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

Improper use of my consumer report I XXXX XXXX consumer, XXXX! natural person, Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Delete this account immediately and update all the late payments, unless you want to be held {$1000.00} per violation Under 15 U.S. Code 1681b Permissible purposes of consumer which is fraud v FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX  XXXX XXXX XXXX Account Number : XXXX Late payments v XXXX XXXXXXXX XXXX Account XXXX : XXXX. Please immediately delete this item. 

XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S. Code 1681b.XXXX XXXX XXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Remove Late payments XXXX XXXX XXXX XXXX XXXXAccount XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Remove Late payments XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are involved in litigation, I have not supplied proof under the doctrine oXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO '' 281 sw 715.719. I presume no knowledge of the collected debts, in fact exists 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

Company continues to report inaccurate collection on my report., from company XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and unauthorized charge appeared on my cash app prepaid card on XX/XX/XXXX for {$170.00} from the XXXX XXXX then another charge came through for {$350.00} from the same XXXX XXXX XXXX when the second charge came through for {$350.00} that's when I noticed that there have been two different transactions contacted the cash app customer service all they're doing is giving me the runaround they stated that my card was present when the transaction happened which is not true at all I have the XXXX app on my telephone and that card was used as a backup form a payment my phone was lost whoever my apps as well as my credit. I've contacted the XXXX XXXX I was told to call my credit card company did not get no assistance I'll explain that to the cash app customer service
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am reaching out to the CFPB for help pertaining to FCRA violation ( s ) from the credit reporting agency Experian. I have notified Experian of all these violation ( s ) and issues which I will attach in the following documentation. They have deliberately even after being notified continue to keep reporting misleading, false & inaccurate information on my consumer credit report. This is pertaining to XXXX  XXXX XXXX under account # XXXX for report # XXXX that was generated from the dispute result ( s ) on XXXX XXXX XXXX. Not only is this documentation attached they are reporting 30 day late, 60 day late and a chargeoff remark for a XXXX  XXXX XXXX secured card that was paid in full and this account was never late. Additionally, there is a no data for this period remark for XX/XX/XXXX yet they have posted under balance histories a balance on this credit card yet how is this possible with no data this is severly misleading. To make matters worse for XX/XX/XXXX there was a balance under balance histories of {$3300.00} as being stated on this card yet there was a scheduled payment for {$140.00} and there is no payment ( XXXX ) said being made on this account from XX/XX/XXXX so how did the balance drop {$3000.00} all of a sudden in XXXX of XXXX  if there is no data for this period. Not only is this consumer reporting agency reporting inaccurate information they are reporting an account as charged off, late for 2 months & no data available with a balance history section and payment history section that does not reflect the status of the account or the right information pertaining to this XXXX  XXXX XXXX account that was never late and paid on time. Additionally, this account is a secured credit card meaning type of credit card that requires a one-time, refundable security deposit from the cardholder. So not only was this my money not only did I not get my security deposit back this account is reporting delinquent when it was never delinquent as I am the original creditor and my money was what allowed this account to exist. The way that it was reporting before the dispute and after the dispute is still affecting my credit for the worse and if the account is paid and closed under status how is this account charged-off XXXX and if the account is closed why is there no closed remark under payment history if status of the account says paid and closed. To make matters worse it says {$3300.00} was written off but there was no written off balance if the account was paid and closed XXXX  There is a multitde of issues with this account reporting and if this account isn't furnished properly with the payment history, balance histories, and status I will look to file a lawsuit in federal court aganist Experian for their violation of my consumer right ( s ). They did not notify me of how this information was verified upon request or that an investigation was underway and/or when it closed.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COMMUNITY FOCUS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX COMMUNITY FOCUS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCBPAYPAL XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX TWINS AUTO XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST CITIZENS BANK AN XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX CAP XXXX NA XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/24 On or around XX/XX/24 I spoke with Experian customer service, and kindly requested them to update my credit file with the correct address. I shared that disputed info must be updated or deleted.The agent refused my request. I reminded them that my credit file needs to be reported 100 % accurate per FCRA guidelines. The agent still refused to update incorrect address.
Product: Student loan

I sent a email to the XXXX website trying to get my loans back into administrative forbearance again. They didn't renew. I sent a couple emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting to extend my administrative forbearance again. No response My DTR is valid, should be processed in a timely matter.
Product: Prepaid card

I purchased a Vanilla Gift card in the amount of {$130.00} at XXXX several days ago. The card was packaged perfectly with no sign of outward damage. When opened the card is missing the last 4 digits of the card number and the CVV on the back. They appear to have been scratched off. This looks intentional and not like a printing defect. 

When I contacted Vanilla they asked for the card serial number and confirmed it was for {$130.00}. I also have copies of both the purchase receipt and the activation receipt. The combination of the card and both receipts should be sufficient proof that I am legitimate. In order to do anything they then said they require proof of address ( a bill or something I assume ) and a copy of my drivers license before they will help with anything. The people answering the phone hardly speak English so it is very difficult to determine what they are asking for and the whole process has a very uncomfortable feeing to it. I asked to speak to someone in the United States to which the person continued to repeat " I work for the United States ''. It took me at least 4 times to get the person to admit they were not in the US. They then put me on hold and never picked me back up. 

This is my 4th attempt to get this rectified with the same basic results each time. After doing some research it appears that this is a common thing with this company and similar complaints are extremely easy to find.

It is a very unsafe practice to give out copies of personal information like they are asking for and its is even more unsafe to give it to someone outside of the country. The way this company treats customers is a scam to get people to give up on trying to get what they paid for in the hopes of keeping the funds.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion are violating the LAW in regards to my consumer report. I haven't worked in one year because Consumer Reports violated the law therefore causing me not to obtain credit to get my semi truck leading to me losing out on a $ XXXX deal. This has damaged my life and I am not able to take care of myself or my children properly. I call XXXX everyday and can never get through. When I report it they always say there is a third party involved and that is not true. I am fed up with this. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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 ; These accounts should not be on my credit report at all. 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 and this inquiry : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include consumer report ( Credit Report ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card ( ID, Social Security ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

If these items are not removed from my credit report for any reason, I will hire a consumer lawyer and the consumer reporting agencies will be fined {$1000.00} per account.
Product: Student loan

I've been trying to get ahold of this company for weeks. I've been emailing them, calling them. No one is answering or reaching out to me. I've heard many complains about this company as well, as I'm not the only one saying this exact thing.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. And I don't know how long it would take for you to take down and remove this entry on my credit report. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Iam a victim of identity theft. Someone opened a fraudulent account in my name. I need help removing it from my credit report.
Product: Credit card or prepaid card

My XXXX card XXXX was charged a {$490.00} membership fee and {$75.00} additional user fee on XX/XX/XXXX. Card was closed on XX/XX/XXXX, I am due a refund of both fees. The refund was not credited to my account
Product: Debt collection

I want to report an attempted fraud by an insurance company that claims I owe them the sum of {$340.00} for suspension of my home insurance policy # XXXX. I have not had any communication regarding my home insurance with that company called XXXX XXXX and they want me to pay them that money for that supposed policy that I bought from them. I thought it was a simple mistake they had made and I did not pay attention to it but I have received XXXX letters from a collection agency called Credit Collection Service File # XXXX which is threatening to report my credit to the major credit bureaus. My house was insured throughout XXXX with the XXXX company, XXXX # XXXX and this policy expired on XX/XX/XXXX and I immediately requested a policy with XXXX XXXX which is the policy my house currently has # XXXX. How can this be allowed? I request an immediate investigation into this insurance company, which apparently operates without any kind of regulation in this country. I am attaching evidence of my complaint.
Product: Credit reporting or other personal consumer reports

Experian , XXXX XXXX didnt remove late payments
Product: Checking or savings account

Applied for a HELOC with First United Bank and Trust ( https : //online.firstunitedbank.com ). They pressured us to open a checking account with them in conjunction with the HELOC ; we eventually agreed. After 4 months, they began charging a $ XXXX " service fee ''. When we noticed the charges, we called, they agreed to refund the charges and switch us to an account with no monthly service fee as long as we signed up for e-statements. 

They refunded the original set of charges, but did not make any change to the account ; we were still charged a $ XXXX service fee for the next XXXX months before we called again, they agreed again to refund the charges and switch the account type ( totally for real this time... ). We're now waiting to see if the second set of charges are refunded and the service fees stop.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Product: Credit card or prepaid card

Hello, This is a continuation of case # XXXX. After the case was resolved and closed. The store issued a " misc adjustment '' charge for {$1200.00}. I have not made any purchases or used this card since my last complaint that was filed. I tried to call Lowe 's credit services and speak to " XXXX '' at XXXX am on XX/XX/2022. But he decided to hang up on me. The fact remains that this card was ONLY opened and used in an attempt to purchase an XXXX range and XXXX dishwasher. Neither of which we're ever delivered. This card has never been used otherwise. I have proof that I purchased the same units from XXXX directly with delivery confirmation from XXXX. I have no delivery confimations from XXXX  as all items were canceled before delivery due to massive mistakes at a store level that prompted me just to cancel and order elsewhere. Nor did I ever receive my two payments i made while I was trying to sort this all out. Ask XXXXXXXX XXXX to show proof of delivery on these items to my address. You won't find any. LasXXXX XXXX statement and proof of purchase/delivery from XXXX attached XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I have informed " XXXX XXXX XXXX '' on several occasions and complained that they have been reporting an old closed Credit Card account balance and status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on TransUnion and Experian credit reports : 1. ) Balance owed - ( {$62.00} ) 2. ) Account Status- ( Charge Off ) 3. ) Last Activity - ( XX/XX/XXXX and also XX/XX/XXXX ) 4. ) High Balance - ( {$310.00} and also {$0.00} ) 5. ) Times 30/60/90 Days Late - ( 0/0/0 and also 2/1/3 ) 6. ) Month 's Reviewed - ( 0 and also 55 ) 7. ) Monthly Payment - ( {$0.00} and also {$0.00} ) 8. ) Current Payment Status - ( Collection/Charge-Off ) 9. ) Payment History - ( " No history is available, '' and also " You've made 71 % of payments for this account on time. '' ) On the telephone, the company agreed to remove this inaccurate account once I paid their accused {$62.00} balance owed in full in XXXX, but they violated this verbal agreement and have recently sent me a newly recreated inaccurate balance owed for this account, which has already been paid in full and closed. Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit card

SELF/SSTATBK- closed XX/XX/year> All accounts were disputed once I seen on my credit report and came back as deleted but still shows on my report This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit card

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. LVNV FUNDING LLC XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple request ... The inquiries were not authorized and reported in my XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized and reported in my TransUnion XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX. lnquiries : 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: Debt collection

They added me for this service without my permission and when I contacted them they are not picking up my call.