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

My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act.

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Multiple charges were made on two different credit cards i have. These charged were in the amount from 1k, 2k and 4k from unrecognized merchant in XXXX. Clearly fraud! 

My position is clear i didn't approve these charges as these are fraud. 

I have contacted Citi Bank in multiple occasion and they haven't been able to solve the issue nor provided evidence supporting their position.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. 

What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. 

This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. 

The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. 

My credit score has a result been bouncing up and down from good to fair or worse.

e.g. Last month my credit score went from a XXXX to XXXX ( 90 point drop ). 

Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. 

The name of the collection agency currently showing this item is XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. 
Midland Credit - address?
Product: Payday loan, title loan, personal loan, or advance loan

I pawned my title in XXXX of XXXX and at the time the title was on my mothers name. I was told by XXXX XXXX employee who processed the loan ) that they could complete the loan and I could switch everything over at the tag office. I was told that the fees along with the {$18.00} title fee would be reimbursed and that I would receive a {$50.00} gift card. I completed the transfer at the tag office and paid {$550.00}. I returned back to title max the next day to complete the process and my title pawn was completed. However, I was then told that I would not be reimbursed for the fees to transfer the title and that I would only be receiving the {$18.00}. I opted to receive my money on a prepaid debit card and was told after being there for over an over that due to technical difficulties that I had to have it deposited into my checking account. I agreed and noticed that it didnt include the {$18.00}. Also, as we were finalizing everything I mentioned the gift card that was promised and XXXX mentioned this to the manager that was present, named Rashad. He reluctantly went into the file cabinet to get the gift card and said that he would be giving me the gift card to cover the {$18.00}. I let him know that they owed me the {$18.00} and that I was promised the gift card for completing my title pawn. When I wouldnt agree he place me the card back in the file cabinet and I let him know I would contact corporate. A few days later, I in fact contacted corporate and the regional manager contacted me and apologized and said I would be receiving a check in the mail. After a few weeks I contacted that same manager and inquired about the check and informed him that I lived less than 5 miles from the store, so I shouldve received the check a while back. He ignored me and left me on read. To date I have never been reimbursed and have filed a compliant with the attorney general and have also filed a civil suit. After filing a complaint, title max has only decided to respond with an extended summation of events, which none address the Initial Complaint. Now as of XX/XX/XXXX they are illegally locking my account in retaliation to prevent me from paying off the loan so that they can continue to collect fees and interact illegally with hopes of stealing my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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, credit repair services, or other personal consumer reports

The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my Experian credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within XXXX hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Capital One closed my longstanding credit card account on XX/XX/XXXX due to inactivity in the past 5 years. They claim to have sent a single notice in XX/XX/XXXX, which I do not have a record of receiving. I called their credit card support line on XX/XX/XXXX and their credit account specialist was not able to restore my account or create another account under the same terms as the closed account.

This has damaged my credit score by reducing my available credit and put future credit application in jeopardy.
Product: Credit reporting or other personal consumer reports

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check t u r n e d into a n i g h t m a r e of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stolen trust. Finally a c c o u n t s w e r e r e m o v e d e x c e p t this O n e in particular XXXX XXXX XXXX, in the amount of XXXX XXXX  Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX Account Number : XXXX. Amount : XXXX
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. 

I told Experian to reinvestigate these accounts : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX  Account Number : XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I was trying to buy something by XXXX  on XXXX and there is a lady want deposit or {$50.00} to be sent to her daughters PayPal account and she gave me the following information XXXX XXXX XXXX She insists that I put the money under Family and friend so that she will get the money without any dispute in the future. 
I submitted case by PayPal, but I did not hear back. 

I want to report this lady. Once we finish the transfer, I found that the name on the PayPal is. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information all of my credit files that is inaccurate. 

Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing 2 different dates. 

My XXXX credit file is showing XX/XX/year> as the date the account was opened. EXPERIAN is showing that my account was opened on XX/XX/year> and XXXX is showing that my account was opened on XX/XX/year>. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies being reported on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due their job and facilitate this issue so I can regain my financial freedom. 

I NEVER gave my consent verbally or in written form, for my PERSONAL INFORMATION to be reported to ANY Credit Bureau.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized hard inquiries on my TransUnion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Hello! I have had a loan with Navient ( formerly Sallie Mae ) for XXXX years now. My interest rate is nearly at 10 %, which is absolutely unfathomable in a market where the average rates are 3-4 %. I have been told multiple times ( including most recently on XX/XX/21 at around XXXX ) that there is no room for negotiation or refinancing, but this seems like an inaccurate and positively unfair response. Please help!!! It seems like they are purposefully preventing me from getting ahead.
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 information, accounts 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 accounts or information which is found to be opened due to identity theft. The dispute accounts 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 accounts ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I have been a customer of TD bank for almost a year now. I have been withholding my comments for some time now. However, it seems that their overdraft practices border on predatory. I used to work in the banking industry and I recall how most banks handle their deposits. Usually, the bank processes the deposits first before processing the debits, no matter what time the transaction occurred, as long as it was the same day. This is not the case with TD Bank. They process the transactions at the time they occurred and let 's say I were to make a deposit after I noticed a charge was over drafting my account, they process it last so they can charge me an overdraft fee. I am very disappointed and I think with a little digging you will find that their overdraft policy violates some consumer protection laws. This weekend I received 4 overdraft fees, two of which were for transactions under {$1.00}. The amount was in my savings and I had earlier signed up for overdraft protection. Not only did they not take the money from my savings, they stated that I never had it. At the time of the trasanctions I had the funds, however, they charged me a {$15.00} " service '' charge and dated it for the 11th. The charge showed up this morning. That charge caused 3 overdrafts.
Product: Credit reporting or other personal consumer reports

Absolute Resolution Investments, LLC is a debt collector that has fraudently obtain my credit information with my written consent and is inaccurately reporting on my credit report as if I had did business with them. This account is not validated and XXXX had deleted this from my credit report and yet XXXX and XXXX is still reporting this deleted account ( XXXX ) inaccurately. This inaccuracy is in violation of my consumer rights, FCRA Laws and FTC regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. 
XXXX XXXX XXXX
Product: Mortgage

Hello, I was previous approved for a modification. I received three modification packages and returned all three. I even called asking why am I receiving three different packages. I was told their numbers where wrong. I received a letter today stating the package was denied because I did not rerun package. I returned all the packages.
Product: Mortgage

I am filing this complaint against my mortgage company Nation Star located in XXXX TX. I have a adjustable rate mortgage. I purchase this home in XXXX 2007 the first mortgage company it nation star after about 6 mos after we sign the paper my daughter XXXX is the primary on the loan but does not live here she only help me out at that time because of her credit status was good and my was between fair and poor but my rate is XXXX at that time and it still is the rate never drop. I have been trying to get this mortgage out of her name and place in my name only so she can purchase her own home one day. I have paid this mortgage by my self since then which is XXXX. I have try to get a modified loan from them but can not I did all of the paperwork and fax everything on time by the time it got to the last part of the process they said I was missing some paperwork mine you through this process I have fax and talk to a lot of different people at nation star but was declined because they said I did not get it them on time I have every piece of paper that was done and fax to them. I was also told by one the representative to go and put the taxes in my name and they would be able to take XXXX name off of the mortgage but they did not. I have brought my credit score up and have try to get it refinance they last company said they could but once they found out it was a conventional mortgage they said it was nothing they could do was told to contact consumer financial protection bureau. To see if you could find out if this loan is a pertgetory loan
Product: Payday loan, title loan, or personal loan

Lending Club posted payment, and has lost cash payment.