23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I opened a complaint against Rent Recovery Solutions and stated " XXXX XXXX opened the account on XX/XX/XXXX ( 4 yrs, 11 mos ago ) following my acceptance onto XXXX  XXXX I was told I no longer was liable for the amount through their management agency. Please remove this immediately. '' The company ( Rent Recovery Solutions ) responded the next day ( XX/XX/XXXX ) and stated " We are holding this account for no reporting pending a re-investigation into the complainant 's claim that she was told that she would no longer have liability. Unless and until we can complete that re-investigation with the community, we will neither collect on nor report this account to any credit bureaus. '' As you can see from the attached image the company has continued to negatively report this on my credit report multiple times after they stated they would no-longer do so. 

Before moving from " XXXX XXXX '' I was taken into the emergency room twice by XXXX and I checked myself into the XXXX XXXX XXXX XXXX where I was kept over night and treated for XXXX XXXX, XXXX, and XXXX upon given medications for my XXXX XXXX. Being that I had no family in XXXX XXXX I had no other choice than to move back to my home town 3 hours south in XXXX, Texas so that I could get the support and help of my family and medical professionals. After moving back with my grandmother, countless doctors, XXXX, XXXX, and professionals I was determined XXXX dating back to XX/XX/XXXX. 

I have medical documentation that I showed, and gave to the ORIGINAL company " XXXX XXXX '' front office staff at the time I had to leave my lease for medical reasons. They confirmed and spoke with their manager at the time, who agreed that due to the circumstances I would not be liable for this then, now, or in the future. 

This needs to be removed from my credit immediately so I can move forward with my life. This should have been removed completely on XX/XX/XXXX when the company stated they would do so, however I 've been waiting for this to get removed for several years. If you need any further documentation, I 'd be happy to provide it to you.
Product: Money transfers

I entered into an agreement with a virtual account seller and after agreeing upon initial payment and after receiving said payment the seller than says that the price had changed and to get this account I must pay an additional amount of which I did and the seller than states that I sent it to the wrong account after I had followed his directions. He never made mention of this other account until after receiving the second payment.
Product: Credit card or prepaid card

Started a Credit Card through XXXX XXXX with XXXX XXXX. Set up automatic payment with my checking account. XXXX  XXXX sold the account to Comenity on or about XXXX of XXXX. XXXX   XXXX did not send information regarding automatic payment to Comenity and I was not informed of the change in ownership for the account until I received a late payment notification on or about XX/XX/XXXX from Comenity. I call comenity and requested full payment of my outstanding balance on XX/XX/XXXX and I made the stated payment of XXXX on that date. I received this date XX/XX/XXXX notification of 2 late  payment statements on credit report from Comenity and a balance remaining of XXXX. Comenity was called and stated the late payment was assessed at XXXX XXXX XXXX XXXX on XX/XX/XXXX after my phone call. They stated they would be unable to remove this late fee and will not be able to remove the incorrect late payment notification from my credit report. I paid my account by automatic debit from my checking account, was not informed of the change from XXXX XXXX to Comenity, paid my account in full as soon as I was informed, now have a late fee remaining on my account which was assessed after my full payment and have two negative reports on my credit. I believe I have acted in good faith in the situation and believe that comenity should wave the late fee assessed after my payment in full and remove the negative statements from my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Bank account or service

I want this company ( Xoom ) to remove all my information from their website. 
I want my name, date of birth to be removed because I do not trust them. 
They do not give an option for the customer to remove their personal information on their website.
Product: Debt collection

The Court has explicitly stated that bankruptcy should not be reflected in my credit history, and there is a deficiency in ensuring accurate reporting on your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by Trans Union while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. XXXX XXXX  provided a letter stating that XXXX XXXX did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to XXXX, Transunion and XXXX that they were reporting incorrect names and addresses on my credit report. TransUnion responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

XXXX mailed my dispute results and removed some names and one address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has one social security number. It seems to me XXXX is allowing fraud. 

The FCRA imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per FCRA, the credit reporting agency is not in compliance by knowingly reporting inaccurate information
Product: Debt collection

On XX/XX/2021 an account was opened using my identity by a company named Security Credit Services and has since been placed on all three of my credit reports as an account belonging to myself. I have no knowledge of this alleged debt and have never heard of such company. I tried on several occasions to make contact with Security Credit Services and on my third attempt, I was transferred to three different people who said they had no record of an account with my name. This has become a nuisance because this debt does not belong to me and I cant seem to get any helpful answers or rectify this situation. I have disputed with all three credit bureaus and XXXX XXXX is the only company to have closed the account ( see attached ). At this point, I am at a loss as to what to do to remove this company from continuing to report a debt that does not belong to me.
Product: Debt collection

Credit Management LP is reporting a fraudulent account # XXXX on my credit files that I did not open. I have not received services, goods or money from this account. I am a victim of identity theft.
Product: Vehicle loan or lease

On XX/XX/18 I purchased a car from XXXX XXXX dealership that was pre-approved and financed through Capital One. Since making the purchase I have made my payments to Capital One on time each month. On XX/XX/18 I learned that my car loan was paid in full. I then reached out to Capital One customer service to inquire who paid off my car loan. It was during this telephone call that I learned that the car dealership paid of my loan and the reason the car dealership provided Capital One was that they were " buying back '' my car. The Capital One rep then asked if I still had possession of the car, I advised that I do and that I had no intentions on selling it back to the dealership. Nor had the dealership ever approached me with an offer to " buy back '' my car. The Capital One rep also advised that if had any questions to contact XXXX XXXX at XXXX. I then asked the Capitol One customer service representative how anyone could call in and pay off someone's loan with Capital One contacting them to confirm? The rep replied that the dealership wrote the deal so they can do whatever they like going forward. Baffled by Capitol One rep 's response, I them asked where is my car title. The rep ( XXXX ) replied that the title was mailed to the person who paid off the loan. I immediately advised the Capital One rep that I did not purchase my car from XXXX XXXX. Nonetheless, I contacted the number provided on XX/XX/XXXX thru XX/XX/XXXX and left several messages for a XXXX XXXX but, I have not received a return call. On XX/XX/XXXX and XX/XX/XXXX I received voice messages from a woman named XXXX who claims to be from XXXX XXXX advising that they bought back my car loan and that I am to make payments using a self-addressed envelope they sent me in the mail to remit payment. The woman also left two telephone numbers one for the XXXX XXXX XXXX ( which is not valid ) and her cell number. I called the number I have on the XXXX XXXX GM business card that I have used to contact the sales rep post-purchase, however, the line just rings. No voice mail or any indication that I have reached the car dealership.
Product: Debt collection

XX/XX/XXXX - account with XXXX XXXX/ Genesis Credit was sold to XXXX XXXX XXXX XXXX XX/XX/XXXX - account was sold to XXXX XXXX XXXX XX/XX/XXXX - account was sold to Islandwide Consulting Group XX/XX/XXXX - account was sold to XXXX XXXX XXXX ** Based off of FDCPA section 1006.34 debt collectors must provide a debt validation letter within 5 days of first contact. 
I have NEVER been notified of any debt form any of the 4 collection agencies listed above nor was I ever given proof that the requested debt is owed by me or an opportunity to settle any debt. 
I am a single mother of XXXX children attempting to purchase my first home and this is adversely affecting my chances!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw a hard inquiry on my account which I had no idea about and did not authorize on XX/XX/23.
Product: Payday loan, title loan, or personal loan

I obtained a loan through Omni Financial military lending. When I received the loan I had no other choice but to start an electronic funds transfer through an allotment on my XXXX pay. It was never changed or offered to be deducted from my bank account even after they were prosecuted for breaking several laws. I had been made to enter into a fraudulent contract with them. They are predatory lending institution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX hard inquiries, XXXX XXXX XXXX Reported : XX/XX/XXXX - {$3300.00} Needs Attention. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$770.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1100.00} Needs Attention XXXXXXXX Inquiry :, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX ( XXXX ) XXXX. XXXX, XXXX, XXXX XXXX XXXX Reported :
Product: Credit reporting or other personal consumer reports

I am asking for this company to be held accountable this is not acceptable I ask this company to remove someone else information on my comsumer report. This company claim they are not able to authenticate and they are not legible so i just made my license out of thin air this is groungs for a lawsuit as I submit the same proof of my identity as I did with you so I think this company should be held accountable.If this is not removed I will practice my right to sue LEXISNEXIS for having information that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Wells Fargo breached duty of care. 

XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Student loan

I knew I fell behind on payments with American Education Services ( AES ) and was having a hard time paying my monthly bill. In Septemper I spoke with someone at AES and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to AES. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with AES and asked if they could get my account out of default because I made a good faith payment. AES said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with AES. AES said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted AES again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and AES said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. On XX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to AES. When I got back on the AES website my account once again said I owed {$0.00}. When I called AES and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from AES. I started getting phone calls from a collection agency in late XXXX XXXX XXXX XXXX stating I owed the balance due on my loan ( {$51000.00} ). When I once again called AES they said my loan defaulted and that they no longer have the loan and that I would have to contact XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked. I have been a victim of Identity Theft and I have found numerous accounts on my credit report that were open up by me. This has been hurting me big time as now I am in process of buying a home and this is hurting me where me and my family can't with this fraudulent info sitting on my credit reports. Please remove the fraudulent accounts from my accounts as soon as possible, this is very urgent.
Product: Checking or savings account

We previously filed a complaint regarding a charge of a Faulty Service received by a mechanic shop named XXXX in XXXX, GA who have defrauded us of our monies regarding his claim to repair our Transmission where we paid {$1700.00}. We sent in proof to Wells Fargo Bank twice in XX/XX/2019 & XX/XX/2019. We provided pictures of the Text Messages sent to the Mechanic regarding our continued issues with the vehicle. We also provided an estimate from another Mechanic called XXXX XXXX in XXXX, GA who also confirmed that the vehicle transmission was not repaired and was still leaking. We sent this quote and writeup invoice information to the Wells Fargo Claims Department as well. We sent documentation in 2wice after they claimed they did not receive information. After they received the information again in Feb/Mar this year the claim and temporary credit was suppose to remain on the account because they received proof regarding the Faulty Service received by the XXXX mechanic. However, we receceived another letter today stating they will be deducting {$1700.00} from our account on XX/XX/XXXX! We provided the proof and there only default on the letter is that It was authorized.. We know it was initially authorized, but it was disputed because of the Faulty Service received . Our vehicle was not repaired. It was also similar to the {$500.00} which was part of the same claim number and they stated the credit would remain on the account and this was the same scenario. So how can you state you will be pulling {$1700.00} out of our account and it is relating to the same claim # XXXX. We can not afford to have our monies deducted from our account on XX/XX/XXXX because it will also create an extreme Financial Hardship. Wells Fargo received the information regarding this claim 2wice and reopened the claim today after we called in a 3rd time. However, they stated they are still taking the money out. Our monies should not be taken out of our account because we provided the proof and details to Wells Fargo 3 times and believe the Claims Department is giving us a hard time regarding this matter instead of helping the Consumer who has my monthly Direct Deposits coming into Banking institution and I should not be treated in this ill manner and disregarded as a U.S. Citzen and U.S. Veteran who has served my Country. This action should not be taken out my account.
Product: Payday loan, title loan, personal loan, or advance loan

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Affirm , Inc .

[ Company Address ] [ City, State, ZIP Code ] Subject : Formal Complaint Regarding Unauthorized Loan, Incorrect Reporting, and Refusal to Issue Refund To Whom It May Concern, I am writing to formally lodge a complaint against Affirm regarding fraudulent activity on my account, improper credit reporting, and failure to refund money that was wrongfully deducted from my bank account. 

After requesting and paying off multiple loans with Affirm, I discovered that the company had continued to deduct payments for a loan that I did not authorize or request. Upon investigating, I realized that my autopay was being used to pay for this fraudulent loan. I immediately contacted Affirm to dispute the charges and request a resolution, but for months, the company refused to take any action. Despite my efforts, Affirm continued reporting the fraudulent loan to credit bureaus, negatively impacting my credit. 

After over a year of back-and-forth communications, Affirm finally admitted that the loan resulted from identity theft and issued an apology. However, despite acknowledging the fraudulent nature of the loan, the company continues to report on its website that I owe them money and refuses to correct this misinformation. Additionally, Affirm has refused to refund the payments it wrongfully took from my account, even though two of its representatives assured me that I would be reimbursed. Most recently, I received an email stating that Affirms special team decided not to return my money, contradicting the prior assurances I received. 

I have attempted to escalate this issue to a higher authority within Affirm, but my inquiries have been met with dismissive responses stating that the company is too busy to address my concerns. This ongoing lack of accountability is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/2022. Equifax, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more ive provided an FTC report showing this account is opened without my consent, proof that Equifax added this account after it was removed, and a credit report that shows only Equifax Credit Bureau reporting this fraudulent account. Lastly they are violating my rights by requiring me to mail my id and social security card in order for them to process my dispute request.