensure the accuracy and completeness of the data they report. If any late payments were reported while I had an agreement in place, they must be immediately removed. 

I am requesting that this account be updated to reflect a Paid as Agreed status with no late payments. 


XXXX. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX... ) This account is listed as Paid, Closed, but it does not specify that it was closed in good standing. 

Under FCRA ( 15 U.S.C. 1681c ), closed accounts must be reported accurately and fairly. The lack of clear reporting misrepresents my credit history and affects my score unfairly.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), it is unlawful for any entity to report misleading or incomplete credit information.

I request that this account be updated to Paid, Closed No Late Payments to reflect the true status.

Request for Investigation & Compliance As required under 15 U.S.C. 1681i, I am requesting an investigation into these inaccuracies and a correction of my credit report. You are legally required to complete this investigation within 30 days and provide a written response.

If these inaccuracies are not corrected, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to enforce my rights.

Please update my credit report accordingly and provide written confirmation once the corrections are made.
Product: Credit reporting or other personal consumer reports

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 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 XXXXXX/XX/XXXX Any information on my credit associated with these and other beforehand mentioned accountsbanks, are not mines and I have no knowledge of. I did not accept responsibility for them and have no ownership of them.
Product: Vehicle loan or lease

this company financed a vehicle that was included in a safety recall XXXX this recall includes information that the airbag inflator ruputure could have cause death or injury to vehicle occupants. this car was sold for way more than value and also it could have caused death to me or family. this loan needs to be removed from credit report for fraud. this information was not made aware at selling of vehicle. all safety and all history should have been released during sales of vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit report I discovered a credit one bank card that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to EXPERIAN, XXXX and XXXX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a credit one bank card that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to EXPERIAN, XXXX and XXXX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing in regard to an issue with the way you are reporting this account on my credit report. I have noticed that your company has reported to the bureaus that my account was charged/off, and it is impacting my credit score from obtaining credit. I have paid the account in full and is legally validated from the dates shown below. please see attachment of proof. XX/XX/XXXX the original creditor XXXX account # XXXX opened on XX/XX/XXXX. I have no further obligation with this account since it is only hurting my credit and holding my credit points down. It is my understanding that you will investigate for these items to ensure full creditability as it should be because I paid in full and do not owe any balance as todays date. XX/XX/XXXX and it has been showing on my credit report as charged/off since dates XX/XX/XXXX for XXXX Transunion , XXXX. 

According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item. This means I am asking for this charge off to be deleted off my credit account report since I have paid in full. I have also filed a dispute against the original creditor to have this deleted off my account since it has been paid off as balance of XXXX $ and have failed to comply back with me. I expect to see a response from you within 30 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. If you fail to investigate this account properly you will have violated my rights. I have uploaded proof of Identity of myself in two forms possible. please see attachments. 

I am demanding a deletion on the following accounts. 
XXXX account # XXXX Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Product: Mortgage

On XX/XX/XXXX, I set up a payment thru bank and statebridge for XXXX. On XX/XX/XXXX I called my bank to see what happened they said they never got anything from statbridge regarding this payment. So ok XX/XX/XXXX later in the day I did a three way call with my bank XXXX XXXX  and statebridge there was no answer as to what happened so we set up another payment for XX/XX/XXXX for the amount of XXXX. Around XX/XX/XXXX I called bank again and the payment was never token out cause it wasn't submitted from statebridge. On XX/XX/XXXX truck broke down I had to get it fixed, so I didn't have all the money till XX/XX/XXXX. I looked into doing a XXXX XXXX  but it was gon na cost me about XXXX is what they told me at the convente store, i said noway i cant afford that. Since this has happened I've change to XXXX, so I think this is fixed. On XX/XX/XXXX set up a payment for that same day I didn't realize my auto insurance came out that day I screwed that up. 
After all of these different times/dates I've been transfered to a XXXX XXXX in legislations I've left him at least 3 different messages I've also been told he would call me the next day by other customer service reps. He has not returned any of my calls. I know this is ultimately my fault nobody else 's, I just need some assistance. With getting in touch with this guy and coming to an agreement without me loosing my home. Right now I have XXXX.
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. 

XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX Services 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.
Product: Debt collection

I have been disputing this information since XX/XX/XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a HIPPA violation notification XX/XX/2016 to this company. I need forms showing where I signed for these account. Also my HIPPA rights have been violated once any medical information has been shared with any 3rd party agency.
Product: Credit card or prepaid card

can't access account, at all. tried calling every number possible. can't get online banking on the website or by calling the 1800 number.
Product: Debt collection

Love , Beal & Nixon , P.C . Of XXXX  XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX XXXX Account Number : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account XXXX : XXXX 4. XXXX Account XXXX : XXXX 5. XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have # XXXX Affirm Accounts that have been active since XX/XX/XXXX. All # XXXX posted to my XXXX as XXXX Account on XX/XX/XXXX. This has caused a decrease of XXXX points. 

Due to XXXX XXXX, we are still experiencing hardship. Payments have always been made on time. 

Just last month I received my first 30 day late report that was added to all # XXXX accounts, that then was posted to my account on XX/XX/XXXX showing NO payment history for any of the # XXXX accounts. 

Shows # XXXX XXXX Accounts with a 30 day late payment. I called asking for a resolution to these accounts and why did they report to my XXXX almost a year later with no payment history listed. No response
Product: Debt collection

LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report. 
The below is from a previous suit against LVNV. They are doing this same exact thing to me. 
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default. 

#. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. 

#. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores
Product: Student loan

The  XXXX   XXXX   XXXX  has my name as consigned on a loan they sold the  Nationsl Collegiate Trust and it is now being serviced by American Education Services.  I have made aes aware that fraud took place and my name should not be attached to any loan. I did not sign for or agree to consign on the loan and I have spent the last 11 years arguing with them. They continue to delay and side track the entire time but do nothing to clear this up. I have filed a fraud packet  in 2006 but ae s sent it back because I could not name den aes.the. Responsible party. My credit has only  XXXX  negative mark and that is aes.
Product: Mortgage

Step 1 : What is this complaint about?
1 ) Failure to communicate 2 ) Failure to provide monthly statements 3 ) Only Option provided, Deed in Lieu of Foreclosure Step 2 : What type of problem are you having?
Understanding why Account Audits are declined Understanding why there are so many different pay-off amounts Understanding why Wells Fargos ultimate goal is to create homeless veterans Step 3 : What happened?
Filed Ch XXXX to strip 150K Equity Line that Wells Fargo deposited into my account without consent. During the Plan Well Fargo petitioned to have pre-petition arrears paid. I agreed because I wanted to do the right thing and whatever I could to keep my home. It was at this point my Bankruptcy Payment tripled, I was no longer receiving statements nor would Wells Fargo answer any questions, only to 1 ) Refer me to their attorney in Alabama [ I think ] and I advised my attorney, 2 ) I 'm no longer eligible for a monthly statement due to bankruptcy.
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It was at this point [ XXXX 2016 ] that I discovered that Wells Fargo would only send statements to my attorney and he didnt know they refused to speak to me or send me statements. It took several months to convince Wells Fargo that I should be received a statement. Only after we decided to go back to court, that I personally started receiving statements. This was when I discovered that I had accumulated are large arrears.
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Step 4 : What company is this complaint about?
Wells Fargo Home Loans Step 5 : Who are the people involved?
My Representatives that are trying their best to help me keep my home XXXX XXXX, Bankruptcy Attorney XXXX XXXX, Mortgage Professional [ 40+ yrs exp ] XXXX XXXX , Real Estate Professional [ My advisor for 20+ yrs ] Wells Fargo many & various, currently XXXX XXXX XXXX ext XXXX. Normally hang up after 15 rings but when I can leave repeated messages they have proven futile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU
Product: Debt collection

I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well. 

Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.
Product: Money transfer, virtual currency, or money service

I have had a chime account for around 3 years now. Put thousands of dollars of my money through the app. Well this is the second time Ive had a large amount of money just disappear. I have called them atleast 40 times and sent multiple emails, along with having to file multiple disputes over and over again. For months. On top of that Ive sent the same piece of evidence over and over and over again because every time I talk to them they say they dont have it. Ive talked to supervisors and have asked multiple times to speak with someone of higher power. The first time this happened I really didnt have much proof that the charges were unauthorized. So I get it. But this time I WAS IN XX/XX/XXXX! Ive sent paperwork like 15 times to prove it! Ive been going at it with this horrible app for months! And Ive lost my car over this! They owe me over {$1000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Miramed revenue group. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with XXXX XXXX a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth XXXX has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I received a notice of the this debt on XX/XX/XXXX from Procollect Inc. This debt was incurred in XXXX and paid around XXXX to the XXXX XXXX directly. I called and spoke to a representative for Procollect asking for some type of verification on this as it was paid many years ago. All they could provide was that they had spoken to me last in XXXX. I have not been contact by them since. The XXXX XXXX XXXX not have this information any longer as it has been 10 years and they have moved management companies many times over. When I asked for Procollect 's license number to make a report, I was denied. I was unable to find their information as a licensed creditor to make a report online.