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

In accordance with the fair credit reporting ace XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

I went in XXXX Lane Bryant to make a payment on XX/XX/2022 for {$45.00}. It was done via account look up on the register. 
The next day I tried to make a purchase and my credit was not available. It was then discovered that my payment was applied to a charged off account from over 20 years ago. 
I called Comenity bank who issue the plcc and was told I would have to file a dispute that would take 30 days. I explained all that happened and during this time, Bread Finanacial was taking over Comenity and doing updates causing upsets to Lane Bryant, Torrid, XXXX, XXXX and more. 
I waited the 30 days and called back only to be told it was 60 days. I was placed on hold for hours and transferred to various departments and each department would give me conflicting information. I requested the funds be applied to my current account as the payment was intended for. I was told I would have to be issued a refund check but would have to send the receipt for the payment yet nobody would tell me where to send it to. I spent several phone calls and hours on hold and transferred over and over and then told 90 days. 
It has been over 90 days so I called and spent over XXXX hours on hold only to be told the dispute was not resolved but they could send me a refund check. I was then transferred to a recovery department who told me she had no idea why my call was transferred there as the account was so old there was no reason to. That person then transferred me back to customer care who said a check would be sent and asked for the email to send confirmation and then told me it it was not eligible. She said please hold and left me on hold for 30 minutes and I finally hung up and currently on hold again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do investors have the right not to show their name on the consumers credit report. When the consumer has a Mortage with their company. Does the name of the investor have any effect on the consumer credit report. This has happened to me. XXXX who is the monitoring agency not Goldman Sachs. XXXX had to request permission to give me the company I am paying my money to every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing an auto loan from XXXX financial through Experian. The loan on the vehicle included fraud. The surety bond nationwide, who provided a surety bond for the auto loan had me sign a release, an assignment and surrender the vehicle to nationwide. I provided proof of this to Experian since XX/XX/XXXX. It was initially deleted off my credit report, and then it would be inserted without any notice a clear violation. He failed to re-investigate properly despite having sufficient proof of the release in assignment as I uploaded it to them. It was re-inserted in XXXX in XXXX and I again recently disputed the account and it is stating it came back as updated. The amount on the loan was {$200.00} it is showing XXXX on other consumer reports, it is deleted or shown as a charge off while on Experian is showing different. The account is no longer mine and needs to be removed immediately off of my credit report. Experian has failed to validate the debt and participate in a properly in the causing me great damage, and the inability to get another other auto lone.
Product: Credit reporting or other personal consumer reports

I checked my XXXX credit report this morning, it stated that I had XXXX more account attached to MOHELA, of all different totals, but adding up to my original and CORRECT student loan balance of {$17000.00}. It has caused my credit score to decrease and I am very upset. XXXX and XXXX are showing my correct credit report of only XXXX student  loans, Mohela.com is showing that I also owe a balance of {$17000.00} which is correct and studentaid.gov is also showing the same total. I need this resolved as soon as possible. XXXX definitely is having issues.
Product: Checking or savings account

Since joining Regions Bank. I have opted out of offer draft transactions. They can not charge me fees when money is not available. Regions bank fires not honor my contract. Every month they remove {$36.00} NSF fees for transactions that are not on automatic pay. There are no transactions in my account set for autopay and they still erroneously charge me fees. It is an ongoing an fraudulent practice and I want it to stop. If I pay my bill around the Santa time every month, that is not considered autopay for Regions, that means if my car note is due on the XXXX, I pay around the {$16.00} and not require them to do so. XX/XX/20 ( 2 ) NSF fees XX/XX/20 ( 1 ) ) fee : XX/XX/20 ( 1 ) {$36.00}. So on and so forth. This is fraud and I cant purchase a home because of these negative
Product: Credit reporting or other personal consumer reports

Equifax has no proof meaning wet signature that Im responsible for this auto loan showing on my credit report called XXXX XXXX XXXX therefore it needs to be removed immediately according to the Fair credit reporting act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the equifax site to see if my wife and I were victims of their security breach. It said we both were. This means we are both victims of identity theft, therefore we should be able to place a freeze on both our accounts without paying the {$10.00} fee. However, they provide no option for this on their site. If I call their phone number there is no option to speak to anyone about credit freezes. It 's all automated. We 'll be forced to go ahead and pay the {$10.00} each since equifax chose to wait over a month to notify consumers. We ca n't gamble with waiting any longer. Also, due to the sneaky language about waiving your rights to trial by signing up in their free monitoring service, that is not an option we want to take. We should be entitled to a refund of this {$10.00} fee, each.
Product: Credit reporting

It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries are being reported on my XXXX report : : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  The following Inquiries are being reported on my Experian Report : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is being reported on my XXXX report : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

National credit systems located in XXXX Georgia has reported to derogatory marks on my credit report for the same thing. National credit systems claims I owe a balance to a previous landlord. While that is a separate issue, the reason Im filing a complaint is because if I do owe this balance, there should not be a duplicate negative derogatory mark on my credit report for the same thing. Theres literally XXXX derogatory marks from the same company from the same originator. This is unacceptable as if it inflates my debt on my credit report higher than it really is. I have attempted to contact national credit system and have them remove it multiple times and every request is denied. This is illegal! You can not put duplicate derogatory remarks for the same offense on someones credit report. 

I am requesting the duplicate file be removed from my credit report, as Ive been unsuccessfully requesting since 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XXXX, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. * I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days
Product: Debt collection

on or around XX/XX/2020 i contacted Sequium asset solutions in an attempt to settle a debt owed to XXXX XXXX. The original debt claimed was {$500.00} ( which I dispute the amount owed ) After talking to a representative i was told they would settle for {$120.00}. I agreed to this settlement and paid it in full. Approximately a month later i noticed that this item was still reporting as collections for the same amount, so I disputed the transaction with the credit bureaus. The dispute comeback unchanged the collections where not closed and the amount owed continued to be {$500.00}. At this point i contacted the company again. I was then informed that the {$120.00} was not enough to settle the account. I then proceeded to ask why they hadn't even applied that towards the collections. The representative was vague and could not give me any answers. This company has made a false contract and collected funds towards the collection under false pretenses and as of XXXX they have not applied the amount toward the debt or refunded the amount.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance :
Product: Credit card

I Purchased an online store from XXXX After a couple of months of having the online store my website stopped working and i was unable to use my store. After reaching out to company they stated i would have to purchase another plan which over throws what we agreed to. I reached out to Discover to get me a refund because i never recieved the services and product i paid for.
Product: Consumer Loan

I purchased a XXXX XXXX XXXX in XXXX a lienholder title state in XXXX of XXXX, than moved to XXXX a title holding state and registered the vehicle in XXXX of XXXX. I subsequently refinanced with another company car finance capital who is requesting the original title " XXXX '' for some reason Santander consumer consumer sent a copy to XXXX but can not produce the title for a reason unknown. I would think that as the lienholder they would have the original title but they " Santander claims that I supposedly have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.
Product: Debt collection

This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/XXXX, with XXXX  XXXX XXXX as the original creditor. Again, I don't live in Tennessee, and I have not lived there for more than XXXX years. Unsure how an account will be open this year for medical debt in TN when I live in GA. 

Because of my previous complaint, I received a document from XXXX XXXX XXXX stating I owe {$1400.00} for services given on XX/XX/XXXX. What was that for? Prior to this collection appearing on my reports, I had never been contacted by anybody about such an account existing. Where is the original bill from the original creditor? So many questions regarding an account that magically pops up in XXXX for services that you are saying were given in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I made a wire transfer at BECU bank in Washington XXXX for the scholarship of my sister, but before that, I went to the Bank for information about the transfer, the teller gave me what I was not supposed to miss in my process such as : Receiver 's name, the bank name, and the right Bank account, I did all of them without error, and the transfer fee which was {$35.00}. The amount is {$1500.00}, unfortunately the receiver did not receive any after a month, then I went there they recall and I have to wait until 90 days, I came back 3 months after, they asked to call receiver and tell her to go see her own bank and try solve the problem, she went there they told her they did not receive any money from XXXX. How she can solve a problem if her bank did not receive nothing. I went back there many times but what I am seeing they try to collaborate with XXXX XXXX bank and not to give me bank the money, but it is not going to work, BECU bank will refund my money. I was wondering to know where is money or what is happening to it. First all they said they able to make it but they did not tell they are going to transfer through another bank which is XXXX XXXX. Finally, they told me they could not getting any answer from XXXX XXXX, they dropped the case. I need help to know if you can do something for me.
Product: Checking or savings account

There was a tax levy against my account starting from XX/XX/year>. I contacted the State of California and resolved the issue. Despite the state tax agency sending release authorization letters in 2023, stating that the restriction should be removed, it was not lifted from my safety deposit box, which is perplexing since my Chase Bank checking account is unrestricted. I reached out to the state multiple times between XXXX and XXXX, and they sent multiple letters to Chase Bank via fax and mail, requesting the release of the account. However, each time I contacted the bank, they changed their stance. Initially, the agent claimed the release authorization was invalid. When pressed for an explanation, the agent was unsure and later asserted that it wasn't addressed to Chase Bank. After contacting the state again and receiving another letter, the bank shifted its stance once more, now insisting that the release must explicitly mention the safety deposit box. 

In addition, I'm urgently trying to retrieve my travel documents from the safety deposit box to travel, but the bank refuses to release them or grant me access, despite repeated requests from the state tax agency for the release. It feels as though they are holding me XXXX and engaging in manipulative tactics.
Product: Debt collection

I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Product: Debt collection

COMPANY REPORTED THIS ITEM AS A LINE OF CREDIT DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was filed in bankruptcy but is still being reported as an active part of credit through Experian. I have tried tried several disputes to have remove, but it remains the same.
Product: Credit reporting or other personal consumer reports

This evening, I was shocked to see that my credit report contains incorrect bankruptcy information, and Im at a loss as to why this is happening. I reviewed my report as I always do, but this time I encountered these discrepancies out of nowhere. Refreshing the browser didnt solve the problem. Im deeply concerned and frustrated, and Im asking that the documents Ive sent be thoroughly checked to ensure this issue is resolved once and for all.
Product: Debt collection

This place is calling my relatives ( not sure how they got their numbers ) stating that their is a claim they are moving forward on so they need me to contact them by XXXX or XXXX that day. I am not aware of what *claim* this is for ... nor is it one I 've ever received via snail mail. I am not going to assume I have a debt because of a phone call. They are faxing my place of employment with documents that are not legal but trying to obtain personal information. They are stating they are trying to locate me, but have not sent any formal documentation stating what this claim is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at attached documents, the personal information you are reporting are not mine.
Product: Debt collection

This ishould a debt from XXXX XXXX. I spoke to their rep who stated that the equipment was worth {$500.00}. He said that if I returned the equipment, I would only owe {$90.00}. Someone from Afnight credit collectionscore called me stating that I still owe {$590.00} even after XXXX received their equipment. I returned the equipment in good condition months ago. This total amount due is incorrect!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Amount {$7300.00} Account name : XXXX XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX # XXXX Amount {$3500.00} Account name : XXXX XXXX XXXX # XXXX Amount {$11000.00}, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven y
ears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was settled under the term that XXXX would not penalize my credit. I received in XXXX a tax form to file this account on my taxes. By law credit can not be counted as credit and income. My credit file says the account will delete off in XX/XX/XXXX. I am being penalized XXXX  times with this account.
Product: Credit card

I received a VISA credit card from CHIME with my name. I had not heard of CHIME before and I have not applied for any credit card with any company. When I called CHIME to enquire about the credit card, the agent mentioned that he could not find any information about the credit card at their end. He requested that I provide the last 4 digits of my social security number and my birthday to get information regarding the card. I declined to provide my personal identification information. He mentioned that there may be a Debit card coming through, and if I call back after the receipt of the debit card, he would be able to locate additional details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate latenesses on my consumer credit profile from XX/XX/XXXX through XX/XX/XXXX on my XXXX  XXXX account ending in XXXX. When my accounts was in a Deferred/ Forbearance status. In addition, to Latenesses reported from XXXX XXXX XXXX As youre aware Section 4021. Of the CARES ACT states SEC. 4021. CREDIT PROTECTION DURING COVID19. 
( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. 
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;