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

I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with XXXX XXXX ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called XXXX XXXX, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years XXXX XXXX kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on XXXX, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of XXXX XXXX but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with Experian who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is XXXX XXXX, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state. EXPERIAN keeps allowing them to add/remove/adjust a re aged alleged debt and they are not doing their job in the dispute review to see that the dates on the original debt with [ XXXX XXXX then sent to XXXX XXXX and then the to XXXX XXXX and now to XXXX XXXX XXXX ( who is also XXXX XXXX ) ] has met its statute of limitations as of XXXX.
Product: Debt collection

I was contacted XXXX/XXXX/2016 on my cell phone by a XXXX XXXX stating he was employed by XXXX XXXX Attorney at Law, he said this was concerning a XXXX County, Texas case XXXX and if I did not give him my sons information a XXXX County Sheriff would be dispatched to his home. When I said whose home his said your son 's. It was then that I realized this was not a real situation, I was terrified at first. I told this person I was not discussing this with him further and he became agitated, stating I had not raised my son properly and that is when I hung up. Today, my husband received the same kind of call at our residence. He hung up. I called the number provide by this XXXX and told him to stop harassing me and to remove my cell and home number. He was as ugly as before and he hung up on me. I researched online and saw this is a collection agency called ARA Inc. out of Illinois.
Product: Checking or savings account

in XXXX I was persuade and pressure by XXXX XXXX XXXX of SunTrust bank in XXXX XXXX NC located on XXXX XXXX ...., to open up a checking account ... we spoke for about 45 minutes and I discussed with him the needs I had, and why I would only open up another checking account with any bank even SunTrust, and that was specifically the need to cash paper checks and have funds available immediately ... ... point blank ... we went over this point carefully, that. 1. can I cash a paper check at the atm, and withdraw money immediately, and that I needed over draft protection. Which he offered, and said he was setting up. Which I found out later that was a lie also, as well as the ability to cash checks immediately also and withdraw at the atm..and that I would not be charged a statement fee. If I use my atm card 10 times a month ... which I found out to be untrue also ... ..so I attempted to cash a check at the atm and withdraw money ... XXXX XXXX 2017 at XXXX while the bank was still open ... the atm machine prompted me that it had cashed my check and accepted it ..as I attempted to withdraw some cash it prompted me that would be allowed to withdraw cash as a one time courtesy but then later told me funds were not available ... so I entered the bank and inquire ... I spoke with XXXX XXXX..and explain why there were so many misconceptions with my account. He, ( XXXX  XXXX ) begin to explain them off ... .as if we never discussed these items when we open up the account ... .none were true..and it was just attempt to get me to open up an account to just generate addition fees for the this bank ... and attempt to have my social security and county benefits directly deposit to sun trust, ... all by informing me fraudlently at the initial account set up ... SO I CALLED THE XX/XX/XXXX POLICE, XXX, AND MADE AN OFFICIAL REPORT OF THIS TYPE OF FRAUD ... SO I WAS PROMPTED BY THE NC BANKING COMMISSION THAT YOUR AGENCY IS WHERE I SHOULD LOGDE MY COMPLAINT ... ... IF, SO, I AM DOING SO NOW ... I also feel that he discriminated against me simply because I was not a typical ( XXXX ) and because I was XXXX and my money is received from a public source ..mainly social security. And he lied to get me to open up this account be telling me he was offering these benefits. And setting them arm at the initial account set up. When in fact he was doing no such thing..in all hopes to generate fees towards the bank and ruin my credit ... FRAUD ALL OUT FRAUD ... WHEN XXXX OF XXXX ARE OFFERD THESE ACCOUNT SET UP IMMEDIATELY..BUT NOT THE GENERAL PUBLIC ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number  : XXXX This is not mine.
Product: Credit card

I used my Wells Fargo credit card to load money into my XXXX account. I did not realize this transaction would be a cash advance, and would be charged interest as such. Wells Fargo did waive the initial cash advance fee and interest fee, which I appreciated because I made a mistake, however, I asked if all I needed to do was to pay my next statement balance in full to avoid paying any future interest, they said yes. I received another interest fee, due to the standing cash advance, which they waived again, and then I immediately paid of my whole statement in full to clear both cash advance and general credit card balance. Here is the issue, there is no separate line item in my Wells Fargo mobile app for current cash advance balance. The cash advance itself looks the same as any other credit card transaction, however the interest treatment is different than a credit card transaction, since interest occurs from the date of advance instead after carrying a balance ( like a normal credit card transaction ). Luckily, I pay attention to these things and I was able to rectify my mistake which Wells Fargo did assist me with, no issues there. However, not explicitly calling out cash advance current balance nor giving an option to explicitly pay off that balance as its own separate credit type, is predatory. I am sure many consumers are paying at least 2 months of interest if not more for a cash advance balance they do not know they have, and if different transaction types carry different interest treatments, they should be separated out. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple failed attempts Experian continues to publish erroneous information pertaining to my credit profile. I've been disputing accounts with Experian whom continues to respond that they have investigated my complaints which they claim are accurate and verifiable. I deem this information to be false based on the DELETION of the same accounts from other Credit Reporting Agencies. Per the Fair Credit Reporting Act all information must be 100 % accurate. This stands as a violation of the FCRA for multiple violations 15 usc 1681e ( b ) ( Accuracy of Report ) 15 usc 1681c ( 5 ) 15 usc 1681 ( b ) Reasonable Procedures 15 usc 1681 ( a ) Accuracy And Fairness Amongst other violations these inaccurate reports have negatively affected my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/2017 and signed up for auto-payments. They indicated that it would take 30 to 60 days for the auto payments to commence. There was no payment due in XX/XX/XXXX. I made a payment online in XX/XX/2018. The XX/XX/XXXX bill indicated I was now signed up for auto payments and that a payment would be taken from my checking account on XX/XX/XXXX. When I received my statement it indicated that the auto-payment had indeed been made on XX/XX/XXXX. On XX/XX/XXXX XXXX called me to inform me that the payment had not been made as previously told. I was astonished as I knew there was ample money in the account to make several payments. The customer agent looked into my account and found there was a transposition in the account number for the checking account from which the payment was to be made. To ensure they had the correct number the agent made the XXXX payment while I was on the phone, and it went through. When I received my next statement I found that they had not only charged me {$25.00} for a returned check, but they also reported to the credit reporting agencies the payment was made 30 to 59 days late. The payment was due on XX/XX/XXXX, by the time they noticed that they had messed up the account number, contacted me, and obtained a payment was only 6 days. I do not know what party was responsible for the transposition, but I know they had 2 months to verify the account numbers. And they also could have called me when the payment did not go through, rather than waiting an additional week. 
The following month no payment was made from my account so I called them and they informed me that auto payment had been cancelled, without any notification. I told them that I wanted it to continue for which they apologized and re-instated the auto-payments and made a payment again while I was on the phone. XXXX then subsequent to my phone call, mailed me letters saying that my auto-payments had been cancelled, then another stated they had been reinstated. Both on the same date. No late payment fee or late payment report was made for this payment, even though I believe it was past due. They just took responsibility for the error, as they should have done the first time. 
I made complaints on two separate occasions to XXXX regarding this matter. I received 3 unsigned form letters in response, all identical, indicating they they were correct to report the payment late. I do not believe this to be the case. It was XXXX 's fault that payments were made late on both occasions. I made honest efforts to make the payments and even had to follow up on them. I had the money in my account for payments to be made. This was a simple mistake, likley on their behalf, and should have no bearing on my credit score. 
The bill XXXX-XXXX  attached to this report show that the payment had been made. The XXXX XXXX bill shows the payment unmade, the remade, as well as the {$25.00} returned check fee.
Product: Credit card or prepaid card

On XX/XX/XXXX there were fraudulent charges made on our credit card. An account was set up with automatic payment to XXXX for {$78.00} weekly to deliver food. Other fraudulent charges were also made. We finally resolved the issue with the credit card in XXXX and got those charges credited back. This was difficult to do as the credit company kept issuing new credit cards and allowing the new numbers to be given to the automatic pay for the XXXX account. We were told that even if we close the account, the dinnerly company can still charge us on the credit card. 
In XXXX we were charged with a {$110.00} charge from XXXX that is also a fraudulent charge. We reported that on XX/XX/XXXX. The Charge was supposedly made on XX/XX/XXXX. The credit card company gave us a provisional credit on XX/XX/XXXX and then reversed the provisional credit on XX/XX/XXXX. My credit card statement for XXXX has a provisional credit for {$110.00}, a charge ( dated XX/XX/XXXX ) for {$110.00}, and a reversal of the provisional credit for wordpress for {$110.00}. Thus I have been charged 2 times for the fraudulent charge. 
I am unable to convince the credit card company that this is a double charge of a fraudulent charge. 
I had a representative from XXXX insurance on the line with me for over 3 hours today to try and straighten this out. We spoke to 6 different people, none of whom could explain what the charges were for. One person actually told me that the reversal of the provisional credit appears as a debit on my account but that is is not a charge and not added to my balance. There is not one person who can help us clear these charges. 
I have personally spent over 80 hours on the phone since XX/XX/XXXX trying to get fraudulent charges taken care of and we still have no resolution. The company has NEVER returned a phone call, even when they say they will and say they have record that they did. I searched my phone calls and there is no call from them. 
As of right now, someone is going to look over the account ( after 6 people already have today ) and determine what happened. Supposedly someone MIGHT issue a credit. I have asked to be called, emailed, and a letter in writing that this account is zeroed out. The account has been closed since XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account XXXXWELLS FARGO which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXXWELLS FARGO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I have been in good standing with carhop for XXXX and not a single loan for the now XXXX vehicles have been reported on my credit report. None of my early payments none of the payoffs nothing, it's as if I never did business with them. From 2016 to today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX case # XXXX spoke with XXXX from Fraud Dept I was guaranteed that it would be deleted from my credit file the end part of XXXX XXXX due to fraud and they would issue me a deletion letter .This acct was never mine from the begging and I told them this years ago which they told me it was once removed, which they were not telling me the truth.I found out it was still appearing on my credit file.It needs to be removed by Bank of America XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX to the IRS filling out form 3949- A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has XXXX XXXX XXXXXXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Debt collection

This collector or creditor did not provide Hipaa release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I have not This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Had difficulty filing dispute with EquifaxPaid off all doctor visits that continue to appear on my XXXX XXXX and other account in collection through XXXX : XXXX