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

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Product: Credit reporting or other personal consumer reports

Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a 30 plus year veteran in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on 2 accounts 20 years ago, and I have had maybe 4, 30 days over the past 2 years or so.

The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. 
Because of a recent XXXX XXXX  sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! 
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. 
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. 
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. 
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. 
my cards are with XXXX, XXXX and XXXX 
thank you for your help!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XXXX/2024, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

Aqua Finance , Inc has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

I am submitting this complaint because I want to get a fair solution to this issue. They have committed multiple violations : post charge-off interest. 
Reporting late payments after closing date ( CCRA ). 
Misrepresentation of facts. 
Unconscionable interest charges. 
Account is falsely reporting as a collection instead of a charge-off. 
Negligence Unfair business practices I want to get the following account removed from my all 3 credit reports : Aqua Finance account. 
Date Opened : XX/XX/2018 Highest balance : {$8200.00}. 

I am willing to get to an amicable resolution. 

Please send the attached documents to the company. 

Thank you.
Product: Debt collection

" Credence Resource Management, '' has put a false collection on my credit report with XXXX. The debt is through XXXX XXXX XXXX... I never had a account with XXXX XXXX XXXX. The amount is {$780.00}. I never received any letters from XXXX XXXX XXXX regarding a debt balance. I contacted XXXX XXXX XXXX  to confirm that I do not have a debt. They ran my Social Security number and says that I do not owe a debt. I had called " Credence Resource Management, '' they wouldn't provide me with any information. This collection has been opened for one month and it states that it will be off next year. XXXX is refusing to take the collection off of my credit without a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me to multiple departments so I been getting the run around. Please help me resolve this matter. Thanks in advance for your consideration.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to delete the negative reporting of my Chapter XXXX public record. Transunion refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want Transunion and XXXX XXXX to be held accountable. The negative reporting from Transunion has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.
Product: Credit card or prepaid card

There are two separate incidents inXX/XX/XXXX where I found on my bank statements that target cleared my credit card payment by converting my check and then submitted the physical check to my bank. Two separate incidents occurred where Target used the same check twice. The same check was cleared for payment from my bank account as both a converted check and then a physical check. 
The dates of the incidents : XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a physical check. 

XX/XX/2021 check # XXXX written to Target for {$800.00} was reversed once to correct the double payment. 

Target was unaware that check # XXXX for my credit card payment had been cleared from my bank account twice. 

My Target credit card statement did NOT indicate the two payments deducted by Target using the same check # XXXX. The payment was only credited to my Target credit card balance once. I had to send Target proof of their mistake before the money was refunded. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a converted check. 

XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a physical check. 

XX/XX/2021 I called Target again to ask them to correct the clearing of my payment as a converted check and then as a physical check. 
I told them this was the second identical mistake in less than a year. 

I am concerned this same issue could go undetected by other Target credit card holders. 
At this point I am not certain if this mistake by Target is incompetent business practices or intentionally collecting money twice from their customers. I would like this situation investigated to stop this from happening to anyone again.
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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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: Credit card or prepaid card

Capital One credited a {$7600.00} check to my credit card account with a {$0.00} balance, resulting in a credit balance of {$7600.00} because they also decided to charge the {$29.00} annual fee against this check. Payment was made by mail from a title company on my behalf to my Capital One Line of Credit for {$7600.00}. The title company could not stop payment because the credit card division cashed the check incorrectly. The credit card department said the only other way to resolve the matter was to have the check mailed to me " after a waiting period and then up to 10 additional days for processing. " Both departments verified that the title company sent the statement with the correct account number and address. However, neither department had a method to resolve the mistake made by Capital One. The individual with the Capital One Line of Credit assured me the matter would be fixed when I called on day one. Three days later, the issue was not resolved, and no one had the courtesy to inform me that the transaction could not be corrected. The credit division could not transfer the funds to the correct division, nor could the funds be transferred to my bank account, nor could the funds expedited by wire transfer, XXXX XXXX or another carrier to my attention. So, in summary, Capital One made an error and refused to take responsibility by expediting the return of funds as presented for payment toward my Line of Credit. In addition, Capital One continues to charge interest on my Line of Credit while holding over {$7000.00} in an incorrect account in a credit card account with a {$0.00} balance. Upon calling the credit card to seek an update, a recorded message stated I would receive the return of the {$7600.00} in 60-90 days. It seems quite unreasonable that Capital One has no mechanism to correct a mistake made by the Credit Card division, nor can the Line of Credit division request return of funds sent to their attention. Finally, the credit card money has the ability to hold this large sum in a non interest bearing account.
Product: Credit reporting or other personal consumer reports

Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent upstart network inc and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else
Product: Mortgage

On XX/XX/XXXX, I filed a complaint with the CFPB, # XXXX, Specialized Loan Servicing, holder of my second mortgage. In the meantime, I finally found out what was happening. Below is the statement I wrote yesterday on their website when I submitted the electronic document for a hardship loan modification, and attached all the necessary supporting documents : As of XX/XX/XXXX the terms of my loan changed from an interest only to principal plus interest payment. I was only notified about this in XX/XX/XXXX, when it was already 3 months late, and by then was over {$2000.00}. The only way I came to know about this change was with a conference call between XXXX and SLS. Until then, I had called numerous times trying to find out why I had such a large bill, which is now {$2500.00} due XX/XX/XXXX, and was unable to get an answer. I was transferred and disconnected so many times that I finally wrote, and still received no answer - just another bill. If I had been notified in XX/XX/XXXX, I could have borrowed the {$500.00} and gotten a refinance. By the time I found out, I was n't eligible for a refinance, because your company was reporting me late twice in a 30-60 day period. ( By the way, thanks for that! ) I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I have contacted the CFPB, and will continue to do so until I can get the modification that I need. <P/>This is really unfortunate, not just for me, but for SLS, who would have received the total amount that I owed, around {$28000.00} in the month of XX/XX/XXXX. I was informed by the company doing the refinance that everything else was perfect ; the only thing that made the loan fall apart was SLS reporting me late. I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I wanted this to be on record with CFPB, and will continue to do so until I can get the modification that I need. Yesterday, I submitted the electronic form to SLS with all the corresponding documents needed in order to modify this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX  XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Vehicle loan or lease

Due to financial circumstances I was unable to continue my lease pymts. This was a 36 month lease and I made 24 of those payments. Bmw came to collect the vehicle and hit my credit report with a balance higher than the original lease amount. I only had XXXX in pymts left. The company refused to allow me to turn in the vehicle early since I was 90 days delinquent. This is unfair practices and my credit report should only include the remainder of lease pymts as amount due. They refuse to correct this.
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  Account # XXXX, has violated my rights. 
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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$18.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$14000.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$9300.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$460.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - BALANCE {$570.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, TransUnion and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.