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

XXXX is incorrectly reporting an increase in the balance owed to Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.
Product: Debt collection

They have add an account that XXXX had told me was from XXXX from XXXX as of XX/XX/XXXX are trying to collect a debit thats XXXX yrs old that I dont remember having, I also ask for the account number which no one will provide. Also not understanding if snap had proper authorization then why is it not reported on credit report from when I defaulted?

The Florida statute of limitations on debt collection for written contracts and promissory notes is five years. Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years.
Product: Credit reporting or other personal consumer reports

It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

On XX/XX/2020, I called Marcus  by Goldman Sachs bank to close my savings account which i have had for over two years.. I was told they would wire transfer my money to another bank where I have an account. Instead without ever contacting me they froze all my funds and locked me out of my account. I called them on the phone and they told me they can hold my money for any reason and for as long as they want and don't have to tell why, They then told me they are mailing me papers i have to have notarize and return before they will discuss my account with me. 
So basically they have stolen all my money without any explanation and who knows when I will ever see it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Regions bank branches refuses to help me with a fraud claim. They say I have to go through their online bot, and can not email my statements to anyone. Are they allowed to do this? 

The branch assistant manager spent a bit of time with me and took my info to get the claim started. I went to my office and printed off all of the statements. Then she called to tell businesses are not helped in the branch. I asked for the branch manager, but she wont call back. 

I just want a human to help with the fraud.
Product: Debt collection

Due to medical problems I set up a Hardship Program for payment of a credit card with State Farm Bank and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is XXXX, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of State Farm for over 20 years and have never had a problem until now.
Product: Credit reporting or other personal consumer reports

I sent a request to have one address and be address only on my credit reports. My new address was updated but the other addresses have not been deleted. 

The only address that should be on my credit reports is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

No other addresses should be on my report.
Product: Vehicle loan or lease

BOUGHT A XXXX XXXX XXXX FROM XXXX MOTORS IN XXXX. THEY PROMISED THE FOLLOWING ITEMS FOR REIMBURSEMENT. 

XXXX. XXXX TICKETS FOR EXPIRED PLATES XXXX. XXXX XXXX XXXX. WARRANTY XXXX. FIX CRACKED WINDSHIELD I SPOKE TO THE XXXX CO AND TOLD THEM THAT THESE ISSUES NEEDED TO BE DEALT WITH BEFORE PAYMENT WOULD BE SENT. 
INSTEAD OF DEALING WITH THE ISSUES THEY SENT A TOW TRUCK TO QUIETLY TAKE THE VEHICLE WITH MY WORK UNIFORM AND FOOD INSIDE. 
THE PAYMENT WAS DUE XX/XX/year> AND NOT EVEN A MONTH HAS PASSED AND THEY SEIZED THE VEHICLE AND REFUSED TO TELL ME HOW GET MY VEHICLE BACK.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Northeast Collection Bureau repeatedly calls, from varying phone numbers, giving different names, always with a harassing tone, claiming they have a debt that needs paying. They refuse to name the original creditor or the amount owed. Currently do not have any debt in collections associated with this company. They have been told repeatedly to cease calling. Ignored. I 've researched the company name online, and found many complaints that they are a scam agency, scaring people into paying them, and that many of their targets had to get legal counsel or police involved to stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.
Product: Credit card or prepaid card

I contacted USSA credit card customer service on XXXX XXXX, 2017 about a filing a dispute on my card. The person i spoke with told me that he would file the dispute and asked me several questions about the complaint. I answered all his question and asked if i needed to submit anything since i had several merchant write letters where the previous merchant did not do the work correctly when they installed my floors. He said he did not need anything but if he did he would send me a letter. He even issued me a finance charge credit to my account the very next day. When i called to ask what that was they stated it was due to the recent dispute i filed. To this day i have not receive any letter about a dispute. After a few weeks i called and the rep told me she did see the rep and i asked how long would they give the merchant to respond. She stated they give them 45 days and we are about 3 weeks into that process. I called again when we were about a few days until day 45 and again the person I spoke with told me that they saw the dispute and that in a few days i should have a credit because they could see my dispute and that the merchant had not replied to my dispute. i was feeling good as I had hired the next company to fix the floor. i was really hoping when i got the credit that I would be able to pay the new merchant. After giving them over the 45 days i decided to call since i had not heard anything. I got a customer service rep and they ended transferring me to their dispute are. The worst part is that the dispute rep said no dispute was ever filed and that i had to start all over again. I was very upset and i feel that REG Z, a federal law, was violated since they stated to me a dispute was filed and they they gave the merchant enough time. I have waited 45 days, 60 days and now the merchant tells me i have to wait 120 days and i feel that is not right nor fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX  attached thanks.
Product: Money transfer, virtual currency, or money service

Multiple occasions where I had money in my mobile wallet and it just disappeared. When contacted the XXXX number that was given they were asking for information that I wasnt comfortable giving.
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XXXX, but all payments were made on time until XXXX XXXX when I lost my job. TransUnion has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. XXXX has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX {$3800.00} XXXX XXXX XXXX FINANCENeeds Attention Last reported : XXXX XXXX, XXXX {$3000.00} In Collections/Charge-off XXXX XXXX XXXX XXXX NA Closed : XXXX XXXX, XXXX {$1000.00} Closed XXXX XXXX XXXX Closed : XXXX XXXX, XXXX {$200.00} Closed
Product: Debt collection

Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.
Product: Credit reporting or other personal consumer reports

I have been making my payment on time but yet my balance is being reflected wrong on my credit report and its also showing late. Also showing months where payments where missed but I know I havent missed any payments since having my accounts.
Product: Debt collection

Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Student loan

Firstmark Services http : //firstmarkservices.com/ They received and deposited my check but continued to call 4 times a day for an additional 6 business days. They call 4 times at the same time of the day every 15 minutes. I called and ask they stop calling as my bank statement showed they deposited my check beyond a week prior and they said their system takes " 48 hours '' to remove myself from their call list. So even though they received my money, they continue to harass until their " system '' does some type of " update '' to remove me from the list. Not sure how it 's legal to receive and deposit $ but not have technology built in to notify their call system to stop calling. Is it legal to harass someone 4 times a day when the purpose for their call is no longer an issue? I have all the call logs and bank statements needed. There is no way to remove one self from their automated system. I did NOT ask XXXX Bank to sell my student loan for them. Had the loan since XX/XX/2008 - never had ONE issue until they sold it to Firstmark. They even backdated the payment due date which essentially required me to make a payment to XXXX and then 15 days later immediately to Firstmark. Not sure if I have any consumer protections at my behalf to help with this situation.
Product: Debt collection

I received a notice in the mail from Capio Partners stating that I owe " XXXX XXXX XXXX XXXX '' the amount of {$1400.00} for services they claim I received on XX/XX/2020. This is completely false and I have never conducted any business with either of these companies. I have included a copy of the notice I received in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX   Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report.

On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an account listed on my credit file, which I believe to be inaccurate and incomplete. 

The account in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate this account and take appropriate action to correct any inaccuracies. 

Furthermore, I would like to request verification of the aforementioned account. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the account without delay. Kindly assisst me to correct this account : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EdXXXX There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX Dept of EdXXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, Law offices of XXXX XXXX, Law offices of XXXX account number XXXX, XXXX XXXX XXXX account number 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
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

Multiple inquiries have appeared on my report without my consent. Please verify in writing inquiries that I requested.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX account on the adverse section of my TransUnion report. It is too old to be on my report, and the Transunion account shows that the item is due to be removed in XX/XX/, which is the current month. 

I submitted a dispute, and the results came back that Transunion deleted the XXXX tradeline. However, it is still there. I chatted with someone via the chat option as every time I called the line would disconnect from Transunion 's end. The representative could not tell me why it was not deleted even though it has met the seven-year timeline. 

This is incredibly frustrating and I would like this old XXXX tradeline to be deleted as they said it had been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Experian credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.
Product: Debt collection

Account name : RentRecovery Solutions Account number : XXXX 15 usc 1692c ( c ) that law clearly states " if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication