23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Apex collection report showed up on my report magically without any warning this year. I need this false report removed immediately! I have been sending in a report every week and will continue to do so because I feel this is criminal activity and they should be fined at the very least or do jail time. I need something done about both Apex slanderous accusations or I will be hiring an attorney. This is most definitely criminal activity and needs to be resolved quickly. No one in my family has ever in thier life been to a neurologist. No one from any hospotail has ever contacted me regarding any {$15.00} balance owed for anything or else I would have asked for paperwork. Why did both of these {$15.00} charges just show up a couple of months ago when I supposedly owed it from 5 years ago? Remove it now!
Product: Bank account or service

I have used Scottrade for 3 years, 2 times. The first, I should of learned my lesson. Some of the branch reps, are highly rude, talk down, when they in fact make errors and due to technical issues, I lost XXXX on the XXXX. I placed a buy pre-market and has been done plenty of times. After XXXX am Eastern time to XXXX, I could not switch from extended to regular to sell my shares while all else worked fine. I called the branch and was told, " Well what do you want from me? '' Unreal! I told him what happened and he offered one free trade which when after I decided to leave later and said I may come back later, it was removed from my account. Then when I went down to do an in-person wire transfer, another rep messed up in detail after reviewing all information and got double-charged {$50.00}! That is just a small part of what service I received. 

You get what you paid for and will NEVER return, and they SEC, XXXX should look into Scottrade. I have heard so many real stories and i am no sore loser if I lose money. But they have countless technical issues, horrible customer relations and attitude changes dramatic when I turned down a rep from a branch for assistance for a Broker to handle my money. My advice, get out and use XXXX, XXXX, XXXX XXXX, XXXX or any other. Trust me and do not say you were not warned!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}
Product: Credit card or prepaid card

I have a Macy 's credit card and I paid my outstanding balance on XX/XX/18 using my XXXX checking account, however, they keep charging me for original amount+past due because on their end they can not locate my payment. They called me multiple times regarding this issue and said that I did not pay my balance. After several conversations, I was able to talk with a XXXX and faxed my bank statement showing the full amount payment. In spite of all these actions, they refused that I made a payment.
Product: Credit reporting

Experian has several lines that are incorrect. Several Educational loans that have been sent back to the XXXX where I have been in a rehabilitation program. Experian has most of my negative accounts still opened and in a past due status. Making my credit score XXXX plus below other credit agencies. I was denied an apartment based on their info. They also have accounts on my report that were reported well over 7 and ten years ago listed recently and wo n't come off until 2018 that should be off already since those account were already sent to collections. So they have false reporting info. XXXX XXXX to mention. They keep starting the 7 years over and over on numerous accounts. There are accounts that are duplicate with different account numbers. XXXX card that they have as recent is well over 10 years ago. Student loans that are in past due status that were sent to XXXX that they still have for another collection agency that rehab has been completed on. Also for accounts that are in good standing they have the actual pay dates although the creditor has pays well and ok. They list every item and pay date which is very subjective ; allows the new creditor to think slow pay..when the account is paid well. Have other people that I may have been affiliated with in the pass never married to XXXX ( XXXX ) not in my life should not be on my credit. XXXX XXXX account should be off ; reporting false information. Have more judgments than I actually have. Fair Collections and outsourcing I have disputed because they can not validate the info and where my deposit went. They keep it on the file. To have every account still opened and they are closed drops my credit score. So there is a lot of miss info. If you all XXXX Experian complaints.. there are tens of thousands complaints. My sister has a XXXX and XXXX with other agencies and great credit Experian has her at XXXX. With false info being reported. The accounts should not be in past due status ; they should be in the status they truly are. I have disputed some of these not all as of yet. They are not pleasant to deal with when you call them. I truly feel they work with the creditors to keep people 's credit bad. Take a closer look at Experian please they are making my life difficult and maybe homeless soon. Also XXXX XXXX Bank credit card I paid off. Good standing closed it on my account when my life was on track before losing my job. They have another card with no reported data ( since I closed the previous account ) and have it in a bad status for an account I never had. They have no data but still have it on my report. Fix this please.
Product: Payday loan, title loan, personal loan, or advance loan

I attempted multiple times to negotiate my balance with this company and they refused to work with me. NOT ONLY that they BUT THEY DOUBLED the amount due on the loan claiming it was their company police and protocol due to the intrest not sure how you go from a {$6000.00} loan to {$12000.00} it ridiculous. 
This company is not acting in the good faith of the hard working American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX  XXXX XX/XX/XXXX INQUIRY Us Small Bus AdministrationXXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW COMPLAINT*** NOTE : This is my 3rd submission with Experian . I have previously replied with ALL Documentation confirming my identity while the company is refusing to acknowledge and review submitted documentation and complaint. 

Description : Problems with my credit report due to unverified misleading inaccurate information.
Product: Debt collection

I received a letter in the mail from GC Services Limited Partnership stating that I owe {$210.00} for student and loans so I called because I had an offset on my tax return for a smaller amount. When I called she said they had not received any money for this account and that my payment was still {$210.00}. I got another letter in the mail from the department of treasury saying that the amount of the offset WAS applied to my student loan account. I feel like they are trying to collect money that I do not owe or they are trying to collect more than I owe. She offered to let me pay {$170.00} today to out my account in good standing. I would like something to be done so that someone else doesn't have the same thing happen to them and not loose money that they don't owe.
Product: Vehicle loan or lease

Hello On XXXX I requested a refund from Ford Credit on a payment that was automated from my checking account.Ford Credit said they made a electronic payment refund. According to my bank statements there is no return. My bank gave Ford Credit a trace number that shows they took the money out my checking account. I have made several calls over the last 3 months. I have sent documents with the trace number. but yet they can't find them. I have been getting the run around. I request a refund or put the money towards my account. The money is XXXX my monthly car loan.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Professional Debt Mediation for debt validation. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the professional Debt Mediation. I provided a four page validation letter package for the company to complete but they never responded.
Product: Credit reporting or other personal consumer reports

Tonight, I was completely taken aback to see inaccurate accounts listed on my credit report, without any explanation. Ive always checked my report and had no issues before, but suddenly, there were errors that I cant understand. I refreshed my browser, hoping it was a temporary glitch, but it didnt resolve the problemthe incorrect accounts remained. Im asking for a detailed review of my documents to prevent this from happening again and to put my mind at ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account with XXXX was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. XXXX continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported 150days past due, 18 times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. XXXX granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted XXXX  and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and XXXX continues to insist that the information being reported is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from  XXXX   XXXX   XXXX  which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting 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. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have fraudulent hard inquiries in my credit report. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND TRANSUNION XXXX XXXXXXXX XXXX XXXX with account XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX 2XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit card

On or about XXXX 2015, I was going through a divorce and had to change my bank account on my automatic payment service on my Capital One credit card. I changed the bank account number and am positive that once I changed the account number that I re enrolled in the automatic payment to deduct the minimum payment due for each month. Two months later, I receive a call from Capital One saying that I have been 60 days late on my payment. I was shocked as I know that I set up automatic payments with Capital One, as I do with all of my credit cards. The representative said that my automatic payment was not enrolled. 

Fast forward to this month, I am applying for a mortgage for a new home. My lender says that there is derogatory items on my report. XXXX late payments totaling in a 60 day late on my credit report on XXXX and XXXX 2015 from Capital One. 

I called Capital One and explained the situation but they are telling me that the information is accurate and they are obligated to report to the Credit Reporting Agencies ( XXXX ). 

Because of Capital One 's negligence or glitch in their system my credit score has dropped significantly and now am unable to get an excellent mortgage rate to purchase my new home. 

I 've never missed a late payment with any of my credit cards. 

This is a mistake on Capital One 's part and I should not have to be inconvenienced by their mistake or glitch in their system, as I DID re enroll in the automatic payment thru their website. I 've had credit cards and car loans through Capital One and for them to not rectify this problem is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
2 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
4 ) XXXX. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 5 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00}. 


1 ) XXXX of XXXX # : XXXX This account has been resolved as of XXXX XXXX with a payment arrangement and consolidated into XXXX account # : XXXX and this information should not be in collection file and deleted immediately from my credit file. 
2 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
3 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
4 ) XXXX. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
5 ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as Agreed.
6 ) All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

Yours truly, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME/NUMBER : WESTLAKE FINXXXX XXXX XXXX {$31000.00} Dear TO WHOM IT MAY CONCERN, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a bunch of documents from the attorney XXXX XXXX XXXX XXXXXXXX XXXX  ) representing Midland Credit Management , Inc with Account Summary and Payment Information. Midland Credit Management did not provide me, the consumer, with a Statement of Account. The attorney only provide an Account Summary from XXXX XXXX. I believe that the account is over 6 years old and the attorney is trying to collect payment after the State of Arizona Statute of Limitation.