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

Commenity Capital Bank continues to report to the credit agencies after I sent a written letter requesting to opt out of credit reporting. Commenity Capital Bank has confirmed that they did in fact received the latter sent to them In XXXX but will continue to report to the credit agencies despite my written and several verbal request for them not to. I spoke with XXXX who then transferred me to XXXX. At that point XXXX informed me that he had limited resources and couldnt help me. XXXX then transferred me to XXXX at ext XXXX who told me she had been at there for over 10 years and have never heard of 15 USC 1681, or 15 USC 6802 or an opt out request. I was then transferred to XXXX who verbally informed me that my letter was received and put into effect as of XX/XX/XXXX but they will only stop reporting to XXXX XXXX and will honor no additional request of the letter. I was then transferred to XXXX who was requesting I re send the letter to the same place I previously sent it to. I was also told I would not receive a copy of the prospectus report because thats not something they send out and I would need to write their legal department to get it. this is beyond ridiculous. Commenity is ignoring my rights as a consumer and proclaiming adverse actions against me willfully by reporting to 3rd party non affiliates. please see attached file for letter sent to Community before printing and signing.
Product: Credit reporting or other personal consumer reports

This is a serious matter I was never late on my payment. I always been on time. Please update and fix this matter I was never late in XX/XX/year> or XX/XX/year>. Please fix this matter update it hurting my credit and Im moving my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681.Account names XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account was opened. I am a XXXX XXXX 
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 an 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 years.

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

On XX/XX/XXXX, I received an email from Wells Fargo stating that someone had just taken {$2000.00} out of an ATM machine with my credit with my debit card and then received another {$900.00} charge and then five {$200.00} charges all stating with they have been taken from the same ATM machine in XXXX, XXXX I brought all of this to Wells Fargos attention immediately they told me there was nothing they could do and that I needed to call the police It didnt show that there was they prove that there was fraud.
Product: Vehicle loan or lease

I leased this vehicle from XXXX XXXX and they were closed due to fraud I was forced to put a down payment even though I took out a loan which violates Tittle 18 USC 1348 I was not disclosed of all fees and terms which violates PER 25 CFR 11.417
Product: Credit reporting or other personal consumer reports

i have recently discovered that someone has been using my personal information to obtain goods and services using my personal information, i am a victim of identity theft. please assist with my claim as i am uploading documents to support my claim on identity theft. 
thank you
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$95.00} XXXX  XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } } Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair Credit Reporting Act XXXX  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 XXXX XXXX XXXX XXXX XXXX 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
Product: Consumer Loan

I had a vehicle on lease through Ally Financial. I paid the bills on time, and turned the vehicle in on time, under mileage, and with no damage. Ally 's inspection shows damage that was n't there when I turned the vehicle in. I had to continually XXXX them down to get a response to my complaint. It finally took several calls, and a letter to their CEO to get someone to respond to me, but even then, they would not accept my best evidence ( a digital photo which they would n't accept through email ) as to the fact there was no damage upon turn in. They reduced the amount owed, which I paid, to avoid damage to my credit rating, but there was no opportunity for arbitration, or appeal. There was no process whereby they would respond to me proactively -- except to collect money. The inspection process was clearly set up as a yield enhancement for Ally, and had nothing to do with diminished residual value, as they we looking for scratches under the hood. There was no evidence of chain of custody of the car after turn in. There was no way to provide my best evidence of no damage. There was no independent appeal opportunity. There was no single point of contact to deal with. There were no return calls without my initiating the call.
Product: Credit reporting or other personal consumer reports

I have tried to dispute 2 hard inquiries that I did not authorize with experian. They told me they could not do anything about the inquiries because they were showing as one account but all from different financial institutions. This is false and an improper use of my credit report and report irrelevant and unauthorized information of a transaction I did not initiate. Please have this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Equifax Credit Bureau is reporting inaccurate information on the following Collection accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}
Product: Credit card or prepaid card

Although the balance on my credit card was paid down to XXXX. Discover closed my credit account without notification. I was informed, by an Account Review Supervisor ( XXXX ) that an IRS verification was emailed out and identity verification would take two full weeks. Also was informed during the time of the verification my account would be inactive, for two weeks, but following the two week verification I would be notified of my credit card 's availability. Calls are recorded. However, in spite of my cooperation, my credit account was closed, by Grantor, from the date I called, within 72 hours, without any notification. For the record, I had discovered, there was a problem, when I logged in to view the card 's available credit ( XXXX ). In lieu of this, I then reached out to Discover, same day ( XXXX ) for answers and was connected, after a couple of attempts to the Verification Dept , where it was confirmed that my account was closed. Unfortunately, in spite of Discover 's deceptive ways, I was informed my only solution was to reapply, for a new account. The companies actions appears to be an illegal move, to close my account, inconvenience me as a paying consumer and later maybe place an adverse statement, on me, in the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Dear XXXX I mail you on XX/XX/2022 regards incorrect the balances being reported by your company are different from the other bureaus, this means the account has not been properly verified. Please delete this account immediately.
Product: Checking or savings account

Today, XXXX while I was at work I checked my accounts to make sure all my funds were in each of my accounts ( credit builder, savings, and checking ) I had {$100.00} in my credit builder for a bill I have this week. I look at my credit builder account and see I have only XXXX dollars and XXXX XXXX cents left in my account. When I open look in my recent transactions it says that I have XXXX transactions from a XXXX in XXXX California. XXXX of the transactions were XXXX XXXX dollars and XXXX XXXX cents and XXXX was XXXX dollars coming to a total of XXXX XXXX dollars and XXXX cents. I call chime and file a dispute because I live in XXXX  Texas and have not been to XXXX California ever. In less than 30 minutes they denied my dispute because they found no error in the transaction. As soon as I seen the email I called Chime and they told me they could not let me know the reason they denied it because it was a spectate department and when I asked for the number to call the department. The customer service representative told me they do not have a phone number, they only have an email and I would have to wait 10 business days to receive the email regarding the reasons my disputes were denied. Now I am waiting for the email on why my disputes have been denied and I have no other options besides wait for the reasons they were denied or reopen the disputes with more information, in which I have no other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form XXXX XXXX that I was late XXXX days. I called XXXX and submitted a dispute to Transunion and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a XXXX day late Credit Card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

To help in resolving communication problems we are having in understanding the responses provided and received from Specialized Loan Servicing it is most important our two requests be provided.
1 ) The first request is : We are encountering problems concerning the previous communications with Specialized Loan Servicing during the months of XXXX XXXX thru XXXX of XXXX. We are requesting the copies of all written correspondence between us during that time period to confirm they are from XXXX and XXXX XXXX 2 ) The second request is : Please provide the date of the first correspondence that SLS provided and sent the alleged Home Equity Credit Line and Disclosure Agreement showing the rubber stamped endorsement of XXXX XXXX XXXX next to signature of XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I received documents for out of state garnishment from PORTFOLIO RECOVERY ASSOCIATES , LLC c/o XXXX XXXX XXXX XXXX XXXX. In these documents it states that the total amount due to the plaintiff is XXXX court cost XXXX for a total garnishment claim XXXX. On a different pages it states that XXXX is the balance due which consists of the sum of XXXX principal and XXXX other. I ten check my credit report and found no collections at that time. 

On XX/XX/XXXX I sent two ( 02 ) certified letter to XXXX XXXX XXXX XXXX XXXX to the address that were on the letters that I had received, asking for verification of the debt that is being said I owe at this time. 

On XX/XX/XXXX I received documents dated XX/XX/XXXX stating that a judgement was entered against me on XX/XX/XXXX and the amount now due is XXXX. 

At the current time I have not received the information that was requested to verify this debt
Product: Debt collection

XX/XX/2021 I mailed letters to XXXX  XXXX, and XXXX Also, the collection companies Wakefield & Associates, XXXX, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response from any of the Collection Companies on the accounts and its been over 30 plus days.
Product: Credit reporting

Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses.
Product: Prepaid card

I ordered a replacement card cause mine was expiring. I paid extra to have it customized. I get the card and it has my signature and my handle on the front but someone else 's name on the back. I call to try to get them to fix it and they said they can not. i do everything to prove who I am and explain the mistake. I even have my original card, which has my name on it correctly. 

They refuse to help me fix my name, speak to a supervisor or help in any way. They hung up on me 5 times, and I tried to be curteous, didn't curse and just wanted help as I'm not afraid someone has hacked my account. But nothing. 

I really need help this all happened on XX/XX/year> between XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

This is wish the company CashApp.
Product: Debt collection

I have a pre-paid cell phone account with XXXX that I opened in XXXX. In XXXX, I started receiving collection calls from I.C. System, a collection agency stating that I owed {$65.00} to XXXX that XXXX sold to collections. 

On XX/XX/XXXX, I called XXXX to find out what this amount was and why I had not received any communication from XXXX about this amount owed. I initially thought it was fraud and I called XXXX to find out more about it. They did not share any information with me about the debt and why I had not been contacted about it before it was sent to collection. 

I called the collection company on XX/XX/XXXX, I learned from the collection company that the cell phone number that is in collection is the cell phone I am using with XXXX to date. It is ACTIVE with XXXX and I am still using the account to date. XXXX NEVER contacted me about owing them {$65.00}. I never became aware of this debt until I was contacted by the collection agency. If XXXX had contacted me, I would have clarified for them that it was an error. The collection company also advised me to call XXXX to clear this up. When I tried to call XXXX again I was informed that I am not allowed to talk to a customer service representative and I should use the online options. 

I do not owe XXXX. The {$65.00} is an error on their part and if they had given me a chance I would have explained it to them. Please help me to have XXXX correct my record and not ruin my credit.
Product: Credit reporting

Contacted Trans Union and I was instructed to fax to the fax number below to send a letter which I requested to not add any Fraud or OFAC alerts without my written consent, which I faxed on XXXX XXXX, 2017. Trans Union has willfully and negliently added a fraud Alert anyways to my account. I have provided the letter sent to Trans Union including the fax confirmation page and blocked my personal signature information from the notarized information for my privacy protection. 

Trans Union XXXX Fax : XXXX File number:XXXX Attn : Consumer Contact dept Reason for calling : Remove Fraud Alert
Product: Checking or savings account

On XX/XX/XXXX, I made a mobile deposit of {$210.00} that was sufficient to cover same day debits totaling {$170.00}. To my surprise, Chase charged me two overdraft fees totaling {$68.00} on XX/XX/XXXX. 

I work in good faith to keep my account funded so as to avoid overdraft fees. To my disappointment, I find that Chase uses hidden or changing policies in a 'gotcha ' scheme to extract overdraft fees, which are extreme costly. 

I contacted their customer service but was rebuffed. If I can not get this matter resolved, I will begin looking for another bank, such as XXXX XXXX XXXX that does not charge such fees.
Product: Credit reporting or other personal consumer reports

Third time company Equifax is reporting incorrect status of my account. XXXX Account should be in an XXXX status. I have contact XXXX and they have sent XXXX forced reports to show account is OPEN & ACTIVE status. 

I requested Equifax to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. Equifax is INcorrect and not reporting accurately.
Product: Checking or savings account

Ive been trying to get that is deposited into my husbands business account, I presented a power of attorney favoring me as his wife and care taker ( my husband XXXX XXXX has been diagnosed with XXXX ), and is been a month, and I cant have a new card to process all our payments and buying his essential foods, or even pay his insurance, nothing is getting done, because TD bank holding the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all used my information incorrectly