23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Mortgage loans are open and apper on my credit report
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXX  Balance Owed : {$370.00} RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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
Product: Checking or savings account

Both my XXXX XXXX XXXX and my XXXX have passed. I am trying to satisfy the XXXX Judge in closing these accounts since XXXX of 2024. Bank Of America is holding more than {$50000.00} and will not release it because someone put a hold on them for no reason.
Product: Credit card

Dear Discover Card Executive Office, I have needed help getting account resolution. 

I reached out last year regarding fraudulent activity and was told it would be investigated and resolved, but I am still waiting to hear back. I have continued to make payments as I have been XXXX and they were done automatically, but now I understand I should not have been making payments while in dispute. It is outside the dispute allowable time, which is a billing violation for the dispute process. 

I got a letter from you letting me know that a new card would be issued and the XXXX credit bureaus would be notified that I was not responsible, yet I see that still needs to be done. I will be released next month and would like this resolved. I can not call in or speak on the phone now and would appreciate an email reply that this is handled. 

The account balance reflecting does not belong to me ; it is outside the allowable timeframe to correct this. I would appreciate it if you resolved this right away. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Product: Credit card or prepaid card

Genesis FS services refuses to remove the block that has been places on mydestiny card account. 
Account has had block prohibiting me from using it block was supposedly for a returned payment from my bank account that was forced to be closed by institution due to unauthorized activity on my account. The returned payment on questions was a additional payment submitted in error after a duplicate payment was entered and despite several attempts to rectify those matter Genesis FS card services refuses to remove block. I had additional made several payments to mydestiny card accounts eventhough no minimum payment is due and credit limit well under 50 % utilization.in additional to not being able to access my credit I have been discriminated against after previous complaints regarding mydestiny card card and Indigo credit card both owned by Genesis FS card servicXXXX and because of complaint submitted against Genesis FS card service. Genesis has closed my Indigo credit card account with out any notices or verified reason and has blocked mydestiny card despite account being in good standing this proves discriminating and retaliation against a consumer exercising consumer protection put forth to protect consumers from the bias and unjust practice from creditors that I am currently experiencing and I would like to respectfully request this complaint to be made available even if just for a reference in order to strive for the protection and obtain unbiased credit instruments design to help uplift our society amd justice for which it stands
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX. 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that XXXX/EQUIFAX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!
Product: Credit card or prepaid card

Credit card payment of {$29.00} is XXXX month late due to unexpected financial congestion. Citi is harassing me with several phone calls a day - often in the early morning or late evening. Called and they refuse to postpone my payment the few weeks I need. The associate I spoke to in their hardship department says that they do not post pone payments.
Product: Debt collection

I received a collection notice from Amsher Collections  on a XXXX  account that I never activated the SIM CARDS, Because they gave me different phone numbers, I was told I could keep old numbers. I called XXXX they know I never activated the SIM Cards. When they sent a bill I called and they confirmed owe zero. This has been going on over a year. Now when I call them they say I need a pin number to look in the account. I to not have a pin number. Now they tell me I have to go to a XXXX store to look up account. A BIG SCAM. Again I never activated XXXX XXXXXXXX XXXX XXXX XXXX They know it.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and see that there is an inquiry from Bank of America on XX/XX/year>. I am not receiving any direct benefit from this unrecognizable credit inquiry. I request that it be immediately removed.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax and XXXX Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$41000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/ wells Fargo account was late due to military obligations. I told them my account had changed and I was in an area without any communication which resulted in those unforeseen late payments. They denied me late removals and closed my account. I am still paying and trying to resolve this issue without luck as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX # XXXX, 2. XXXX Account Systems # XXXX ( does not have all the account numbers ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( XXXX Account Systems has violated my right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2.It also states a consumer reporting agency can nor furnish an account without my written instructions.

15 U.S. C 1681 c. ( 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: Debt collection

Synchrony Bank closed my good accounts, which I paid off, took over my account that never ever had a late payment, closed it with balance of XXXX, wants me to make payments to them and then makes it impossible to log into to be able to make a payment, in order to create late fees? This all started when they closed my account in XX/XX/XXXX, again the account was not behind or had it been. They closed my XXXX account that had never been late and a care credit account that had a XXXX $ limit never been used,
Product: Debt collection

I have made several attempts to get the debt collection agency to validate the alleged debt upon proof claim via of bona fide documentation. They have remained tacit in this regard and have never responded to any correspondence sent to them and have violated several parts of the Fair Debt Collections Practices Act.
Product: Debt collection

I am repeatedly being contacted by Diversified Consultants , Inc . ( " D.C.I. '' - which I believe is the only agency involved with this fraudulent attempt at collecting money from me ; but it has been going on for some time - they may also have partners, I think another company tried contacting me in the past as well ). They are relentlessly trying to collect an alleged {$56.00} on behalf of XXXX XXXX XXXX. I called XXXX XXXX XXXX directly to confirm, and they told me I have never had an outstanding debt, which makes sense because I have had my credit card set up on auto-pay since my account was initially set up with XXXX XXXX XXXX - so quite frankly, this is ludacris. I don't understand how this company hasn't been shut down already. D.C.I has been sending me letters with RETURN MAIL ONLY listed for XXXX XXXX XXXX, XXXX, MI XXXX & they are listing the amount due should be sent another address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. They have the creditor listed as XXXX XXXX XXXX XXXX, Account Number : XXXX, Agency Reference Number : XXXX, Balance : {$56.00}. They have a toll free number of XXXX. They are calling 1-2x a day from phone numbers in XXXX, NE. Here are some of the numbers that nonstop call me : XXXX, XXXX, XXXX, XXXX, XXXX, and I have tried blocking others. I have also tried answering a couple of the calls and explaining to the representative that I have contacted XXXX XXXX XXXX and confirmed these claims are fake. But that has only caused them to call me more and more it seems.
Product: Credit card

Downloaded an app that had a trial. They wouldnt let me cancel and charged me XXXX. The app was also useless, none of the advertised features worked. Disputed with Apple Card and they denied the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS FAILED TO DISPUTE THIS INQUIRIES I HAVE DISPUTEDXTHIS WITH FURNISHER XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have a mortgage with XXXX XXXX. Due to the COVID-19 pandemic and loss of income from my employer, we took advantage of XXXX deferment program for 4 months. We were specifically told that using the deferment option would not have a negative effect on our respective credit scores. We just recently started to pay the mortgage again ( XX/XX/2020 payment ). Both my wife and I were shocked when we received alerts that our credit scores has dropped ( 4 points for me and 27 points for my wife ) due to significant delinquency reported by XXXX XXXX   company. On XX/XX/2020, I called XXXX XXXX  to complain. The customer service representative stated that XXXX was under the impression that any data shared with the credit bureau was NOT to impact our individual credit scores. The customer service representative stated he was sorry, but once the information is shared with the credit bureau, it is out of their control what the credit bureau does with the data. I feel that we were mislead and thus, we are filing a complaint.
Product: Student loan

I 've been trying to get my Navient account audited, and have them show me how my account got to be as high it as it is. I got my loans down to half from around {$22000.00} down to {$11000.00}. I went back to school for a year and half, and it cost me {$35000.00} in new loans to finish up. So now, with the {$11000.00} + {$35000.00} puts me around {$46000.00} roughly. But my balance is at {$59000.00} roughly. So is it accurate that my account accrued over {$12000.00} dollars in interest alone in 1.5-2 years? Seems astronomically high to me, that 's if 2 years at $ XXXX accrued, 1.5 years at $ XXXX accrued. This is more than most monthly payments. These are higher than my monthly payments right now that they asking for. This ca n't be accurate. This is like a death sentence. Something is definitely wrong here, and seeing that there are XXXX lawsuits out by the government on this company it makes me question that validity of this company. Something fishy is going on here. Do n't know how I hit the bid on both XXXX and Navient, but they seem to up to some shady stuff. 

However, on top of all that. I 've been in contact with Navient for the last 3-4 months and they still have yet to provide me documentation on how my balance got this high. I 've asked probably 8-10 times for my account to be fully audited and check, and send me a report of how my account accrued so my interest. I 've yet to receive anything from them. It 's terrible.
Product: Credit card

Good Afternoon, I had an American Express XXXX, XXXX XXXX XXXX XXXX  card and have been a loyal member since XXXX  XXXX only contacting you today because I do not agree with your decision to bundle my american express XXXX XXXX XXXX into the other XXXX cards and closing all three. I dont think its right and quite frankly I call XXXX on your decision. The XXXX XXXX had maybe XXXX to XXXX transactions a month and NONE were disputed. You claim the reason you closed my accounts were because of that, why would I dispute the XXXX transaction I was making a month on that card when I received a credit for it? On top of that my amex business platinum is completely fine, I wonder why that is.. I was even able to open up a brand new platinum card. Youd think if I was abusing any system I would not be able to do that. Now XXXX at risk for losing my XXXX membership welcome bonus offer from my business gold all because you cancelled my card for an illegitimate reason before the XXXX  months were up. I worked every hard to achieve that bonus and prided myself on being a loyal American Express member for over XXXX  years now. I am not looking to reopen the personal cards, but at the very least have the business gold investigated and potentially reopened so I may AT LEAST keep my welcome bonus points. Again I do not agree with the reason it was closed I believe its illegitimate, reckless, and flat out distasteful to close a members account on baseless merit. There is no disputes on that card that abused the system and like I said if there was I did XXXX transaction a MONTH on that card. There was ZERO reason for it to be bundled up with my personal cards. My business platinum remains fine and I was able to apply for another platinum. PLEASE RECONSIDER THIS DECISION. SUPPORT WILL NOT ALLOW ME TO SPEAK TO INTERNAL TEAM. FIX THIS!
Product: Vehicle loan or lease

toyota motor credit list me as owner of the car when i never gave my permission for that
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$130.00} XXXX XXXX  {$420.00} XXXX XXXX  {$650.00} XXXX XXXX  {$660.00} XXXX XXXX {$240.00} XXXX XXXX {$1100.00} XXXX  {$850.00} XXXX XXXX {$890.00} XXXX XXXX  {$170.00} XXXX  XXXX {$250.00} XXXX  XXXX {$480.00} XXXX XXXX  is reporting different balances on different reports. Notified this company several times that my personal information was and still is reporting as being apart of a data breach with the accounts not being investigated properly.
Product: Debt collection

XXXX XXXX XXXX falsely signed my sons name to a contract for service. 
They also NEVER mentioned at the time of initiation that I was signing up for a 36 month term. In addition, the equipment was never installed correctly or functional. I called them many times in order to terminate this contract to no avail. 

Now, they have reported this debt to Mountain Run Solutions. I have contacted MRS many times with the offer to settle this debt and they have refused due to it being new debt. They only offered threats to report this to the credit bureaus. 

I am now being treated unfairly by two institutions without any recourse. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amen the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Iv'e recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I, XXXX XXXX mailed a letter to TransUnion asking for verification of debt regarding items ( XXXX XXXX XXXX and XXXX XXXX ) on credit report. On XX/XX/20 I received dispute results dated XX/XX/20 stating that the items are accurate with no proof of accuracy.
Product: Debt collection

I am unaware of the debt with Midland Credit Management. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If, in fact, you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Midland Credit Management didn't provide me with any proof that I asked for above because they never sent me anything through certified mail and they don't have my signature to prove that I received any proper notification from them. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher, but they have failed to investigate or correct the errors as required by law. If the furnisher can't provide the proof I asked for, they need to remove the negative account from the credit reporting agencies they report to. Anything less will result in legal action.