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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 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 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, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I asked for a debt validation and recieved no response from XXXX XXXX XXXX ref # XXXX in the amount of {$6600.00}. Now I Have Unifin trying to collect on the same debt. The XXXX ref # XXXX
Product: Checking or savings account

On or around XX/XX/XXXX, I opened personal deposit products with Comenity Direct, now Bread Financial. For much of this time, transactional and security emails have been delivered to my spam folder on XXXX. The explanation provided by XXXX is that " The sender hasn't authenticated this message so XXXX can't verify that it actually came from them. Avoid clicking links, downloading attachments, or replying with personal information. '' I notified Bread Financial of this issue XXXX times, all with no response. The date of these notifications were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The method of notification was by sending an email to XXXX, which is listed on the bottom of the transaction alert emails as well as on the XXXX XXXX XXXX XXXX and Deposit Account Terms page. Despite my own action of clicking " Looks safe '' and " Not spam '' in my XXXX account numerous times, as I can recognize these are legitimate emails from Bread Financial, new messages are continually delivered to the spam folder. Bread Financial does not offer monthly paper statements. Instead, paper statements are available only by request and seemingly with a {$5.00} fee. Therefore, I have no reasonable choice but to receive this information by email. Some of the emails which were affected are important security emails, such as a notification I received on XX/XX/XXXX after I removed the authenticator app verification requirement from my account. If this were not an action done by me, Bread Financial 's poor email practices could result in consumers facing a financial loss if they are not notified of fraudulent activity. It is my hope that this complaint puts the issue described above in front of the right team so it can be addressed appropriately. I will be attaching screenshots to support the information above. Thank you.
Product: Debt collection

XXXX is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when Credit Collection Services was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet XXXX has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and Credit Collection Services specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to XXXX who is now illegally attempting to collect it from me. Either XXXX knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or Credit Collection Services lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working trying to buy a car and the strangest thing happen. I was told about a Bankruptcy from New York ; however, I live in the great state of Mississippi. I sent one of those dispute things to LexisNexis because the credit place said they used LexisNexis to verify this type of information. It has been over 30 days and I've heard nothing from LexisNexis. A lawyer told me they had 30 days to respond and if they do not that is a violation of the FCRA. I have not heard anything from them - and I need this negative information removed from my credit report and LexisNexis reprot.
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX XXXX never XXXX XXXX Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone attempted to purchase a 2009 XXXX XXXX through Shift. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life. 

Equifax Also fix your effing dispute UI. YOU CANT UPLOAD DOCUMENTS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX was closed without any negative reason for closing. 

After viewing my consumer report with early warnings, it was reported on XX/XX/2018 by XXXX, that the reason for closing my account was as followed : Obtaining ( or attempting to obtain ) a new banking relationship or taking over ( or attempting to take over ) an existing banking relationship using : ( a ) all or part of another individual 's identity and/or credentials ; or ( b ) a fictitious identity and/or credentials. 

Which is totally FALSE. I spoke to XXXX about this matter and they say that they didn't report this. XXXX says that XXXX XXXX made a mistake and that the ABA number on the case is not even correct. 

Contributor : XXXX XXXX - XXXX Contribution Ref # : XXXX ABA Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX SSN/Tax ID # : XXXX
Product: Credit card or prepaid card

XXXX I opened a Capitol One Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.
Product: Mortgage

My daughter and I applied for an assumable mortgage ( {$150000.00} ) and were denied for vague credit reasons. This is despite : -providing in excess of XXXX  documents -having credit scores of XXXX and XXXX respectively -produced documentation of having in excess of {$670000.00} in liquid assets -having a combined annual income of {$190000.00} -having no substantial debt or liabilities. 
It is our understanding that there are criteria that we have to meet to assume the mortgage that are clearly defined. We can't understand how it is possible that we didn't meet those requirements and have been denied for undisclosed reasons. We feel that we were denied either because of my age ( XXXX ) or because the Chase simply doesn't want to allow us to assume the low rate. We will provide any documents or information requested.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I am unsure as to where this is furnishing from and why, but I noticed on my credit report 3 separate amounts reporting XXXX, XXXX and XXXX. I never received a bill for this at all, nor am I aware as to where this is furnishing from. I then found a bill with a single item of XXXX which is the sum of these three amounts. There is no itemization whatsoever on the one bill received. Again, I still don't even know what this bill is. However, why is a single bill being reporting as three separate items to my report. Is any of this even legitimate.
Product: Debt collection

I have been making installment payments on a charged off credit card for several years to a company called Hunt and Henriquez. I have requested several times to get original information about the debt which was XXXX XXXX, and I have also requested a break down of the original debt vs payments made, etc., and finally I have made several attempts to settle the balance and the company is uncooperative and does not give me any proof of balance or credits. My bank statements show the payments, but it seems like I have paid over the original card balance by this point. they also do not return phone calls. their representative XXXX only discusses my file if I call there and get ahold of her, she never calls me back. Which I have phone records to prove that.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted XX/XX/2021, and spoke with XXXX XXXX of XXXX XXXX XXXX in XXXX, CA. He said I was being sued for a credit card debt by Wells Fargo for is {$11000.00}. He was verifying if I am the person on file, and said that I was being named as a defendant in a lawsuit for the above amount, by Wells Fargo. He had a lot of correct information about my current address, former addresses, my employment, and family member names. He gave me the credit card account number, and dates it was opened and closed. I denied that the credit debt was mine and he said I may be a victim of fraud. However, since I confirmed I was the person on file, they will move forward with the lawsuit and begin the process of wage garnishment. I contacted Wells Fargo and they have no record of any credit cards in my name or under my SSN. I believe this company is fraudulently trying to collect money using the threat of lawsuit.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I received a notification from my bank that I had {$300.00} charged from my savings account by Flexshopper, which put my account in the negative. I immediately reached out to the company for clarification and learned that when I had discussed a solution for addressing a past due amount of {$300.00} on XXXX XXXX that I would be charged twice that week on Friday the XXXX of XXXX. Since XX/XX/2024 where I used Flexshopper at XXXX XXXX  for critical auto repairs, I have been making weekly payments of {$100.00} ( which was already {$36.00} more than I was told I would have to pay on their website when I was approved for {$1700.00} / with monthly payments of {$64.00} ) and had missed a few payments due to employment issues and already had been struggling with them suddenly double charging me in a week so I would have {$200.00} being taken out of my savings and putting me in the negative, I wanted to get this issue sorted out as soon as possible. Instead not only was I not charged at all on that day but they had added an additional {$100.00} for this week, leading to the {$300.00}. 

I have reached my breaking point with this company as theyve throughly messed up my credit and my fathers credit as hes attached to my bank account, Ive missed rent and utilities days because theyve taken any savings Ive had out of my account and customer service was next to impossible to get ahold of. Especially as Im only {$180.00} away from paying back what I originally borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this debt with the credit bureau as I had never received any notice of collection on this debt. 
On XX/XX/2020 I called Hawkeye Adjustments and asked that I be sent documentation of my debt. I was told that it was not in their policy to give out confidential information and that there was no documentation of my debt as the previous owner no longer existed. I was told that the only way for me to get a bill or statement of the debt was to send in a self-addressed envelope with postage. 
On XX/XX/2020 I called again but they were closed. 
On XX/XX/2020 I called again. This time they said they would send a copy of the collection statement. 
On XX/XX/2020 I received the bill in the mail.
Product: Mortgage

My monthly mortgage payment is {$880.00}. In addition, I will includes funds in excess of {$100.00} as monies for additional principal payment. In the past, my lender has applied these additional monies to the principal but recently the lender has begun a practice of suspending the additional monies for a period of 30 days while the principal interest is still accumulating allowing the additional principal payment to be negated.
Product: Credit card or prepaid card

Hello. I want to say that it takes a lot for me to complain about a company, but I have been dealing with this for over a year. I had a PayPal Mastercard that was erroneously closed, because Synchrony stated, " I was placing stop payments via my checking account with XXXX XXXX which resulted in returned payments. '' I have contacted my bank numerous times, with the most recent call made today at XXXX HRS, to make sure there was not a stop payment on the account nor a block on PayPal. I have contacted PayPal numerous times on or around the due dates ( XXXX of each month starting from XXXX of XXXX ) to delete and re-add my checking account to the automated system. What no one is able to tell me is why my PayPal credit account, using the same banking information as provided for my PayPal Mastercard account, goes through without a problem via auto pay. To pay my Mastercard account, I have to manually enter in a payment. The most recent payment was scheduled for XXXX XX/XX/XXXX and was cleared by my bank on XXXX XX/XX/XXXX. I have a transaction ID from PayPal, identifying the payment, and a screenshot of my bank details showing the payment withdrawn from my account. I was informed by PayPal to have my bank send a letter indicating that there was not a stop payment and that the payment went through, when in the interim, to make another payment. I was asked to send a letter the same way in XXXX of XXXX and did not receive any other correspondence nor contact from PayPal. I called my bank today and both representatives informed me of the same information : no stop payments, no blocks on PayPal, and that the payment of {$150.00} went through. The second representative even stayed on the line to conference call PayPal but was disconnected after entering all of my information. I called PayPal again at XXXX with another representative asking for another letter but this time to fax it at XXXX with attention to Synchrony PayPal Mastercard. I am upset about this whole situation, feeling like I am in the wrong and an irresponsible customer. I am at a loss. I also want to inform the FTC that if a manual payment is entered, the automatic payment is canceled for that month ... another flaw in their system that two other PayPal representatives identified but had a supervisor argue with me again with the perception I was the wrong one.
Product: Debt collection

I chatted back about CFPB XXXX the {$42.00} debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from XXXX I required y'all to stop trying to collect the debt and close the account out and send it back to XXXX XXXX. Client Account Number XXXX and XXXX XXXX XXXX Account XXXX updated because this is the second time y'all tried to collect from it when I disputed it with y'all but they sent the account back to y'all new account number is XXXX I want y'all to dispute it and send the account back to them again and also stop trying to collect from it if they send it back to you with a new account number or the same account number I says etc.