23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company has reported the account to consumer reporting agencies without sending notice allowing me to validate the debt. The company is also attempting to collect a time-barred debt in accordance with state law. A copy of this complaint and all documentation supporting the facts will be sent to the State Attorney General 's Office and the Federal Trade Commission as a result of the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX XXXX with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use Experian and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX XXXX based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.
Product: Debt collection

This company had been posting account that was fraudulent put in my name without my consent.. I will like for this company to remove this off my credit report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( XXXX ) XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The Date Opened differs : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates the FCRAs requirement for accuracy and consistency in reporting. 
XXXX. Disputed Account XXXX : XXXX : Account information disputed by consumer, meets FCRA requirements. 
XXXX : Customer disputed account - reported by subscriber. 
These comments are inconsistent and may mislead creditors about the resolution status of the dispute. 
XXXX. Outdated or Improper Reporting : The Date Last Active for XXXX is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX. If no activity occurred since XXXX, the account may no longer be eligible for reporting under FCRA guidelines, as negative information ( e.g., collections ) must be removed after XXXX years from the date of first delinquency. 
XXXX. No Payment History Provided : There is no clear payment history or supporting data to indicate when the account became delinquent or how it reached Collection/Chargeoff status. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in the Date Opened and inconsistent dispute comments violate this standard. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative information such as collections must not be reported after XXXX years from the date of first delinquency. If the accounts delinquency began in XXXX, it may be close to or past the allowable reporting period. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If the dispute was filed but the status remains inconsistent or inaccurate, this indicates a failure to properly investigate the dispute. 
XXXX. XXXX5 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX XXXX may be providing outdated or misleading information to the credit bureaus, especially regarding the accounts disputed and derogatory status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account thats reporting on my credit report. The agency said they have deleted the account but XXXX  and TransUnion refuses to remove the collection account off my credit report. That is a violation and needs to be investigated. I have proof that the agency deleted the account. XXXX   removed the account but TransUnion says they wont remove it but it is a valid account. XXXX  said the same thing even though the agency deleted it so it shouldnt be reporting.
Product: Credit card or prepaid card

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Reached out to XXXX XXXX  DBA XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and  inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.
Product: Credit card

On XX/XX/XXXX, I received two email notifications from my banking institution regarding suspicious activity that had occurred with my debit card. One charge was for {$300.00} to XXXXXXXX XXXX and the other charge was for {$230.00} to XXXX XXXX XXXX. I was out of the country from XX/XX/XXXX through XX/XX/XXXX. I also set Travel Notifications with my banking institution informing of my out of the country travel and that the card that was compromised was with me. Because of the amount of both of the fraudulent charges, my account was left with a negative balance. Provisional credits were placed on my account for both fraudulent charges, however on XX/XX/XXXX, I received two notifications from my banking institution stating that the credits were going to be reversed on XX/XX/XXXX because they couldn't find any proof of fraud. I have been sending proof and speaking with representatives pleading for them not to take money from my account on XX/XX/XXXX for charges I didn't make. I NEED MY MONEY FOR BILLS AT THE END OF THIS MONTH. One of the receipts read that valid ID must be presented along with ticket to enter the park. My ID was with me out of the country! Additionally, although the culprits have my contact information and the card they used, the email address listed on the receipts does not belong to me. Also, one of the receipts list an IP address and the internet provider in which I am not associated with. My name is listed as guest visiting both parks. No way! I was out of the county and did not consent to anyone using my debit card. I am reporting this in hopes that your organization can help block money being deducted from my account at the end of this month. I have lots of documentation I am willing to provide. Please HELP! Also, the compromised card is no longer active. It was shredded at my institution and a new card issued.
Product: Vehicle loan or lease

We sold our vehicle, XXXX XXXX, back to the dealership for {$27000.00}. The dealership then sent the check to Ally. The pay off we were given by Ally was for just over {$26000.00}. We received a check back about a month later in the mail from Ally for only {$90.00}. I called Ally and asked why we only received {$90.00} back, to which the person I spoke with told me " he couldn't tell me, he would have to get his XXXX involved to request the breakdown invoice of why we didn't get more money back. '' He said I would get this back by mail in a couple weeks, as it take them 5 days to process it, then XXXX to send it in the mail. I have not received anything back from Ally regarding the breakdown of the fees and why we only got {$90.00} back, when it should have been much more.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX XXXX XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX PRE XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PRE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARDS opened at XXXXXXXX XXXX XXXX$850.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that XXXX  collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

The following are hard inquiries placed on my credit report without my knowledge or permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been reporting lates on my XXXX XXXX in XX/XX/2019 for quite some time now. However all of my XXXX  XXXX accounts were in deferment at this time. Other bureaus have already removed the lates but TransUnion refuses to do so. I have attached proof below that these accounts were in deferment and that the lates should be removed.
Product: Checking or savings account

Hi, I had a checking account with XXXX a few years ago. XXXX sold the retailed bank business to Citizens Bank in XX/XX/XXXX and therefore the account was transferred to Citizens Bank. I forgot this account and had never received bank statements related to the transactions of this account from Citizens Bank until I revealed in XX/XX/XXXX. I called to their banking center to check for the balance and asked them to mail me the bank statement onwards. They mailed the first bank statement to me in XX/XX/XXXX and I realized they charged {$12.00} for the month ( {$9.00} maintenance fee and {$3.00} service charge ). I registered with the XXXX XXXX of Citizens bank and I realized they charged similar charges every month since XX/XX/XXXX ( total {$250.00} from XX/XX/XXXX to XX/XX/XXXX ). 

I called to Citizens Bank on XX/XX/XXXX for the refund of all these charges as I had never received notice from Citizens Bank regarding these charges or authorized them to take these charges from my bank account, Citizens Bank refused to refund the full amount ( {$250.00} ) but agreed to refund for XXXX charges ( i.e., {$38.00} ). We took the refund but verbally disagreed with their practice and notified them we would file a claim to CFPB.
Product: Payday loan

on XXXX XXXX XXXX i filed an application online for a loan with big picture loans. I was unaware that i would be paying {$4100.00} for a {$700.00} loan. Big Picture Loans called me and explained my payments would be XXXX every two weeks and to pay off loan it would be {$870.00}. It was implied that i could pay off the loan early and the total cost would be XXXX but was never made clear that the payments were interest only. i was never provided documents prior to accepting the loan to review, only the loan application. after accepting the loan, i became aware of the amount i would be paying in interest for the loan after i acepted it and the funds were dispursed. the rep on the phone was not clear on all details. He did not disclose any of the fees that i read about in the loan docs. I notices a XXXX dollar a week fee if i dont let them take the payment. If was made clearly aware of all these fees and stipulations and total final cost of the loan with details of the exact amount interest would be paid for loan if taken to term, i would not have accepted this offer. This is illegal. The rep was also pushy and speedy. he was rushing me through the process, i believe so i was n't completely aware of all the details. I have done research on the company and found out im not alone. This company has been doing this to many people. this company needs to be closed down it seems like they keep changing their name to avoid repercussion. not only am i asking for help in this matter, I want to know if its possible to bring charges against the company. How do i go about getting this loan dissolved without hurting my credit. they lied to me and illegally and intentionally did not disclose the whole details. in XXXX the ftc act passed a law so that these kind of companies can not use the tribal laws to take advantage of consumers. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home and paid off my loan in full with XXXX XXXX XXXX. 

They failed to remove my paid-in-full balance so I filed a dispute with Experian. 

Up to this point I have had perfect credit for 50 years. 

On XX/XX/XXXX, XXXX XXXX XXXX, not on my credit report, but in their response to Experian. used someone else 's credit information on my account in error. Specialized 's dispute response said erroneously ; 1. That I had missed two payments 2. That I was 60 days past due 3. That I paid off my loan for less than the legal amount owed. 
ALL OF THESE WERE FALSE AND NEVER APPEARED ON ANY CREDIT REPORT. 

Experian/FICO took this response and lowered my FICO score XXXX points in one day. 

I contacted XXXX XXXX XXXX and explained the situation and they kindly corrected the error with Experian/FICO within 72 hours and apologized. That should have solved the problem but it has been a year now and the problem still exists. Here is the problem ; When Specialized corrected by record Experian/FICO only made the correction on one of my FICO Score Cards, my FICO Score Card # 8, which went back up XXXX points. THEY DID NOT HOWEVER MAKE THE CORRECTION ON ALL MY OTHER FICO SCORE CARDS ( There are 7 OF THEM ). All which to this day still show the false derogatory information set forth above. The 7 score cards are damaging my reputation and credit. I can not buy a car or get a new bank card with the false negative information they still have on my FICO score cards. 

When I filed my last complaint with you, ExperianXXXXFICO responded they rely on the creditor information. The creditor in this case did correct the record but Experian/FICO did not. IT IS UP TO EXPERIAN OR FICO TO CORRECT THEIR OTHER SCORE CARDS. A CREDITOR CAN NOT DO THAT. AND, NOWHERE CAN ANYONE SHOW IN MY 50 YEARS OF CREDIT HISTORY THAT ANY DEROGATORY HAS EVER OCCURED. 

On XX/XX/XXXX I sent a certified letter containing dozens of pages of proof to Experian Legal Department following their specific instructions. All they did was open up a new dispute with XXXX XXXX XXXX which will accomplish nothing. XXXX already shows me with perfect credit and paid off as agreed. There is nothing XXXX XXXX XXXX can do to correct negative information still appearing on my FICO SCORE CARDS 2, FICO AUTO SCORE 8, FICO AUTO SCORE 2, FICO BANKCARD 2, FICO BANKCARD SCORE 3 AND FICO BANKCARD SCORE 8 all which are currently reflecting erroneous negative information.
Product: Mortgage

I am a veteran of the XXXX. Job moved out of country. House went into foreclosure. NJ Hardest Hit Program approved me for their NJ Homesavers program. Caliber Home Loans refuses to recast the loan even though the VA states that they are able to do it.

My sheriff sale is XX/XX/2018, NJHMFA and the VA are working hard to push this through and they have run into a brick wall with Caliber Home Loans says no to recast of Mortgage.

I will have to go Chapter XXXX  Bankruptcy if things fail to keep me house which is unfair because NJ Hardest Hit Fund has XXXX they want to put on my mortgage with Caliber Home Loans and save my credit and save my house.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>