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

Hello I hope all is well with you. On XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit reporting or other personal consumer reports

Credit bureaus are using stall tactics to stop me from disputing incorrect information and refusing to provide validation method. 15 U.S.C. 1692g ( b ), a consumer has the right to request verification of a debt or request information about the party that validated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis.

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from Equifax and XXXX immediately. Proper reporting should be updated to my business credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion that I am a victim of identity theft
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX I received a message saying that I sent a person I have never heard of XXXX $ from my Paypal account balance. Right away I went to my account and logged in. It showed a transaction as a gift to a name I've never heard of out of another country. It showed that the transaction is still pending, it still says it is even while I write this. This transaction was not me so right away I changed my password and passwords to other accounts like my email, I only use my personal computer to access my paypal and no one else has access to it. After changing my passwords I submitted a case with Paypal that this transaction was unauthorized and to stop the payment, I also let them know I changed my password incase they still had access. After about 1 hour Paypal informed me that they closed the case and will not stop the payment. They did not ask me any questions, inform me what this transaction is or how it happened. I was simply told within one hour of opening a case with them that they would not help me in any way.

I don't understand why they will not stop the payment to a person that I have never sent money to before, and has an obviously fake/foreign email and name. Especially since the transaction says the person will not receive the money until 6 days from now. Paypal refuses to let me resubmit any kind of case about the issue. This is a lot of money  to me, I lost my job to the virus and I have had to sell personal belongings on XXXX just so I can get by. The transaction does not say it has anything to do with XXXX like a transaction with them would. 

This was obvious and pure unauthorized access/fraud yet they denied my request without even asking me a single question. Please I'm asking for help here, I don't know what to do ...
Product: Debt collection

XXXX XXXX XXXX promoted Comenity Capital operating under the name ( or doing business as ) XXXX XXXX and their 6-month interest free credit card never telling me that after 6 months, Comenity Capital would charge back that 6 months of free interest. 

Once I realized this, I paid off the outstanding balance immediately but Comenity continues to hound me for this 6-month " free '' interest. 

They have contacted me repeatedly and have also contacted several of my relatives repeatedly, as well as current and former employers. This borders on harassment in my opinion. I called Comenity on XX/XX/2021 and told them to stop calling my relatives and current and former employers. I also asked them for the state in which they are incorporated, and they could not tell me. I also asked for their Agent for Service of Process, and they would not give me that information either.
Product: Credit card or prepaid card

XXXX XXXX XXXX contacted XXXX XXXX XXXX and ask them about various items that they had not received payment for. XXXX XXXX XXXX reported to XXXX falsely that I did not pay items. XXXX has now as of XX/XX/XXXX submitted various items listed on attachment to collections. XXXX XXXXXXXX XXXX continues to ignore my ongoing dispute of my balance back since XX/XX/XXXX and will not make any steps to contact me to address this issue. I have made numerous attempts through consumerfinance.gov address this issue and it is not getting resolved. Now that the account has gone to collections no one should be calling me or sending me Bills. 
XXXX XXXXXXXX XXXX as of today DO NOT CALL MY NUMBER/WORK/FAMILY : DO NOT MAIL Me ANY BILLINGS STATEMINGS. 
XXXX XXXXXXXX XXXX has chose to take my payoff payments and not apply them to my items purchased. 
I am still waiting for my account to be credited appropriately or refunded for the abuse in the handling of my account to date. 
The bank and XXXX have sent my bill to collections. There should be no more HARRASSIVE contacts directly to me, by phone or mail, from bank or XXXX at this point. 

Please contact XXXX if you need an update on the collection status. STOP SENDING BILLING STATEMENTS, for same billing you sent to collection. I am still waiting to have acct balance and acct mis handling addressed and corrected ... ... ..
Product: Debt collection

I have no knowledge of this debt collector. I have asked them to provide me with a purchase agreement from their company and they have failed to provide it. I have been harassed on numerous occasions day after day by this company and have asked them To stop. It has been removed in the past and they keep adding it back to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered that Nelnet does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of Nelnet. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX  and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. Nelnet never communicated with me to notify me of loan payments being due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently wrote cfpb a complaint about discover credit company reporting a negative mark on my credit report with these balance has already been sastified and paid for as agreed also on there last reponse they did not provide any real documentation in relation to these so called negative balances ... so there for i am asking if discover credit can please take off this negative mark on my credit report people have suffered enough from covid 19 finacially and now discover wants to punish us more by reporting inacurate informations on peoples credit reports who have XXXX fico accounts that are always paid for on time please this is just far beyond ridiclous and i honesty dont think anyone deserves it at a time like this and what we are all going through rite now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue XXXX was going to handle a long time ago. I was recently looking at my XXXX XXXX   and noticed it is saying XXXX XXXX XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and equifax and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.
Product: Debt collection

Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.
Product: Debt or credit management

Lexington law kept taking money out of my account billing XXXX a month
Product: Credit reporting or other personal consumer reports

Ive worked really hard the last 3 years paying my bills on time building my credit In XX/XX/XXXX shy of XXXX credit score I was told I lack recent installments loan on my account ..so opened a lined of credit for XXXX .. my account went down almost XXXX point.. 

I have XXXX in credit limit 20 percent usage Each of my card the usage is below 20 percent yet these credit bureau are punishing for using my card responsibility. 
I have account with XXXX XXXX  as well paid the balance in full.. I got no point back for doing the right thing, Loosing XXXX points when u worked so hard on my credit for trying to do right is not fair .. Im asking to please show proof how do you justify taking away XXXX points from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my current mortgage servicer XXXX XXXX XXXX XXXX XXXX reported misinformation on my credit report. they reported on my credit report that i was 90 days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone XXXX, even tried to fix the issue with their dispute department to no avail. 
XXXX XXXX have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 : It also states 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card

I had a company that I never heard of before come and charge against my old card for {$5.00}. So Sychrony Bank stopped payment and froze the account and told me I would get a card in XXXX to XXXX business days. I got it 7 days later, attempted to activate the new card but online it said to call them, so I did. XXXX wanted me to give them a video of my face and take pictures of my ID. I refused they said it would be XXXX to XXXX days for a letter to get to me. XXXX while I had to cancel a doctors appointment because their card is how I pay for everything then pay them back all at once. I needed this card so I called them the next day saying that I needed the card activated and to send me the way to do the video and pictures. I tried 3 times each time their XXXX computer rejected everything. So here I am XXXX XXXX XXXX, ca XXXX XXXX, need this card to do what I need to do and these so called people are holding this back from me living. I want something done and compensated for their holding me back from using this card!!!! I'm waiting for this letter now!!!!! WHERE IS IT SYCHRONY BANK????
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX # XXXX, 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 an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

14 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Student loan

i would like to join the complaint against Navient. I have been paying one of their plans and the amount of my loan has not decreased. they are now calling me offering payment options.
Product: Checking or savings account

My card was declined on a Friday Night, I was completely lost as to why it was declined as I had the available funds within my account. Upon calling Wells Fargo, they said they were unable to process a single {$580.00} transaction, despite having funds available within the account, because of a {$500.00} daily limit is imposed, even with identity verification.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for knowingly reporting a fraudulent loan on my credit report, failing to conduct a reasonable investigation as required under federal and state laws, and ignoring my identity theft police report that proves I am a victim of fraud. 

Fraudulent Activity & Identity Theft Details This fraudulent loan was the result of identity theft committed by XXXX XXXX, a former family friend, who : Stole my wallet and obtained unauthorized access to my personal property and confidential information ( documented since XXXX  ). 
Used my stolen information to fraudulently rent an apartment, open accounts, attempt payday loans, and make unauthorized purchases. 
Opened a fraudulent XXXX XXXX with XXXX under my name without my knowledge or consent. 

XXXX XXXX was a trusted family friend, which allowed him to gain access to my personal information and commit multiple fraudulent acts over time. 

I have never spoken to or interacted with any representative of XXXX regarding this loan. XXXX failed to verify my identity and approved a loan based on fraudulent information. 

Despite submitting a police report confirming the identity theft, XXXX continues to report this fraudulent account, violating multiple federal and state consumer protection laws.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Checking or savings account

I went to the XXXX XXXX branch and they told me they could not close my account or give me the funds and they sent me to another branch telling me that branch would/could cash out/close my XXXX XXXX XXXX account. Drove 20+ miles to other branch and then got told there they misunderstood and did not know I wanted all the funds but would give me only {$4000.00} of my $ 34,400+ account. I spoke with XXXX and then the branch mgt. XXXX and explained I wanted to close my account and get the CASH. They told me they could not give me money and could give me cashiers checks, BUT they gave me 2 cashiers checks for {$15000.00} each, made to me ... but I could not cash them or get them cashed and I would have to wait until XXXX or XXXX for them to get the money ordered and in so I could cash the checks for CASH! Now, today, I am told by XXXX, mgr., that they did not order my CASH in time so I will have to wait another week ... Meanwhile BB & T has MY money, they claim it is out of MY account ( in their bank still ) and no interest they owe me and they refuse to give me MY MONEY! I WANT MY MONEY THIS WEEK!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the theft of my identity on XXXX in which my social security card, previous State ID, birth certificate, and my passport was stolen from my home. This incident was reported to the XXXX XXXX XXXX office to Deputy XXXX XXXX ID # XXXX with the case # XXXX regarding the theft of my identity. I also reported the use of my stolen identity to the XXXX XXXX on XXXX after reviewing my credit files and seeing fraud accounts appearing in my name which did not belong to me.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

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: Mortgage

Wells Fargo will not fax paper work to me or another mortgage company. I have been trying for over a month to get paper work that Well Fargo has on my XXXX Mortgage. We have called everyday for XXXX weeks and have faxed everything they have asked for. But they will not give me information about me to me! Is this covered under the Freedom of Information Act. I can, t get my own info. how is this legal. I am trying to get a new loan for my house but Wells Fargo will not help at all. This is a contract between them and me and they are withholding this information.
Product: Debt collection

Please remove this item from my credit report it is illegal to report information on my credit report without my permission according to FCRA section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have someone else names and another social security number on my credit report. All inquires and negative credit belong to the second social security number. My SS # ends in XXXX and there's another ending in XXXX with names i do not recognize. i have never had a Target card, XXXX card, XXXX or XXXX XXXX. I have never made inquires to any credit unions or car loan places. I have not bought tried to buy or want to buy a car or get a car loan. I have disputed this with the credit bureau several times. it looks like most of the fraud happened in 2013. please help.
Product: Debt collection

I signed up in XX/XX/2021 to make three auto payments {$130.00} of a debt owed to an XXXX  doctor. Today, XX/XX/XXXX, I receive an elert from XXXX XXXX that a derogatory collections note has lowered my credit score. I see it is XXXX XXXX and call them immediately. Their representative tells me : yes you are on a payment plan for XXXX, XXXX, and XX/XX/XXXX with one payment remaining, but since your plan is over 45 days we report it. At no time was I ever informed about this or I would have used a quicker plan. I would like to report this company for poor writen notice about their credit reporting processes. Supposedly, this derogatory credit item is to be removed in seven days.
Product: Credit card

I have US Bank credit card. XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX I requested closing my credit card account through the phone call about two months ago, but I can still see the account in the US Bank app. 
So I requested it one more time through the phone call. But the credit card information is still on the system.