23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX-2017 I was notified by my credit monitoring service that my credit score had dropped. I checked my credit report and found that a company called XXXX XXXX XXXX XXXX XXXX Has posted to all three credit monitoring companies of a deragatory nature about a debt they are trying to collect. 

I have received no written, telephonic, electronic or oral communications in regards to their efforts to collect a debt from me. Furthermore I have found that the original creditor sold the debt to this company. I emailed the company and informed of all of this information and have asked them to close the account ( since they bought the debt, it has been paid and I am no longer obligated to pay it to the original creditor. Original creditor has since written off debt on their taxes. ) and I have not been contacted by the company. 

I have sent in dispute letters to all three credit bureaus explaining the situation and requesting the information new removed from my credit reports.
Product: Credit card or prepaid card

I paid Comenity credit card with a bank check ( XXXX # XXXX {$1800.00} ). The bank check was to pay off Comenity and move balance to my bank credit card. Comentiy received the check on XX/XX/2022. They applied the check and then immediately disavowed the check and charged me fees. I was able to speak to a Comentiy representative and they did not know why the check had been disavowed but said they would research and get back. They DID NOT. I used the email system on the website and was told to call them. I have called them more than 10 times. You press all the buttons and then the system hangs up on you. 

I contacted my bank, and they could not understand why the check was disavowed. I have been waiting for them to call back with the reason the check was disavowed. Still waiting. 

I sent another check # XXXX on XX/XX/2022 by registered priority mail. The bank check is good only until XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I talk to someone and we went through some of the charges and haven't heard anything since
Product: Mortgage

My loan began with Florida  Community Bank. In good faith effort to repay {$10000.00} for a short-sale balance due. This originated back in XXXX and was from a former line of credit. The documentation clearly indicates an excellent payment history. The load has a maturity date of XX/XX/XXXX. Over the past 6 years, I have made payments equal to or more than requested in a effort to avoid any late payments and repay the balance in a timely fashion. On several occasions, they have marked my payments late and have had to correct it by sending the credit bureaus letters of correction, which usually takes a month two for the correction to appear. In order to prevent this from happening over and over again, I spoke with the loan officer Ms. XXXX, whom I have dealt with many times in the past and has been very patient and incredibly helpful. Since the acquisition by Synovus, my payments have been showing up late and Ms. XXXX found that the bank refused our original agreement and decided to charge-off the account ; In turn, impacting my credit score negatively just as I was about to refinance my mortgage in order to lower my payments ( I have been forced to try and save due to the COVID-19 impact on our finances ). Synovus offered to reduce the balance if I paid 70 % in full. I have asked if they would consider 50 % to 60 % and clear my credit. It has been over 5 days and I have not heard back from anyone at the bank.
Product: Credit card

Bank of America is falsely reporting to credit agencies that XXXX accounts I had with them were discharged in a Chapter XXXX bankruptcy. They were instead included in a wage earner ( Chapter XXXX plan ). The notation of Chapter XXXX is negatively impacting a mortgage application I have pending because while it is permissible to obtain a mortgage with a Chapter XXXX it is not with a Chapter XXXX. This is a clear violation of the Fair Credit Reporting Act. These are the improperly reported accounts as they appear on my XXXX credit report : Bank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a customer of XXXX XXXX XXXX cards for over two years .I work as a XXXX and I'm a XXXX XXXX and I usually don't have time to check my credit due to my busy schedule. I finally looked into my credit report since I'm refinancing. it came to my attention that XXXX XXXX is reporting incorrect information on my credit file. due to the 30 days late I am being offered a higher interest rate on a mortgage loan but over the years it will cost a lot more. I don't recall paying late. My credit card has a XXXX  balance and I always pay my bills on time. The late is being reported on my file. I have been paying on time. I opened this account to better my credit and not destroy my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report after I complained last XX/XX/23 and I discovered that some of the information on my credit report was incorrect. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

sent affidavit of the issues caused by the data breach please correct the inaccurate information asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX XXXX WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies are violating my rights ; 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 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. I DID NOT give any of these companies permission to furnish these to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

There seems to be an authorized hard enquiry on my Transunion credit report with the name XXXX XXXX ( XXXX ) on XX/XX/2024. It looks like someone is trying to apply for credit cards under my name without my consent and authorization
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

Last week I checked my credit score and a account that was opened on XX/XX/2012 Of the amount of {$7200.00}. I was XXXX years old at that time. There is no way a XXXX year old is renting a apartment In XXXX XXXX. I am currently XXXX over seas, And I had no knowledge of this until it popped up. And my dad is in prison, so I had my sister get into contact with him and he claims he does not know my social security number. But he tried to blame his ex girlfriend which speaks no English. It Is hard to believe him when he used my sisters social to open a bank account. It also went to collections. so I had my wife call the company and they said my social security number matched but the birthday did not. My father and I have the same name which I have a feeling it was a mistake from the Apartment staff or he straight up used my Social. My wife gave me a email address to let them know what is going on, so I emailed them everything I knew and also summited a dispute on XXXX XXXX. I am still waiting to hear back from the Collection company.
Product: Vehicle loan or lease

I have a loan with Chrysler Capital. My ex wife had filed Bankruptcy and the bankruptcy was final on XXXX of XXXX. I was not aware of the decision that XXXX XXXX had made with the act. I understand the fact about bankruptcy privacy law and do to the fact that ex wife was a co applicant. After that my wife and I were having difficulties with our marriage split up and divorce. Now I requested XXXX XXXX to explain to me what was goin on with my act. All I got was the run around. Finally i call on XXXX the XXXX XXXX and spoke with a young XXXX female and she explained to me that. They decided to forgive us for the bankruptcy. Since XXXX of XXXX i continued making regular payments to the vehicle. The young lady stated that they were not going to release the title till they get the full payment of XXXX. I asked her what i needed to do to get them to continue bssns she stated that i needed to refinance the vehicle with another finance company. I asked her what about the pmnts i made for a full year? She stated that it was voluntary ... I asked voluntary? All thia time i was making pmnts thinking everything was ok. Then i called the Credit bureau and asked for all three reports. Since i have brought this truck last year not once have Chrysler Capital reported my payments before the bankruptcy. I feel i have been discriminated against and filing a compliant on this matter. This is my first vehicle and last do to the experience that Chrysler Capital made me feel discouraged. Now I am asking for all my full pmnts that was made to Chrysler Financial plus the title to the vehicle. I will give them some time to review this complaint. Mean while if they do not meet my demands this matter will be taken on a civil action. Thank you for your time God Bless.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Credit THE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # 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 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, credit repair services, 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. 

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, 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 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, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

I have a new collections account showing on my credit report that should not be there as I have no knowledge who the account belongs to as my name is XXXX XXXX and the account is under XXXX XXXX. I have received a collection letter in the mail and asked for verification and the letter I recieved in return stated that it is for XXXX XXXX XXXX when all of my XXXX XXXX XXXX accounts are up to date and active listed under my name XXXX XXXX. This account should be removed as I have no prior knowledge as to how an account can even be opened under a name that isnt showing on my license or ID. The company has been extremely unresponsive when it comes to correcting this matter as the letter I sent asking for validation was not a true debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ] Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX  XXXX-Alabama Account XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-JP  Morgan chase Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
Product: Debt collection

Was emergency bill that insurance paid most and I paid the balance over 4 years ago
Product: Prepaid card

On XX/XX/XXXX at XXXX AM I was notified by my phone that there was a transaction from Cash App, which made my Cash App balance negative. I immediately looked at the transaction and did not recognize the merchant. XXXX the merchant and got too many answers to even figure out who to contact directly because I didnt make this transaction Immediately afterwards, I contacted Cash App and within a few hours I was denied by Cash App and the reason was I authorize the transaction which is completely untrue. Not only did I not authorize this transaction I do not know who the merchant is I I wasnt even awake when it was made. It wasnt made online or on the phone by me. I also explained to Cash App that they should be able to see that my card was not only locked, but it didnt even have enough funds in the account. I looked up what to do when your account is in negative balance with Cash app and why it happens and none of the reasons were applicable to me. I didnt authorize it. I did not tip anyone and there were any late charges with this merchant.
Product: Debt collection

On XX/XX/19 I sent a letter to the credit bureaus asking them to validate the debt from Caine and Weiner because I was unfamiliar with it. XXXX   removed the account. XXXX  continued to report the debt even though it could not be validated. On top of the debt not being validated. There is another company collecting on the same debt. How is that possible when the law states that only one collection company can collect on the debt? 
I requested validation from Caine and Weiner on XX/XX/19 and I never received the proper documents and they have yet to remove the account from my credit XXXX Credit report.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX I gave up on Wells Fargo, because I can not continue to address the FRAUD on my credit card that occured in XXXX, Washington and was reported to Wells Fargo immediately in XX/XX/XXXX. I requested a Wells Fargo letter head in response to who is the goverment agencey lawsuit / settlement that is incharge of settling the illegal accounts that were opened under my name without my knowledge or consent. Also, the services that I did not authorize in California ( XXXX XXXX XXXX at the XXXX XXXX XXXX, Whomever the person was on the other phone line did not help me once again. As I have addressed with Wells Fargo, I have a Police Report in XXXX, Washington which has the names of the person who claims my identity. There is a workman 's Comp physician and workman 's who has legal patient and client documents. The state of Arizona has also notified me that a call came out of XXXX XXXX XXXX claiming my PUA unemployment and my identity. 

I do not answer questions over the phone to unknown people as I have reported to Wells Fargo Executive Office. Phone requests from prison are more than enough to receive! 
Why would I devulge my personal information to a stranger or strangers claiming to be from Wells Fargo? I b When I had to drive to a Wells Fargo bank in XXXX, AZ where my accounts were purged against my knowlege and requested the phone number to call to GET what the courts awarded and settled in the lawsuit with other victims, no one responded as usual to assist my ongoing attemps I sent an email to the accountable person that the XXXX XXXX manager presented and no response. 

This woman did not answer my legal questions to assist me to END this horrible nightmare and continued the ongoing fight to obtain what others have received in the lawsuit. She stated, '' She doesn't have any idea what I'm talking about. Continual lies from Wells Fargo evading customers year after year. 

I WANT THE RESPONSIBLE PARTY TO SEND MY LAWSUIT CHECK to my address as provided to Wells Fargo on numerous occassions. I want to rid and end Wells Fargo in my life!! 

Sincerely, XXXX XXXX.
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 XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX have Violated My Rights : Account Number XXXX 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 an 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, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting child support that was mistaken showing up on my report in XXXX when DSHS made a mistake with wrong XXXX. 
This account needs to be removed completely from my credit report as requested several times. 
XXXX XXXX XXXX Account Number - Balance XX/XX/XXXX Date Opened Paid, Closed/Never late. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was submit a complaint with XXXX XXXX  about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed onXX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a problem with XXXX/XXXX XXXX Reporting. 
I filed a complaint and have been dealing with XXXX XXXX a Senior Specialist with XXXX XXXX XXXX. ( XXXX ) XXXX. 
Several weeks ago she told me the wrong reporting to the three Credit Bureaus showing I owed a balance greater than my credit limit, would be fixed on XXXX/2017. 
I spent 3 hours on the phone with XXXX XX/X/2017 reviewing items already returned as delivered defective which I should have a store credit on to totaling close to my credit limit. I contacted XXXX XXXX to timely pay my balance off so it would properly report, they refused, so I contacted XXXX XXXX to correct this an my multiple calls have not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters and XXXX card company and bring to their attention that they were reporting this account in accurately and demanded them to remove this account from my credit report. Ive sent my repot showing it was not being reported accurately and it should be changed or deleted. Under the fair reporting act my rights were violated and they refuse to do anything. If you can see how they are being reported to the three credit agencies the late payments, the status and first reporting dates are all different.