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

This is my second request for deletion of accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX
Product: Debt collection

These accounts are not mine Ive been XXXX since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : LVNV Funding acct XXXX, XXXX acctXXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts are violating my rights and must be removed immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows XXXX XXXX and XXXX XXXX on my credit file. 
I have filed an identity theft report and have the police report. I sent the paperwork to Experian and have removed them. But now they are showing it back on my credit file. I've called Experian but they are asking for an identity theft report from the local law enforcement agency which they have ... 
The XXXX and XXXX are stating that it is mine but would not release documentation. 
Other bureaus, XXXX  and XXXX  have removed except Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

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, credit repair services, or other personal consumer reports

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XX/XX/XXXX, XXXX is an account with XXXX XXXX XXXX with account number XXXX on my creditreport that was opened on or around XX/XX/XXXX. 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of them.
Product: Debt collection

I purchased a vehicle from XXXX and was financed through Santander Consumer USA Bank. The vehicle Was taken back by Santander in XX/XX/2016. Santander sold the vehicle and reported a balance of {$8000.00} to my credit report. Every month since XX/XX/2016 Santander has reported a different balanced owed as well as different loan terms then I actually initially signed for. Santander has also reported different amounts to each of the credit bureaus. They have also had over {$8000.00} worth of interest on a vehicle that they have already sold and was not stated in the intitial agreement that this would happen if a vehicle is repossed and sold at an auction. I made over {$5000.00} worth of payments to Santander when I had the vehicle and I have no idea where the money went. They also gave me a 26 % interest on the vehicle without verifying any check stubs or proof of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account in collections was paid in full XX/XX/17, the XXXX and XXXX had no problem updating the account. Transunion fails to update this account from XXXX XXXX XXXX after being disputed. They continue to validate the balance which is incorrect as well. The managers of XXXX XXXX XXXX have reached out to Transunion in multiple ways and there are still no updates. We can not dispute this account any further due to our mortgage underwriting, and our previous 2 disputes were ignored. We've spoken with 11 different people from Transunion and they are still reporting inaccurate information further affecting my ability to close on my home purchase.
Product: Student loan

I called Citizens Bank on XX/XX/XXXX to notify them that I would be unemployed after XXXX XXXX because I was moving back home to XXXX from Texas to assist with the care of my great grandfather ( who is also the cosigner for my loan ). He is currently in a nursing home and doesn't have extra income to help me with payments. 

I was told on that initial call that I needed to pay the rest of my late payment, and then I would qualify for forbearance and to call back the next day to initiate the process. I called back the next day after making the payment, and submitted my application through the representative on the phone. I was told I'd receive an update between 5-10 business days. 

I called again on XXXX XXXX after 7 business days because I noticed my account had not been put into forbearance or deferment. The representative resubmitted the application on that day after I gave them the same information. 

I called again the following week prior to the holiday to get an update, and was told that my request was still processing. 

I have received numerous email notices about my late payment which I can not pay because I no longer have an income. I have not received any paper notices in the mail about the decision or application confirmation or any email notices or updates about my forbearance/deferment decision.
Product: Student loan

On XX/XX/XXXX, I refinanced my private student loans from XXXX XXXX to XXXX by FirstMark Services. My refinancing was set at a fixed interest rate of 5.48 %. In XX/XX/XXXX, my loan was transferred from CommonBond by FirstMark Services to My Loan Manager by FirstMark Services. Upon transferring, I was not able to access my account for months. When I did, I discovered that my new interest rate was set at a variable interest rate of 9.42 %. I tried calling to remediate this, but was told to look into a new refinancing plan with another company as a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 Experian added a collection on my report ( {$1300.00} ) from XXXX XXXX XXXX for the same charge which was deleted on XX/XX/19. They allowed a collection agent to place a debt on my report which the company previously investigated, found to be false and deleted. This is fraudulent and illegal. I believe experian is selling my personal information to outside collection agents.
Product: Money transfer, virtual currency, or money service

On the XXXXXXXX XXXX XXXXXX/XX/2023 Wells Fargo contacted me to inform me there was an attempt to transfer money from my business account. After confirming it was not me trying to initiate the transfer they asked me to fill out the address section on the wire transfer contact card with my own address to initiate an account freeze which it did. My accounts were all frozen at XXXX XXXX I was informed they would make contact in the morning around XXXX which they didnt so I called them at XXXX. This is when I was informed they had unlocked my account without my authorization and released the money to a XXXX. After much being run around and my claim to return the money being denied I was told if I got my phone records showing that I didnt call In to unfreeze the account and release the funds this would show that the transaction was fraudulent. I got the phone records and they indeed showed that I did not call Wells Fargo. I submitted them as they told me to. I was then informed again that my claim was denied and they were still considering the incident a scam. At this point a requested some sort of proof that this was not an employee of the bank committing fraud which they will not provide. Since I have shown that my account was accessed without authorization the bank had broken its security protocols and unfrozen my account allowing unauthorized transfer of funds.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY INFORMATION TO FROM YOUR SYSTM AND IT'S XXXX MY CREDIT, PLEASE UPDATE THE INACCURATE INFORMATION TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX paid debt collector XXXX XXXX   IN FULL. 
XXXX XXXX, XXXX XXXX RE SUBMITTED THE account as a NEW COLLECTION, PAST DUE AND LATE PAY YO EXPERIAN XXXX 
EXPERIAN did NOT NOTIFY me for 25 days this had occurred. They did not put an alert in my credit report. They processed the NEW COLLECTION ACCOUNT and deducted 16points. 
I filed several disputes regarding the duplicate COLLECTION account filed. It had the same account number, same debt collector. What changed was the date opened and the amount owed. The NEW COLLECTION ACCOUNT REPLACED the original collection acct opened in XX/XX/XXXX. XXXX XXXX CHANGED THE DATE OPENED TO XXXX XXXX, XXXX, the day AFTER the debt was PAID. The NEW COLLECTION ACCT also showed a debt of {$0.00} owed. EXPERIAN PROCESSED THIS DEBT OF XXXX AS A NEW COLLECTION AND ALSO A PAST DUE AND LATE PAY, ALSO FOR {$0.00}. 
This was the 2ND NEW COLLECTION PROCESSED BY EXPERIAN FOR XXXX XXXX. XXXX WAS REMOVED THE SAME DAY BECAUSE AN ALERT WAS GIVEN. 
THE ONE I HAVE ISSUE WITH, IS XXXX XXXX. THERE ARE 3 DISPUTES WHICH THEY NEVER COMPLETED, ALL ABOUT THIS BEING THE SAME ACCOUNT NOW FILED A SECOND TIME. I HAVE TALKED TO 18 DIFFERENT PEOPLE, BEEN HUNG UP ON, AND MY INTELLIGENCES DIRECTLY INSULTED. 
I HAVE A XXXX IN XXXX XXXX FROM XXXX. I KNOW I AM 100 % in the right. My FICO SCORE HAS been damaged as well as my credit history. I filed 5 disputes. Not one answered my dispute of this NEW COLLECTION OR THE POINTS DEDUCTED. AS A RESULT, I WAS DENIED CREDIT AND FURTHER POINTS DEDUCTED. A TOTAL OF 19 POINTS WERE DEDUCTED FOR 3 CREDIT INQUIRIES. POINTS WERE AWARDED AND TAKEN THE SAME DAY WITHOUT ANY REASON. MY  SCORE HAS NOT RECOVERED THE GAINS I NATURALLY MADE DURING THIS PERIOD. I NEVER RECOVERED THE POINTS DEDUCTED FROM HAVING THE NEW COLLECTION ACCOUNT SUBMITTED. IT WAS NOT REMOVED FOR OVER 45 DAYS, DAMAGING MY CREDIT WORTHINESS. EXPERIAN ALLOWED XXXX XXXX TO RESUBMIT AN ACCOUNT ALREADY PAID TO XXXX. THEY ALLOWED A PAST DUE AND LAYE PAY TO BE FILED ON A DEBT IF XXXX. EXPERIAN WITH HELD NOTIFICATION TO ME FOR 25 DAYS, DESPITE THE ACCOUNT WAS IN DISPUTE. THE DELAY PREVENTED ME FROM TAKING IMMEDIATE ACTION TO CURE THE PROBLEM. THEY REFUSE TO ACKNOWLEDGE THIS AFFECTED MY CREDIT, BUT THE VOLATILE SWING IN POINTS FROM XXXX TO XXXX TO XXXX TO XXXX AND BACK TO XXXX, SHOWS THE AFFECT. ALL THIS IN TWO WEEKS TIME. EXPERIAN FAILED TO UPHOLD THE REGULATIONS IN PLACE TO PROTECT CONSUMERS FROM PREDATORY DEBT COLLECTORS. THEY FAILED TO PROMPTLY ALERT ME OF THE FILING, WAITING 25 DAYS AND ALLOWED MY CREDIT YO BE DAMAGED. THEY FAILED TO COMPLETE 3 DISPUTES IN REGARDS TO MY COMPLAINT. THEY CLAIM TO HAVE NO KNOWLEDGE IF THUS NOW. I HAVE ALL THE REPORTS WHICH ARE STILL VIEWABLE ONLINE. THEY ARE PLAYING GAMES .THEY RUINED MY CHANCES TO OBTAIN A CAR LOAN. MY PAYMENT HISTORY HAS BEEN EXCEPTIONAL AND I STILL CANT RECOVER FROM THIS DEBACLE.
Product: Debt collection

This complaints is directed to a company called AFFIRM Inc. They've been trying to collect from me the amount of {$780.00} plus interest even though the money they've loan got refunded by the airline company aka ( XXXX XXXX ). The situation started when I book myself on XXXX XXXX for XXXX XXXX and apply to AFFIRM Inc. to cover the payments. But upon 10 days before the flight I receive an email from the airline Co. that they are canceling the flight due to the country ( XXXX ) is on lock down because of Covid 19 increase cases in the country for a month. I naturally inform them immediately of the situation by calling them and informing the on their website which lead to email correspondent. Upon informing on what's happening the only answer they told me is that they will get back to me after they confirm about the situation. After that I did not heard from them so I follow up by calling and taking to one of their customer service representative about status of the cancelled transaction which she inform me that there's no answer yet. After XX/XX/XXXX I receive an email telling me that I am past due on my payment so I decided to check with the airline Co. if the funding they covered for the booking got refunded. My answer from the XXXX XXXX is YES they got refunded automatically due to the cancellation. I email them of what the airline co. inform me and told them that I do not owe them any payment cause the service has not been rendered and the payment was refunded to them back. After that they automatically keep billing me and I email the back reminding them of the refund they already receive. After a month later I've been checking my FICO score thru XXXX and that's the time I've discover that my score drop down tremendously to good to bad because of their claim that I am not paying on time even though I did not pay them at all not a single cent. I have file a complaint about the issue thru XXXX they said that they will send the topic to AFFIRM Inc which they did nothing about it and they continued maintain that in my record. I again file complain to XXXX telling them I got records and evidence which I send to them by mail. I call them to do a follow up they acknowledge that they receive my document and inform me that they do not want to anything about it and that is the time they inform me to go to your website CFPB to present my problem to your organization. I am hoping you can help or find me remedy to my problem. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I inquired to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. As a result, XXXX XXXX XXXX XXXX XXXX did a hard inquiry into my credit report and reported it to Equifax. 

This was totally unnecessary as a soft inquiry would have been sufficient to provide them the information they needed. I ultimately did not use XXXX as their prices were too high. 

I have accounts with XXXX, XXXX, XXXX XXXX, & garbage collection utility providers for my house. None of these have ever done a hard inquiry when establishing or moving to a new location. If necessary, a soft inquiry was always sufficient.
Product: Credit card or prepaid card

I applied for a XXXX XXXX MasterCard offered by Barclay 's bank on XX/XX/XXXX due to an appealing limited time promotional offer of XXXX miles if $ XXXX was spent within the first 90 days. I would not have applied for this card but for this offer which I found to be worthwhile as I want to plan a trip to Hawaii soon with my new family. I am in Compliance myself so in early XXXX called to confirm if the 90 days was based on calendar month or count of days and was informed by a Barclays employee that my deadline was XX/XX/XXXX to earn the XXXX bonus miles ( unfortunately I failed to write down his name ). 

I spent the following by the cut off date : XXXX {$32.00} XXXX {$180.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$55.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$2200.00} * This item was a refrigerator purchase which was later returned ( actually exchanged ) and I received a partial credit back minus delivery fees in the amount of {$1500.00} on XX/XX/XXXX. That said, my XX/XX/XXXX purchase more than met the {$2000.00} spend requirements by the XX/XX/XXXX deadline. 

The written terms said it could take 6-8 weeks after the 90 days period ends for the miles to be credited to my account so I waited for that time to pass which would have been the end of XXXX. I did not see the credit in my XXXX nor my XXXX statement so on XX/XX/XXXX I called and spoke to XXXX in Customer Service who reviewed my account and confirmed I should have been credited the miles. She said she would open a case for my account to be reviewed but that it could take another 30 days for that to occur. I asked to speak to a manager and was transferred to XXXX. He reviewed my account and explained that I missed the cut off by 1 day because they count the 90 days differently than I was informed when I called in XXXX. He said the case XXXX opened for me was the only way to get my situation reviewed. I informed him I would be contacting the CFPB and he understood. 

I feel it was unfair and deceptive that a ) I was not issued the rewards promised with a marketing advertisement after meeting all the qualifying requirements b ) I specifically called for the cut off date and was misinformed but am now being penalized for it, c ) being forced to wait another 30 days for a resolution given my miles should have posted to my account by end of XXXX. I also think it is highly misleading to market things in a way that is not consumer friendly ; when you think of 90 days past XX/XX/XXXX, the reasonable consumer would conclude that that would mean that you have until XX/XX/XXXX to meet requirements. Factors such as shorter months or leap years don't tend to factor into normal scheduling. The disclosure should have instead read something to the effect of 'within 90 calendar days of account opening which may fall on a different date depending on the number of days in a month '.
Product: Debt collection

BANK OF AMERICA WON'T RELEASE MY FUNDS. I RECEIVE XXXX XXXXXXXX and BOA SHOULD have protected my funds.BOA withheld {$120.00} for their legal fees and {$100.00} to the attorney XXXX and XXXX. BOA received a garnishment and enforced it on XX/XX/XXXX. On XX/XX/XXXX, attorneys at XXXX and XXXX sent a release of funds to the Bank of America and to the courts. This ( XX/XX/XXXX ) morning I was told they still had the courts garnishment in place and BOA would not release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX : XXXX {$2200.00} XX/XX/XXXX XXXX XXXX : XXXX {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX : XXXX {$1100.00} XX/XX/XXXX Inquires I do not recognize XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX-Equifax-XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out the loan on XX/XX/year>. The loan was for {$700.00} & now the payoff amount is {$900.00}. I told them I only get paid once a month & they take money out of my account twice a month at XXXX $ each time, so XXXX $ per month. I cant afford this & I have told them on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting old addresses that I no longer live at and I have provided them the correct address, but they claim it is not correct per the us postal service. I receive mail everyday and their correspondence from my complaint letters. I want them to post my current address and remove all others from my file as they can not be verified any more as I no longer live there or receive mail there, they are enabling identity fraud.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery company sent a request to XXXX on XX/XX/year> for all the Credit bureaus to remove or delete XXXX and XXXX from my credit report. XXXX FURNISHER did not remove from my credit report.
Product: Debt collection

I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me.
Product: Debt collection

I had a XX/XX/XXXX Honda Accord, which finally not working in XX/XX/XXXX after running for about 17 years XXXX totaled XXXX miles ). The car was filed as non-operational with XXXX. So, XXXX day some guy left me a note on the car asked if I 'm interested to sell the car. I called the guy and he came and towe the car away. I ask the guy for his personal infomation and went to XXXX and filed the release of ownership ( see attached XXXX record ). However, a few weeks later, I received a letter from the Police saids my car was parked on the side of the freeway and then was towed to a towing yard. At the same time I received a collection letter from Finex Group, acct # XXXX saying I owed {$2900.00}. I called and told them the car is not mine anymore, but they keep insist that I 'm still the owner. I told them I have the XXXX record to show the car is not mine anymore. However, they refuse to remove from collection. I think this is some kind of scram. They purposely buy cars from owners and left them somewhere and then have towing company tow it to their guarage and trying to collect from original owner. I would like CFPB to seriously look into this matter and have this item remove from my credit report. Thank you so much. XXXX
Product: Debt collection

Sent a letter to Dispute of Inaccurate Charge-Offs on My Credit Report
Product: Debt collection

I contacted this agency in regards to this claim. I was told by a representative that this account was listed in error. The information on this account is not even my social security number so therefore was a data entry error on this agency 's side. I explained that this internal error was affecting my credit score. I spoke to a supervisor and was told that they are unable to fix this issue and I must dispute this directly with the credit bureau. I feel that this is unprofessional and that it is their responsibility to fix this error since they created it.