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

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute that my XXXX XXXX XXXXoans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with XXXX. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX
Product: Debt collection

On XX/XX/2022 I called the company " Credit Control Corporation '' XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, after receiving a letter from them that I owed {$71.00} from a outstanding bill from XXXX XXXX XXXX After giving my name and the REF # provided on the letter they could not find anything in there system under my name, phone # or the reference # or EDP # XXXX that was provided on the letter. The woman that I was talking to got her supervisor and consulted with no results. I went to a web site listed, XXXX  and it pulled up my name using the REF # provided but it was for a larger amount of money, {$110.00}. I am concerned that this is a scam and I am not shore how to proceed. 
Please advise
Product: Debt collection

i sent a debt validation letter, on XX/XX/XXXX XXXX requesting validation under the fair debt collection practices act, 15 USC 1692g. the company has not responded to this validation request within the 30 day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

One week ago, I discovered that I had been billed approximately {$20.00} for a monthly subscription to the TransUnion Credit Monitoring service that I don't think I ever signed up for. I then went back to my credit card statements for the past year and discovered that I had been billed approximately {$20.00} for each month for at least the last year. I have tried to think back and can not think of a time I would have intentionally signed up for this product. Once I had figured out that they were billing me for a product I didn't want, I logged on ( after recovering a password I don't remember getting ) and cancelled. Thankfully, it was not that difficult to figure out how to cancel on the account, but that doesn't help me recover the more than {$240.00} that I have paid this company over the past year that I didn't want.
Product: Credit reporting or other personal consumer reports

Experian Account Number : XXXX To whom it may concern, : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$800.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

Thank You
Product: Credit card or prepaid card

I had my Walmart Card with XXXX XXXX. Apparently they were bought out by Capital One. I made my XXXX payment and they say they never received it. I tried calling XXXX and was given the number to Capital One. I had already called them and they said they didn't show the payment, that I would have to contact XXXX. They charged me a late fee, which will be reported to my credit report and they said that they were not honoring my original contract. This should be against the law. I did not sign a new terms agreement. My payment went up from {$25.00} to {$35.00} because Capital One charges 1 % of the balance. XXXX did not do this. They should not be able to do " business as usual '' because they bought out other contracts. They should honor the original contract.
Product: Money transfer, virtual currency, or money service

I was trading stock on that account and bought XXXXXXXX XXXX I made an attempt to send XXXX to a vendor of software and XXXX stopped the Send claiming it was suspicious. BUT I made other transfers to the same. XXXX via XXXX the same month and they LET IT go thru - correctly! They then froze my account making it impossible for me to execute a sell order in my stock- NOT XXXX. That caused me to lose {$1000.00} in that stock where I would have MADE {$500.00}. 
They froze my account count XX/XX/XXXX and even though I answered their Qs about that XXXX send - XXXX TIMES ON THEIR CALLS- THE SAME IRRELEVANT QS about the XXXX XXXX - they still have the case under review. They promised a decision by XX/XX/XXXX. Then they have done a rolling XXXX decision EVERY DAY SINCE THEN TILL NOW. And still NO decision. Their refusal to tell me WHY it was suspicious when they let XXXX others go thru is XXXX! They hold my money XXXX refuse to let me sell my STOCK having nothing to do XXXX XXXX ), causes me to lose money and refuse to make timely decisions. This is a tort of not criminal and I also I tend to sue them in XXXX  for intentional infliction of XXXX  XXXX  etc. 
no wonder they got fined XXXX XXXXXXXX. How many other people are they defrauding? They hold our money to get the float and bolster their books. This has to be criminal!! 
DO NOT EVER USE XXXXXXXX YOU WILL HAVE NO CONTROL OVER YOUR FUNDS! THEY HAVE NO AUTHORITY TO TELL ME WHO I CAN SEND MONEY TO BY CLAIMING THEY ARE THE GUARDIANS OF YOUR MONEY AND THEN GIVE YOU NO REASON OR EVEN AN ANSWER! ESPECIALLY WHEN THEY ALLOWED ME TO SEND TO THE SAME VENDOR XXXX TIMES BEFORE IN THE SAME MONTH. 

They ALSO DO NOT CLEARLY ANYWHERE ON THEIR SITE EXPLAIN HOW THEIR RESETTING OF THEIR LIMITS OPERATE. IVE BEEN WAITING FOR XXXX FOR IT TO RESET!! And XXXX with their XXXX customer svs cant explain it.
Product: Credit reporting or other personal consumer reports

I was trying to buy a home and i realized i had damages on my credit report and according to the according to the 15 U.S.C 1681 law there should not be any damages on my credit report its a defamation of character.
Product: Debt collection

The debt that LVNV Funding LLC is trying to collect is not mine. I was never notified prior to this year about it. I had closed my account with them in earlier XXXX. I was never notified about the debt till XXXX of XXXX. The debt is {$660.00}, and I wasn't notified of this debt. This collection was added to my credit report without my consent. The company they are collecting for is XXXX XXXX. I called early XX/XX/XXXX to close that account and made my last payment. They said my account would be closed. That was the last time I talked to that company. Then XXXX of this year I was notified that I owed them money for an account I know I closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX  and Equifax  of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the XXXX XXXX. While XXXX XXXX  my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.
Product: Credit card

On XXXX the XXXX XXXX I received a notification through XXXX saying that my {$1500.00} secured card through XXXX XXXX is reporting that I owe them {$52000.00} which is 3,400 % over my utilization and 250 % collectively I called them and my account had unauthorized charge upwards of {$1800.00} my account was then credited on XXXX the XXXX for XXXX provisional credit On XX/XX/XXXX letter received XXXX was approved in my favor XXXX final balance XX/XX/XXXX I activated card with rep and released funds no later than XX/XX/XXXX it is now XX/XX/XXXX still holding funds and reporting wrong balance purposely from complaints that were made XXXX XXXX told me that since I was allegedly talking to her rudely she will make sure that notes are on my account that prevent me from using my card until after the next month statement and I will have to dispute the false information again they are aware of the false reporting I disputed info 3 times and it's still not the correct balance the entire staff does not read or make proper notes on accounts nor do they communicate properly with Customers or fellow employees And on XX/XX/XXXX payment was made from XXXX XXXX XXXX XXXX for XXXX from original card they attempted to hold funds for 8 days with no basis or reason I had to fax over my actual statements and give needed information just ti access my funds I am not the only customer that they do this to they hold people 's money just to gain interest off payments I have documents to prove claims also I was supposed to get a call from the case manager at least five or six times and they don't even have a complaint department or anybody that you can talk to to put a claim in or complaint nowhere at all so that gives them the ability to do whatever they feel with their clients or customers because if they don't leave a note of it it would not be known
Product: Credit reporting or other personal consumer reports

I financed a used vehicle from XXXX XXXX XXXX in XXXX  and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made 24 on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )
Product: Credit reporting or other personal consumer reports

This company continues to harass me. Calling my phone from all different numbers at all different times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX   XXXX ( Equifax, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX ( XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ). I am acting on my own behalf and  need help with this.
Product: Consumer Loan

I had a car financed with Hyundai Motor Finance the past six years. I only had four payments left on the car when I was involved in an accident. As a result of my claim I was given a check for {$1700.00} and by the time I got my check I only owed about {$350.00}. I decided not to get the car repaired because I ended up getting a different car. Because Hyundai still had a lien on the car the check from the insurance company was made out to myself and Hyundai. When Hyundai got the check they took out the XXXX I owed them and said they would send me the balance of {$1300.00}. I asked when I could get the balance they owed me they said they were going to hang onto my check for 30 business days. Can they hold my money for 30 business days?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later i have not received a response yet. I fell like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my report it has been well over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will fill litigation due to stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXXReference XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Account XXXX XXXX XXXX  Account # - XXXX This Account was charged off on the following date : XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. after an account is charged off, there should be no update in the payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly on two occasions and your neglect has violated my rights. Please delete this Account off of my credit report! 

Account XXXX XXXX XXXXXXXX Account # - XXXX
Product: Credit reporting or other personal consumer reports

Thats on XX/XX/XXXX I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) Spencer v. Sterling Bank. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Product: Prepaid card

I received an unsolicited " XXXX '' prepaid card directly from SunTrust XXXX XXXX, FL ) via USPS mail. I reside in XXXX XXXX, California. A reasonable person would think that receiving the card this way infers that it was sent via a third party as either as gift or payment of a claim or refund. 
Only after " biting '' and following the instructions given to activate the card was it clear that was not the case. Now I feel I have been " fooled '' as they have my phone number and codes I used to activate the card ... the card I then found had a zero balance. 
It is important to note that this card carries baggage with it in the form their sharing if my information to other third parties and of very high fees for almost any transaction.
Product: Debt collection

This debt originated in XX/XX/XXXX I was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.
Product: Student loan

Loans were continuously paid from XXXX to present. In early XXXX under repayment with XXXX XXXX, I noticed other pharmacists were getting loans from the government at a very low interest rate. I called XXXX XXXX and was told I did not qualify. 

As time progressed, XXXX  took over my student loan from XXXX XXXX, and once again I inquired for assistance during the XXXX pandemic and was told I did not qualify. Still seeing teachers, pharmacists, nurses getting their loans repaid while I did not miss a day during of work during that time and still being told I did not qualify. I also informed XXXX  that I was a healthcare professional working for a non-profit organization, yet they continued to receive automatic bank withdrawals for repayment during the period of eligible XXXX  % interest during forbearance. I did not get any real answers from XXXX until the end of XXXX when a representative was kind enough to direct me to Mohela. I am hopeful, but still waiting for the last {$30000.00} to be forgiven. 

In total, I have paid over {$140000.00} in loan payments over XXXX  years. If anyone should receive any of the settlement money from XXXX, it should be me!