23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had frauduelnt account on my report. Please remove these account from my report, they are hurting my abilirty to obtain credit.
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 : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$69.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now
Product: Vehicle loan or lease

This is my second complaint filed against Carvant Financial. I had a vehicle Repossessed and the amount that was delinquent is now {$700.00} higher than when the account was written off. 

Carvant Financial half fixed the last complaint that had one year of late payments after the account was closed, when you read the last complaint you will see they agreed to fix this and it's still not correct. There should be no late fees or added interest to an account that is closed. The added late monetary amount reduced my credit score XXXX points.
Product: Checking or savings account

i like to file my cliam against Capital One the compliant is about a big deposit of {$130.00} in my account form some payees... now after 4 months is the funds still not avialebel and they keep saying that they need to make an investigation. I provided them with all documents which I will provide these documents are proof of everything showing that these funds are going out and sinegd latters from the payees by notary poblick supervethion. Capital One keeps saying they have to investigate and after that thay said that the investigaition is done and thay trying to send the money to the payees, what is not true ... one of the banks is XXXX  XXXX XXXX. Capital One also told me I have to wait for the other bank to reverse the funds that my money is pending from XXXX  XXXX XXXX. The person who gave me the check said they called XXXX  XXXX XXXX and they said no funds are pending and nothing happened so I called Capital One again to let them know that XXXX  XXXX XXXX said nothing was pending and Capital one said " maybe it was not the right person he doesn't know what they are talking about. '' I requested Capital One to give me an explanation as to why they are keeping my money. My opinion is that Capital One just wants to keep my money and don't want to give me my money. I need my money. please open the eys and see the unfer behaiver from capitel one bank with no any time frame comitment...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of purchasing a house and I can not due to XXXX and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that the 3 credit bureaus were reporting a collection account that 1 is Identity Theft and not my account and 2 is reporting a duplicate account. I have already disputed with Experian, XXXX and XXXX and the following has still not been deleted and or corrected by XXXX and Experian. I have attached a copy of my TDL, POA, Credit Reports, ID Theft Report, Letters to Bureaus, Account Name : XXXX XXXX XXXX Acct No : XXXX
Product: Prepaid card

Well my visa debit card been compromised or basically stolen out of my mail box I never received my card wich had $ XXXX..so they ordered me a card so i waited and waited they said about 7 business days i should get it well it's been 3weeks so i call them and tell them i still havenent received my card they said Oki it's no problem ill send you out another card but you have to go to bank of America to verify your identity so I go ahead and do that so i get to the bank the lady takes my 2 peice i.d any said your good to go anything else i can help you with i said no thats it and thanks she said we'll express mail it to you she said just make sure your home i said ok and by the way the last time i ordered my card they didnt say anything about being home so i wait 2 days later my card cones im. So happy I go to activate it and there's only XXXX $ wow now I call them and tell them what's going on and the guy that looks it up tells me all the transactions and I said hows that I don't even have a card and that's when he said I have to send you to claims and you can ask the person that helped me there was email on file that wasnt mine a phone number that wasn't mine he even said some one got your card and changed all your info in the system to change the pin number..and then I was on hold with claims for 3 hours finally he came back laughing saying theres nothing i can do sorry for keeping you on the phone that long so i hang up call again and the new person supposedly filed a complaint on the last person that would not file a claim. So this is what's going on.. customer service operator that helped me told none of this email or your phone number that your giving me is on here so someone did go in and change everything
Product: Credit card or prepaid card

Capital One-Closed account 3 months ago because they froze it ( due to their mistake ). They have owed me {$1100.00} since. Also, they refused to give me the {$340.00} in rewards. Get the run around when I call. Their response is after many years as a customer ( always paid on time or early in full ) is that my account is frozen. Something going on with this company and I no longer trust their integrity or unethical management practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate credit reporting issue that has caused significant financial harm. On XX/XX/2025, the student loan servicer, XXXX, incorrectly reported a student loanon which I am a co-signeras late. While XXXX has since retracted this erroneous report, the damage to my creditworthiness had already been done. As a result, another creditor took adverse action against me, requiring me to pay all my balances in full, leading to financial losses of up to {$50000.00}. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), both the credit bureau and XXXX hold liability for reporting inaccurate information and the resulting damages. Specifically : UCC 1-203 Obligation of Good Faith : Creditors and reporting agencies are required to act in good faith when handling financial obligations and reporting. 
UCC 9-625 Remedies for Secured Transactions : If an entity causes damages due to improper reporting or enforcement, the affected party is entitled to compensation.

15 U.S. Code 1681e ( b ) ( FCRA ) Reporting agencies must maintain maximum possible accuracy in consumer reports.

15 U.S. Code 1681s-2 ( FCRA ) Furnishers of credit information ( such as XXXX ) are responsible for ensuring the accuracy and integrity of reported data.
Product: Mortgage

In XXXX XXXX I've received a letter from XXXX XXXX XXXX XXXX about a VA mortgage refinance offer and a gift card. We are on the market for refinancing so I gave them a call to inquire about their product/offer. The name of the agent I talked to was XXXX XXXX. I called him on XXXX. I gave him all our personal information he needed in order to run our credit report and work on his offer. Including social security #, home address, names, phone, email everything. He sent me an email that he would reply me soon. I've never heard from him after that. I've emailed, called his number several times, I also called the company 's main number I wasn't able to talk to anyone. His number is XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity sold past accounts to XXXX and XXXX. I paid my debt as requested and provided a letter of deletion to XXXX and XXXX to which they agreed after communicating with Comenity. Comenity advised by phone that they would have the derogatory " closed '' accounts removed from all 3 companies. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on multiple dates going back from 2019 to current. These have still not been removed from ALL reports. I'm demanding these be removed immediately. I've done everything as requested and I've found from others Comenity has done this to many people. I'm reporting the company to XXXX  and CFPB for help before seeking the courts attention to this matter. These derogatory closures are preventing me from moving forward with my job, purchasing a home etc... Comenity and XXXX both knew in advance my wife was diagnosed with XXXX XXXX. She was unable to work, XXXX XXXX XXXX XXXX XXXX and I was taking care of keeping up with the household bills, medical, medication and kids. This is why they agreed to remove completely since I paid off per the judgement ordered. When these lines of credit were obtained our income could afford the monthly bills. Unfortunately, we didn't think XXXX would hit a XXXX XXXX XXXX woman without any signs or notice. I simply want to move forward and I've gotten my hopes up only to be failed over and over again. This isn't a good light for comenity and how they treat their customer and failure to keep their promise when the customer has done everything asked. Please remove the below accounts from my credit reports. 

The below accounts need to be removed immediately. 
Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX and XXXX Comenity Bank/XXXX XXXX and XXXX Comenity BankXXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX XXXX XXXX and XXXX XXXX XXXX ) Comenity BankXXXX XXXX, XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX Comenity Bank/XXXX- XXXX and XXXX Comenity Bank/XXXX- XXXX, XXXX and XXXX Comenity BankXXXX XXXX XXXX XXXX and XXXX
Product: Debt collection

I received a debt collection account on my credit report. I never received any notice that this account would be reported as collection. I never received a phone call.I never received the option to dispute. I never received any written or verbal information from this collection agency. Furthermore, this account from the original creditor, has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : XXXX 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

These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing a company called XXXX XXXX, they have been removing and replacing the same account for months now, they arent letting me know that they are adding it back and they also are not sending me proof of the original signatures, so those are 2 violations of my rights. 

XXXX XXXXXXXX keeps adding and removing late payments but I was never late and they wont fix the billing error permanently. 

XXXX has a billing error and wont update payment history to paid on time. 
XXXX also has another account that they wont remove an account that is unverifiable. 

And also XXXX Equifax and XXXX are removing accounts that should be on my report. 

There are many violations that need to be fixed immediately, their may be more as you will see in the letters provided below.
Product: Debt collection

Correct this immediately as your denial violates the law. Remove these fraudulent accounts swiftly or face legal escalation. Your prompt attention to this matter is expected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with ( Original Creditor : ) XXXX  They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Debt collection

ERC, a collection company who have never contacted me says I owe {$86.00} to XXXX XXXX XXXX. I do not and have dropped my credit score 42 pts  because of it. This is not me.
Product: Debt collection

I have had multiple incidents where Paramount Recovery Services of XXXX Texas, has placed collection accounts on my credit profile in reference to accounts allegedly owed to to the XXXX County Hospital. This accounts are not mine. I have disputed the accounts before but after a few months they appear on my credit profile again.
Product: Vehicle loan or lease

I started my auto loan on XX/XX/XXXX. Ally Auto charged me XXXX percent interest on a XXXX XXXX XXXX because my fiance and I had just moved to Georgia from XXXX XXXXXXXX. We needed a car, so we took it. 

I made the first payment on XX/XX/XXXX for {$400.00} and received a confirmation email. 

I was not happy about the interest rate and decided to refinance through my credit union, XXXX. They set me up with a savings account to pay off Ally. My fiance, who is on the loan, put in the payment information wrong as a checking account but they managed to withdraw a payment of {$3100.00} on XX/XX/XXXX, and I received a confirmation email. I corrected the status of the account as a savings account after I called Ally and asked them to unlock my account, as my account was locked due to the error between checking and savings. I paid them {$13000.00} on XX/XX/XXXX, and received a confirmation email from Ally. 

We had gone to the the car lot, XXXX of Georgia XXXX, and canceled the gap and warranty on the XXXX, because of the refinance. They sent a check to Ally for the canceled gap and warranty for {$2900.00}. Ally claimed they never received this check, so we went back to XXXX of Georgia XXXX and they said they didn't know why Ally hadn't cashed the check. We had them send a second check which they say Ally cashed on XX/XX/XXXX, and produced documentation, which I photographed. 
Now Ally says they returned the check, I'm not sure why, and they are trying to charge me a returned check fee of {$710.00}. The check clearly wasn't returned. 

Now I have called them today because they say my payoff is {$3100.00}, which oddly enough, is the payment they took on XX/XX/XXXX. They also tried to say this payment was returned to me, but my bank statement does not show {$3200.00} returned to my account. It says Ally withdrew that amount on XX/XX/XXXX. I specifically told the representative I spoke to, to not return the check. 

Ally refuses to send me a XXXXXXXX XXXX  so I can get my title. I have called numerous times and was promised the the XXXX XXXX was processed and would be sent to me in a light blue envelope, and was even given a XXXX XXXX processing transaction number, all to no avail. They continue to call and harass me for {$710.00} for a returned check that wasn't returned at all. 

I've paid them {$20000.00} between myself and the car lot returning the gap and warranty, after they told us the payoff was {$17000.00}. 

I've sent documentation to the email they gave me, XXXX proving they've been paid, but I never get a response, only collection calls and emails. 

Had I known Ally has a reputation for charging extra money, repossession of vehicles without proper notice ( during the pandemic after advertising on their website and during calls that they will provide assistance if you can't pay ), and refusing to send titles or taking extra long to process titles, I would not have entered into a contract with Ally.
Product: Debt collection

Security credit services XX/XX/XXXX {$770.00} when I check my credit report couple months ago I was this company on my report I sent a letter to verify onXX/XX/XXXX to verify the debt no answer back on XX/XX/XXXX I sent another letter still no answer I started disputed to credit bureau the still updated it but every single mail I sent return unable to delivery trying to called the number listed on my report can available. I ask the credit bureau to reinvested still come back with the same answer, how come Im not able to have the validated the debt but the can verify with XXXX I would a further investigation about this debt please and the company
Product: Credit reporting, credit repair services, or other personal consumer reports

The Customer Service would not help and take care of the Negative Inquiries Reporting to My Credit Report.
Product: Credit reporting or other personal consumer reports

Resurgent/LVNV is practicing in a fraudulent scheme with XXXX XXXX and are sending threatening emails to take me to court if I dont pay for debts that was written off and paid for by the NCUA. The debt was insured and paid back to XXXX XXXX and was deleted from my credit report. Then resurgent LVNV bought the already deleted account and reported it back to my credit report as a collection. This is illegal when the NCUA paid the debt back and the debt was deleted from my credit report. If Resurgent wants a legal battle with me please be my guest. If this is not deleted I will sue them for {>= $1,000,000}
Product: Checking or savings account

i had a jpay account and my account was compermised by someone I don't know on two different times.i called the company as soon as I found out about these transactions.The person I talk to gave me this website to file a complaint