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

Reporting of credit must be a neutral process, the fact that erroneous information that reflects FICO which financial institutions rely on. There are no delinquent accounts or late payments associated with me. My credit score dropped XXXX points overnight ( XXXX XXXX ) and XXXX XXXX lowered my score by XXXX points based on false data submitted by credit agencies. Based on my zip code I believe this is a form of systemic racism and inherent XXXX bias related to incorrect data. The good to excellent XXXXredit score is a gatekeeper to wealth, careers and housing. As a XXXX I have work very hard with integrity to ensure I maintain a minimum score of XXXX. To have it destroyed over false information is suppressive.
Product: Checking or savings account

Back in XX/XX/XXXX my account was hacked by someone ordering things from XXXX. They charged over {$1100.00} to my account causing my account to be in the negative. I told Chase bank about this fraudulent charges on my account and sent me to their fraud department. So Chase bank reimburse me back the {$1100.00} dollars and I asked them did I need to pay this back to them or does this belong to the bank. I was told by their representative that it was my money. Fast forward toXX/XX/XXXX I 'm charged back the {$1100.00} which caused me to be negative {$1100.00}. I 've called Chase and they informed me that wish .com put the money back in my account. So I asked Chase bank if Chase paid me and Chase fraud department handled the case then should n't they have got reimburse by XXXX XXXX? How did Chase deposit money that was owed to them into my account? So now they want me to pay off this negative balance that Chase bank wrongly messed up.
Product: Debt collection

I filed for Chapter XXXX bankruptcy and XXXX was aware of the debt. I disputed the amount owed and XXXX would not reduce the amount to the correct amount. 

I never received further communication nor did I receive any communications from Allied Collection agency to review the bill as well as dispute the amount. They posted the account open on XXXX XXXX 2015 yet never notified me. I only found out today because my score dropped almost XXXX points which was a XXXX credit score and now is a XXXX - ruining my credit and defaming my name.
Product: Credit card or prepaid card

Friday XX/XX/XXXX I was using my First Visa Bank Of America and I was told it's declined, Same my Second Visa Bank Of America Card, and than My Master Card Bank of America. I contact the Bank and I was told all three account were closed because I'm Risk Factor. I had my Credit card since XX/XX/XXXXand never even once I was late for payment and never had a balance because I paid my balance on line as soon I make a Purchase.
Product: Debt collection

On XX/XX/XXXX my debt was paid to Midland Credit Management. They advised once i paid my collection I would receive a release letter as a pay to delete and that it was my responsibility to call one of the Credit Beureus and advise that I paid my Commenity Petland account to Midland Credit. Ive done so both by phone call XX/XX/XXXX and by several disputes through XXXX and XXXX XXXX. My payment /rating still appears as Charged off and or changes to purchased by another lender I understand the standard 7 year rule but Again I was told to pay these guys and it has not been deleted or even updated on my Credit Report. I have submitted all documents to XXXX  and there are zero changes to my pay status on this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS ONE COMPANY NAME EARLY WARNING SERVICES WHO CHECKED XXXX XXXX RECORDS SHOWN OTHER BANKS THAT I OWE XXXX XXXX SOME MONEY AND BECAUSE OF SHOWING THAT NO BANK OPEN AN ACCOUNT FOR ME. BUT I DID N'T OWE ANY MONEY FROM XXXX XXXX I HAVE STATEMENT AND I SENT SOME DISPUTE LETTERS TO THIS EARLY WARNING BUT THIS COMPANY DID N'T DO ANYTHING.
IN DISPUTE LETTERS I WROTE THAT THEY ARE REPORTING INACCURATE INFORMATION SO I WANT TO DISPUTE THOSE BUT THEY DID N'T DISPUTE XXXX XXXX AND SHOWN THAT I OWE SO MUCH DEBT FROM XXXX XXXX. SO BECAUSE OF EARLY WARNING I AM UNABLE TO OPEN AN ACCOUNT WITH ANY BANK.
Product: Debt collection

XX/XX/XXXX called requested information on file, called XXXX  XXXX to see when where and who. Hospital said the information I was given went to some one elses medical record. Address name and birthdate. Called healthcare i was told they would look into it called XXXX  XXXX  again to see if anything at there hospital was in collections other than the account I already had with a different company ran a diffrent computer check whichs came up empty. This company as of XXXX has added them selves to my XXXX and was already on my XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I ordered some stuff off XXXX that never arived I went elsewhere to get it so I asked for my money back well it took them 2 weeks from the time I received the email saying XXXX issued the refund but paypal had no mention of it still trying to reach provider will email me with the decision then the money showed up along with my acount being locked up and for 3 days now I've called customer service and they say my funds are frozen for 180 days call the next day and then was told the can fix it it would take 1 hour and I can withdraw my funds well the hour never came so I called again to day and this time it's frozen 180 days I got upset with them then all the sudden he can fix it check my email it would take an hour and I'm sure you guessed it the clock passed 12 hours so I need some one to step In this is all cause somthing I had no control over its not much money but by me not having it when I needed it I'm in debt XXXX dollars cause paypal decided to steel my cash and it's not fair that they just do whatever they want and say you can't use paypal no more or have the funds that belong to you it's ours now and XXXX you and your bills let em stack up late fees
Product: Credit card

I am writing in reference to recent conversation with the company on XX/XX/XXXX. According to our calculations, there is a significant discrepancy in the amount of money we owe. I was told over the phone of a {$2.00} a day fee I knew nothing about. I never would have agreed to those terms. I have repeatedly requested a copy of the contract that outlines the terms and conditions of our agreement. To date, they have failed to provide any such documentation. 

In order for me to fulfill any payment obligation, a legally binding agreement must exist, clearly detailing the services to be rendered, the agreed-upon terms, and the associated costs. Without a copy of the signed contract, I have no basis to verify the legitimacy of their claim or assess whether the services provided align with the agreed terms. 

I believe this to be a predatory company who is taking advantage of consumers. They have continued to attempt to withdrawal from my bank despite the fact that I asked them not to. until this issue was resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got a notification that my credit score dropped XXXX points for an account I have no knowledge of. XXXXXXXX  XXXX This item does not belong to me. The account states that it was opened XX/XX/XXXX I have not seen any information regarding this account on my consumer report prior to today. I want this item removed because I never signed anything with this company and it's causing extreme damage to my overall creditworthiness. According to 15 USC 1681c ( a ) Block Except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Debt collection

I was contacted by a deceptive debt collector Weltman , Weinberg & Reis about a debt they had purchased from a XXXX. I disputed the debt and asked for validation but only received a summon and complaint of which I did answer. I never received a notice to appear in court, however I did receive a letter from the courts where a session was held on XXXX XXXX where the motion for their default judgement they were seeking were denied. This deceptive debt collector somehow got a default judgment on XXXX XXXX, XXXX without my knowledge. They went a step further and submitted to garnish my wages on from my employer without my knowledge. I immediately filed an objection to the garnishment and filed a motion to set aside the judgement because this debt collector has violated every rule put in place by the FDCPA. I have submitted a affidavit of fraud and a police report all of which they requested only to be sent a letter from Weltman , Weinberg & Reis stating that their client had completed it 's review and research and has found the account to be valid. I asked exactly when did the debt occur and was told by the attorney XXXX XXXX XXXX the debt was made on XXXX but when speaking with the CRA 's they have verified that the debt was made in XXXX, and the debt collector has only submitted statements dating back to XXXX of which I have found XXXX, XXXX XXXX XXXX has made several inquiries on my credit report. They have submitted statements to me that says this card had a {$5900.00} credit limit, but is stating that I owe {$8100.00}. It is clear that they bought this debt because the card had a balance over {$7000.00} with a 24.99 % APR and they have listed the minimum payment was only {$63.00}. I also received from Weltman, Weingberg & Reis a status report pursuant to service members civil relief act that states XXXX XXXX as of XXXX XXXX, XXXX. I have never been in the military and do not know why they would send me a copy of this. It is clear that they are trying to strong arm into owing this debt. They are taking over {$400.00} every two weeks from my pay for a debt that was disputed, and a debt that they have not provided proof of anything bearing my signature only statements that they are trying to pass off as an agreement. This has been done deliberately and intentional because after asking for a affidavit of fraud and a police report they still came back to say the debt is mine. This debt collector has not a shred of conscience, because what part of identity theft do they not get, and what more can a person do when a police report is filed and a fraud affidavit is given which is why the acts that they are doing is deliberate.
Product: Credit reporting or other personal consumer reports

To whom this letter may concern I need to update my information because its inaccurate
Product: Credit reporting or other personal consumer reports

I closed on the loan with XXXXXXXX XXXX The tax division of XXXX overpaid 2024 property taxes. The taxes owed were {$3000.00}. XXXX paid {$7400.00}. They attempted to raise my mortgage. I contracted the tax division of XXXX XXXX in XXXX to understand the discrepancy. They agreed there was a discrepancy. The tax division said they needed to make a formal request for a refund from XXXX XXXX. I was told at that time to continue paying the lower monthly mortgage amount and that the tax division would secure the refund. Then XXXX reported on my credit report that I was delinquent in my payment therefore lowering my credit score. I contacted XXXX and asked where the refund was and why they reported my payments being late after being told to continue paying the lower amount. They admitted they had never made a request to XXXX XXXX for the refund. I also reached out to XXXX XXXX and they too said no request had been made by XXXX for a refund. Now my credit is being impacted because of XXXX 's failure to pay my property taxes correctly and again by not requesting the refund as they committed to do. We have documentation to show all of this.
Product: Checking or savings account

On XX/XX/2019 I saw a check for {$10.00} on my statement which I did not recall writing ; so, I called Discover Bank and the representative said he was going to close the account because there was suspected fraud. He did not even check to see that it was an automatic withdrawal, not a check. That is why I could not pull up the image. He closed the account without my permission causing an automatic payment to Discover credit card to be returned because the account had been closed in error.

I have made repeated attempts to get the bank to admit its error because Discover credit card reported me delinquent to the credit bureaus. Neither of them were agreeable to correcting my credit report which was lowered because of the delinquency.

I had adequate funds and overdraft protection on the new account also. Both accounts are Discover ; so, all Discover Bank needed to do was to change the account number and pay the bill.
Product: Credit card

a user on XXXX was offering services, such as classes to teach others about information pertaining to finances, as this user neglected their page, they continued to charge for thing 's, they themselves didnt produce ; it came to my attention in the last 2 days as of XX/XX/year>, I attempted to seek a refund through XXXX, as they were the third party involved in processing these transactions, and they refuse to refund this money, even though evidence was provided that the user had scammed not only me, but multiple people, totaling in over XXXX XXXX dollars worth of revenue off the backs of the unsuspecting, and overly trusting people that paid for her " services ''. 

XXXX on XXXX if you need refrence.
Product: Debt collection

Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX And Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquiries from my Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2020 I signed an agreement for a vehicle loan. Disbursement amount was {$55000.00}. I have been paying this loan until this month when I reached out to the Financial Pacific Leasing to get a payoff amount. I was sent a paperwork stating that I owe {$56000.00}. So, {$1000.00} over the amount that was lent to me 20 months ago. I have never missed a payment since it's auto debited. I reached out to the broker and the finance company requesting an explanation to this matter but they will not give me any information whatsoever. No disclosures were given to the rate or whatsoever. I have attached the initial contract and payoff letter. The broker that took my application and provided the paperwork is XXXX at XXXX XXXX. The financing bank is XXXX XXXX XXXX out of Washington XXXX Please help! 

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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : Three ( 3 ) accounts in good standing for 20 years in which I am an authorized user have been removed negatively impacting my score. 

Reporting Agency : Equifax Creditors : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, communication was initiated because the XXXX XXXX credit card was reporting incorrectly. As a result, the debtor was removed from the report when I asked for a correction. 

XXXX card was reporting incorrectly. As a result, I called XX/XX/XXXX to have issue resolved. It too has been removed. 

XXXX XXXX is also reporting incorrectly. I'm hesitant to ask for a correction due to the history of removals in good standing.
Product: Credit reporting or other personal consumer reports

Dear SBNASELFLNDR, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that SBNASELFLNDR immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that SBNASELFLNDR will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I've lost my income due to coronavirus pandemic and have been calling all of my creditors to try and work something out as well as let them know my circumstances. Every one of  the creditors has had some help to offer so I can avoid affecting my credit score, but One.  Home Depot credit card customer service insisted I make my minimum payment and told me they had nothing set up for Covid-19 loss income relief. I currently have {$510.00} in my bank account with no way of knowing how I will make any money in the near future. Every single creditor should be willing to work with all customers in my situation. Shelter-in-place forced me not to work. What am I suppose to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an incorrect account status remarks from XXXX XXXX. 
XXXX XXXX should be reporting the following account status remarks " Closed by credit Grantor '' TransUnion is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my TransUnion Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from XXXX XXXX.