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

I bought a car from XXXXl XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX  XXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.
Product: Mortgage

I just completed a 5 year bankruptcy with M & T Bank. It has been a complete and utter nightmare! Though my payments have not always been on time, they are being made. Since XXXX i have been having trouble with the bankruptcy department giving me correct information and breakdown. I always asked before paying my payment which month it is being added to because i know it is a recorded line and the next time i would call funds would be applied to a separate month and i would have to file a complaint and they would look into it and of course i would end up paying extra money. Now, i have been keeping records and in XXXX they sent me a breakdown of what was owed and i sent a check. Every month i would have to send a check via UPS ( as per their request because they would not let me make payments over the phone ) since it was the end of my bankruptcy and my account was in " suspense '' i kept track of every check in 2020 and in XXXX i sent two checks one for XXXX one for XXXX. M & T Bank held one of the checks in suspense and when i asked for the funds to be applied in XXXX & XXXX, finally in XXXX they applied the funds to XXXX. Now they are claiming i owe for two months and i filed a complaint with back-up documentation including a breakdown that was sent from their lawyer to my lawyer and the representative is still arguing with me telling me im incorrect. I have made monthly payments, lawyer payments, suspense payments and i should be due for my XXXX mortgage payment. I have attached all of the recent payments made and the breakdown sent to my lawyer from M & T bank. I am petrified they are actively trying to foreclose on my home! Please help. i can answer any and all questions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it.
Product: Debt collection

I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay my debts on time. I paid my Macys card in full and put the card away. I went on vacation and returned and found that there was an unpaid XXXX  dollars of which is not a credit debt  but a FEE they charged for their card not upfront as disclosed but almost four months into the card issue. Reporting it as credit debt not paid is incorrect. It was an after the fact, fee not disclosed when I opened the card in the store with the salesperson. It was my understanding that when I paid my amount in full  that fee was PART of the extended credit debt. It was underhanded and has caused me no amount of frustration as the only negative on my credit report. I have tried to dispute this issue since it occurred and have received no relief. I want this removed from all three of my credit reports.
 
XXXX/XXXX   #XXXX****
XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX 
Date Opened:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Revolving Account
Loan Type:	CHARGE ACCOUNT
Date Updated:XX/XX/XXXXPayment Received:$XXXXLast Payment Made:XX/XX/XXXX	Pay Status:Current; Paid or Paying as AgreedTerms:Paid MonthlyDate Closed:XX/XX/XXXXDate Paid:XX/XX/XXXX
>Maximum Delinquency of 60 days in XX/XX/XXXX for $XXXX<
High Balance: 
High balance of $XXXX from XX/XX/XXXX toXX/XX/XXXX $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXX toXX/XX/XXXX
Credit Limit: 
Credit limit of $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX fromXX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXXto XX/XX/XXXX
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) yet they have placed a collection on my consumer report recently. 
I have reached out and made several attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Debt collection

I spoke to a representative at Midland credit agency and he told me I had three accounts that he was trying to collect the debt on from XXXX XXXX XXXX I never signed any contracts with Midland credit management or XXXX XXXX XXXX I told them that my identity was stolen in XXXX due to the XXXX data breach and I have no knowledge of these accounts. These accounts are still on my credit as negative charge off accounts charge off accounts is considered income by the IRS because the debt was forgiven by the debtor you can not report income on a credit report.they can not furnish a wet signed document with my signature on it I spoke with them on XX/XX/XXXX. These accounts are inaccurate and not mines I filed a identity theft report with the FTC my report number is FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I paid {$44.00} to the collection company XXXX XXXX for XXXX XXXX ). It was only reported to one of the credit bureaus. Its now XX/XX/2023. I have contacted them through emails, over and over asking them to report to other credit bureaus to show its been paid. No one has reported anything. They dont read emails that Ive sent to them. I just received a response to my email this afternoon and it says this account has been paid and that they are no longer managing this account and to contact XXXX XXXX Ive contacted XXXX XXXX months ago and they told me I need to contact the Collection agency. Back and forth, back and forth. Im trying to clean up my credit reports and its completely wasting my time going back and forth and it still doesnt get resolved. Im hoping to get this fixed. I have several emails showing the times Ive contacted them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion regarding inaccurate information on my credit report. However, to this date, they have not responded to my request. Therefore, I am submitting this request to the Consumer Financial Protection Bureau ( CFPB ) to request your assistance in correcting the following errors on my credit report : The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). Please correct this inaccurate information on my credit report.
Product: Debt collection

Portfolio Recovery Associates agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from XXXX XXXX XXXX  in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but Portfolio Recovery Associates left a balance of {$1300.00} on my credit report. It appears that Portfolio Recovery Associates is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a Portfolio Recovery Associates representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The Portfolio Recovery Associates representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that Portfolio Recovery Associates is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that Portfolio Recovery Associates is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that Portfolio Recovery Associates is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX Equifax On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

1. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once. 

2. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 

XXXX. FDCPA XXXX XXXX XXXX XXXX XXXX XXXX. 
CAP XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once.

4. FDCPA Section 807 Violation Misleading False Reporting.

Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once.

5. FDCPA Section 807 Violation Misleading False Reporting.

XXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 
6. FDCPA Section 807 Violation Misleading False Reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX Inqury This Account is in Violation and I'm seeking litigation please delete at once. 




Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Been paying this company  2 payments every 2  weeks. They was only surposed to get 1 payment a month but taking out 2 every 2 w eeks. On   XX/XX/XXXX he y took out {$450.00} and they {$390.00} on the same da y. CNUSA has  put a lot of inturst on it at 29.999 %. I ca n't pay my regarler bills because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to file a formal complaint to EXPERIAN regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. 

I respectfully request an immediate investigation into these unauthorized inquiries and that the EXPERIAN will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Credit reporting

There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.
Product: Credit reporting or other personal consumer reports

Until a few weeks ago I was able to access my Transunion credit report online. Currently I am unable to access and a message says I can not. Multiple calls to Transunion resulted in speaking with customer service, a manager and someone in tech support. I was advised it is flagged to NO for online access.

I was advised today that the software makes the decision as to online access. I know that HUMANS program software and asked how the NO can become a YES for online access to the report. I was advised the software may change it in the future. I advised this is an unacceptable answer. I advised I would report to CFPB. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2015 with Discover Financial Services. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Discover Financial Services has taken federal reserve notes since XX/XX/2015 from I, the consumer. Discover Financial Services, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Discover Financial Services have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit card or prepaid card

I called American Express on XX/XX/ to report an issue where an elderly XXXX patient accidentally used the points on my card to purchase something. The purchase has been canceled but I never got the points back. The agent proceeds to act like a complete XXXX and cancel all of my credit cards even though I told him they werent compromised and the issue only affected one card. They told me I could call a different line and get temporary numbers emailed to me. I called the other line they told me they couldnt do anything and I was screwed to go get a credit card with another company to use until my new ones come in. And kept telling me how this was for my own good and theyre doing me such a favor and giving me a ton of benefit. I also found out she was lying and i could get the numbers emailed to me online. Then on the morning of XXXX I logged into my Amex account to check when the new cards would be arriving and to get my numbers. I tried to login again 30 minutes later with the exact known working password which probably due to a server issue said it was incorrect and locked my account. I called customer support who told me they couldnt unlock my account until I got my new physical cards. So I cant even login to pay my bill or activate the new cards. American Express customer service has gone out of there way to XXXX me multiple times this year. They purposely go out of there way to make things difficult on customers and act like XXXX during the entire process. Theyve basically locked me out of using every card I pay an annual fee for.
Product: Debt collection

I checked my credit report and out of no where a derogatory remark was from Transworld System I. This was debt apparently owed from an old apartment complex 6 years ago or more. I contacted the debt collection agency and the agency was unable to provide anything specific and did not have any of my personal information on file other than what was reported to them. I contacted this company in XXXX 2020 requested the original debt owners provide documentation to confirm the debt. Since I have called four times, faxed in a 609 and I still dont have anything! I just called them today XX/XX/2020 at XXXX XXXX  and they wouldnt give me any specific time I would receive a notice. I was not notified by the original debtor. I am also trying to buy a house. This is a terrible inconvenience and all my attempts to have my legal needs meet has failed. This company does not seem legit either. Nothing online. Just there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate or reinvestigate the inaccuracies of XXXX XXXX XXXX XXXX # XXXX. Even though documents that was submitted from each XXXX of the XXXX 's that shows the inaccuracies from all three. The inaccuracies from Experian total XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Experian violated the law by not removing said file knowing it inaccuracies not following the word of 15 USC 1681a : 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. None of the bureaus have shown any letters or video from people who know me. 15 USC 1681i Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 USC 1681n : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court