23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust and the credit reporting system. 

Moreover the persistence of these errors despite multiple disputes exacerbate the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being the distress caused by the situation is profound as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA The failure to correct or delete this false information despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue is caused not only financial repercussions but also significant emotional turmoil impacting my daily life and overall XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I used the credit card only 1 time to purchase a car battery I paid the totlal balance and interest months ago and didn't use the card anymore. After months I recieved an email on XX/XX/XXXX that I need to pay {$33.00} interest and I am past due for 2 months. I didn't receive any emails about payments fot months. How can I be past-due for 2 months while the statement shows due date is XX/XX/XXXX. This company reported me that I had 2 months past due to all credit bureaus which is incorrect! This company has a lot of bad reviews and complaints from a lot of customers. They need to correct my report which they submitted to credit bureaus as well as the interest rate they calculated without any open balance.
Product: Credit reporting

I applied for my free credit report thru your website in XX/XX/XXXX. I was immediately refused due to the fact that your website provided unclear and illegible information and there fore trans union was unable to determine the nature of my request. I have now received my THIRD turn down and request for the exact same information I have sent XXXX times already. I sent XXXX pieces of govt id and a utility bill. I believe that they are XXXX off because I blacked out the account number as I feel that my name and address being on the bill is enough information, they do n't need the account number for anything other than skip tracing. They claim that all those pieces were unacceptable because they were any XXXX of XXXX different reasons. They still claim that my id I sent them is illegible and furthermore I also requested reports on the bureaus own form as well as your forms and a personal letter request from me personally. I believe trans union is merely trying to gleen more information to put in my file to benefit from me. Trans union 's insistance to refuse to give me a copy of the derogatory information they have been selling to others and true and accurate information is a fraud. They know that I am XXXX with an incurable XXXX and they are discriminating against me. They have also denied report to my XXXX husband and XXXX daughter for exactly the same reasons and for XXXX times for each of us. They are intentionally discriminating against my whole family. The intentional derogatory actions of trans union has unfairly harmed my self and my family. I do have an attorney for seniors who I 've talked to who is willing to pro bono sue trans union. credit unions can be sued and they have the bucks the attorneys know about. Please help me get my ctrue corrected credit reports immediately so that I can find a comfortable place to live thru the remainder of my XXXX. Credit unions have been pulling this for years on the consumer when will the govt impose serious enforced regulations again the credit bureaus? Thanks
Product: Student loan

When my loan was serviced with XXXX I was locked in with a low interest rate. Once navient took over the loan, my rate increased and payments have doubled.
Product: Prepaid card

I have 2 prepaid Vanilla Gift Cards in the amount of {$20.00} each. 
These were originally {$100.00} each. {$80.00} per card was used at XXXXXXXX XXXX XXXX XXXX XXXX 
There is a {$20.00} balance left on each card. 
I checked the balances at vanillagift.com and they both show remaining balances of {$20.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXX XXXX XXXX XXXX  I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX
Product: Debt collection

lvnv funding sued me for a unknown debt. Agency vigorously did writ of wage garnishment on me, NEVER GAVE ME ANY NOITIFICATION ABOUT THE DEBT OR HOW TO RESOLVE ETC OR WHERE THE DEBT ORIGINATED... WAS NEVER SERVED ANYHTING! Also i never signed any agreements for the debt to be sold!!
Product: Money transfer, virtual currency, or money service

Hello, Paypal permanently restricted my account for reasons i am not sure of. Every information i filled in my registration process was original, Current and Legit. I am a XXXX  who produced XXXX words of copy for my Client and he reciprocated by sending me a {$500.00} dollar advance fee. He later sent an additional {$200.00} for me to run XXXX promotions for him. I tried withdrawing the money but couldn't. PayPal requested for my Card statement. I went to my bank the next day and obtained it directly from my Bank and sent to PayPal. 

The next morning i woke up to a Your Account Has been Permanently restricted Message from papal. I have no idea why. I took Pains to go through the registration process in order to avoid any hitch. I tried reaching out to PayPal but couldn't get to them I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

Here is my Email linked to my PayPal Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit is not where it needs to be. There are things on there that should not be there.
Product: Credit card

Kohls charge account was opened online in my name using my SS #, DOB, and phone number. The address used was not an address I have ever lived at, but was an old address of my ex husbands. ( I dont think he had anything to do with this though ). The email used was not my email or one that I recognize. They told me that the purchase was for a crew neck shirt, sports bra, and a body suit and was ordered to pick up at a store but they would not tell me what store. The only reason I even know about the account/charges is because I began receiving calls on my phone to make a payment. I dont even have a Kohls account so I contacted them to see what the issue was. I originally called them on XX/XX/year> and kept getting calls so I called back and they said their investigation concluded that I had indeed opened the account. I have been told they will investigate again but they say it may take up to 60 days. Meanwhile it is on my credit report when I have nothing to do with the account/charges. I told them that I was informed I was a victim of the XXXX & XXXX data breach. They have not been helpful in resolving this issue at all. They have never asked for a police report or really any information from me other than to verify my personal information. I am willing to file one if I have to, but is extremely frustrating that I am spending hours of time trying to fix this when I am a victim of fraud.
Product: Credit reporting or other personal consumer reports

Experian is absolutely horrific for customer service. It is IMPOSSIBLE to speak to a live representative over the phone. Try it yourself - you won't get through. There are so many people complaining all over the internet about it, it's insanity. XXXX and XXXX are great, but Experian seems to not care as they have the market share.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX-Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit report, I found XXXX collection accounts through the same " debt buyer '' company showing a past due balance. I have not received any correspondence to date that states I have a contract with them to pay any amount. I do n't know who this company is, and what debts they are trying to collect on as I did n't know about these debts. The company is Portfolio Recovery Associates. With XXXX collection accounts reporting past due amounts this is very damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on this and get back with me. I saw a Credit Site and Board where this layer said you have 30 days to complete this investigation. Please investigate the following account and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Debt collection

Received a call from ARA XXXX XXXX. Claimed I owed XXXX, used my SS # and was vague about the issue. I hung up and he called back and said that since I did so I had proven my guilt. I called back and asked him what I was guilty of? 
He sounded like a scam artist.
Product: Mortgage

This company continue to use every trick in the book to raise my mortgage. They forced escrow on my account after seventeen years of me paying them. Now they are trying to force place insurance on the property even with me sending proof there times and my insurance agency sending it twice. Each time they say they have not received the paperwork but we have confirmation of each. Now today they sent a statement saying my mortgage will go up again to XXXX a month. My mortgage started out at XXXX. This company is using unfair practices and is attempting to strong arm its customers.
Product: Mortgage

In XX/XX/XXXX we applied for a line of credit with XXXX XXXX XXXX. The Line of credit was for {$40000.00}. In XX/XX/XXXX, my wife was diagnosed with XXXX and level XXXX XXXX XXXX. The line of credit we had only spent {$13000.00} of the total amount. And fell behind on payments and was in the process of negotiating with XXXX to settle for {$5000.00} to pay off this line of credit. The line of credit went into default and was written off. ( The loan was then sold to XXXX XXXX Prior to Default, which merged with XXXX XXXX XXXXXXXX XXXX. Ditech has written of the debt but not claims we owe then {$45000.00} with no explanation. I have mentioned to them the amount we spent and requested payment history. 

I have requested payment history of the line of credit and noticed something on the payment history that said amount XXXX balance XXXX with a description of former RL. which I questioned and asked for proof which we have never received. I am attaching the payment history and a letter I sent Ditech in XX/XX/XXXX. I have circled the item in question and have not ever been told or given proof of the phantom item. My wife is very ill at this time and I am trying to get this matter settled. I have offered to pay the XXXX to settle the debt. even in XX/XX/XXXX of this year, I have offered to settle the debt for XXXX just to get this matter behind us. And have heard nothing from Ditech. the so called supervisor of our case her first name is XXXX. and would never provide her last name or I do not remember it. 

We desperately need help to get this matter settled and removed from our credit report. I am at my wits end on this matter and Ditech will not settle this matter nor help to reach an agreement. I have asked for proof of the monies spent and they can not provide anything, to verify the money we spend or the balance of what was left on the line of credit before it went into default.
Product: Debt collection

Simon 's Agency has been reporting a debt/charge off ( {$34.00} ) that has never been verified as mine. As of XX/XX/XXXX the company has been reporting a medical collection that they never contacted me about. Then on XX/XX/XXXX the company reported it as a new account which means it was reporting double. It is negatively affecting my credit and harming my reputation. And then when I disputed it, they verified it with the consumer reporting agency. There is also a statue of limitations on this type of debt in my state.
Product: Debt collection

I have contacted Midland Funding by letter several times to obtain debt verification. They continue to not send the information I have requested to verify & validate the debt they claim I owe. I have also contacted the company that Midland Funding states the credit card was initially from & they have no records of this information. Midland Funding continues to report information on my credit report that is false. Midland Funding also failed to follow the law by marking this account as disputed on my credit report.
Product: Vehicle loan or lease

I bought out my car lease on XX/XX/XXXX with the amount that was quoted by Ally auto ( {$19000.00} ) On XX/XX/XXXX they updated my account information that the car was paid off and the balance is XXXX dollars. It has been a week and they are not sending me any paperwork like the odometer reading statement for me to sign or bill of sale. This is all done by email, these are all standard forms. The amount of money I send them isn't a small amount of money. I need help. I called them many times and they tell me to wait that this paperwork takes time. When I called them ti get a timeline of how long it takes, they tell me a whole different story of how fast its done. 
Please help me.
Product: Credit card

I ( XXXX XXXX XXXX, XXXX ) am writing to formally dispute inaccurate and/or unauthorized negative items on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which governs permissible purposes for furnishing consumer reports.

Upon reviewing my credit report, I noticed the following items that I believe are erroneous or lack proper authorization : late payment and account closure. Under 15 U.S. Code 1681b, consumer reports may only be furnished for permissible purposes, and I am concerned that these items do not meet the criteria outlined by law. If these items were included without my consent, or if they are otherwise inaccurate, they must be removed immediately.

In accordance with 15 U.S. Code 1681i, I request that you investigate the accuracy and validity of these items. Provide me with the details of your investigation process, including any documentation or evidence used to verify the items. Correct or delete the disputed information if it is found to be inaccurate, incomplete, or unverifiable within 30 days of your receipt of this letter.

I have attached copies of my identification and proof of address and my SSN card to help expedite the process. Additionally, I am requesting that the banks and credit card companies provide supporting documentation listing notification of late notices and payment options to address late payment or close account. If this information was not provided or showing evidence to support their claims these late payments will be removed, and accounts will be updated on XXXX, XXXX, and XXXX that the account is in good standings and a credit report update. The following companies are Discover and XXXX XXXX XXXX XXXX. 

Please send me written confirmation of the resolution of this dispute to the address listed above. Should you need to contact me for additional information, I can be reached at XXXX or XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXXXXXX Credit Bureau failed XXXX comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$860.00}
Product: Payday loan, title loan, or personal loan

I entered into an agreement via XXXX XXXX through TD Bank N.A in the amount of {$1800.00} for a new washer and dryer. 

The washer and dryer was delivered XX/XX/12. The dryer was determined to be defective approximately XXXX hour after delivery and installation upon first use. 

I immediately contacted XXXX for a replacement. XXXX will not provide documented confirmation that a replacement is processing and they are unable to provide a date that a replacement will be delivered. 

When I inquired about returning both items and canceling my financing I was hung up on, twice. I also inquired about this via chat and was my inquiry was disregarded. 

XXXX has delivered a non functioning device and is charging full price with no documented intentions on replacement. 

In-between the time my replacement was requested and today XXXX updated their website to advise replacements are no longer being processed. Items will have to be returned, refunded and a new item ordered. Which would result in new pricing/financing offers. That was not the deal. That actively changed as my replacement was processing. Are their customer service reps to scared to tell me? It's hard to tell. 

Whats not hard to tell is that XXXX is clearly taking advantage of their customers financially by offering great financing rates but not delivering functioning products. Per reviews and complaints on XXXX I can NOT the only one. TD Bank has a lot to gain here if this is the way XXXX is going to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company Ocwen stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion report td auto finance XX/X/2016 & XX/XX/2016 I tried disputing these inquiries but was told they are matter of fact without doing investigation. which they are required to do and if they were to follow the rules would find out inquiries were not authorized by me. I am asking to do full investigation on said inquiry to clear it from my report,,
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX XXXX 2.XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Equifax are reporting incorrectly that my credit utilization is 54 %. It has never been over 10 %, a fact confirmed by the sole creditor on my record. 

XXXX  refused to help me, with their agents repeatedly telling me that they couldn't do anything and that it was my fault because they don't make mistakes. I spoke to the supervisor, a man named " XXXX '', who again blamed me and my bank and told me they wouldn't help me. When I mentioned that the FCRA requires them to fix inaccurate information in a timely manner, he hung up on me. 

I have been unable to contact Equifax, despite several phone calls. They have also refused to remove a hard inquiry, that never happened from my record. XXXX XXXX XXXX XXXX  has verified that the inquiry never happened and is falsified. It also never appeared on the XXXX report, because it never occurred in the first place. 

My creditor, XXXX  XXXX XXXX, has said it is on the reporting companies to correct their mistakes, as XXXX  has provided accurate information, of which I was provided a copy.