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

On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, TransUnion and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information 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: Debt collection

My credit report is showing a charged-off account by Victoria Secret XXXX This account should not be negatively impacting my credit. The account number is XXXX this account was a charge card, not only is this considered tax fraud I am requesting a 1099c form that was supposed to be issued to me VIA mail which I never received to make sure they are in compliance they are also violating FCRA 15 USC 1681eb for reporting information that is not XX/XX/XXXX percent accurate. Reporting a charge-off account must align with permissible purposes, if the account is being reported without meeting the guidelines that fall under 15 US CODE 1681b it must be removed immediately and permanently.
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. 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 XXXX XXXX  now.with no help.
Product: Vehicle loan or lease

Consumer portfolio services is the loan lender. I purchased this car from XXXX XXXX in 2016. When getting car repaired a few months after purchasing, mechanic informed me that my car was rusted and will continue to do so ( inside out ). He stated car had to be in previous accident or in water and car shouldn't have been resold to anyone. I called the car dealer. Car dealership did not give me all the paperwork regarding the car even though i asked for it at time of purchased. company stated they forgot to mention that car was being driven as a rental car in Virginia and had previous accidents. However my car fax did not report that. Since then, dealership has not sent paperwork or any requested documents since. They told me to call the car loan holder. I made a complaint to Consumer portfolio and gave my written statement. I was told i would be reimbursed by the balance  on my car lowered, i would get a new car under a new loan and/or receive a check for the difference. Since then the case has not been settled i have still been paying but get frustrated as i am seeing the things going on with my car due to its previous problems i was not aware of or told before purchasing. My credit report is being affected by their errors and i have to keep disputing the debt as they are not updating information correctly. since i have been sending inquiries and complaining more i notice they keep giving credit companies false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Debt collection

I have filed a complaint before and thought it was rectified but they are harassing me again. This is not the person 's number but they say when they contact him he gives them this number. That is falsifying information and they should go to jail. They call for a XXXX (? ). I have had this number for 5 years now and no XXXX XXXX here. I constantly tell them the wrong number and they say they will remove but keep calling and from different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Product: Credit card

I received a phone call on XX/XX/2024. The man claimed to be from XXXX XXXX XXXX, said someone had purchased {$6000.00} worth of iPhones through my XXXX account. I live in XXXX and the order was being shipped to someone in MA. They sent me push notifi cations through the XXXX app on my phone to confirm they were from XXXX. They had my name, phone, address, email address and last 4 digits of my social. Anytime he asked for info I made him send me a push notifi cation through the XXXX XXXX to confirm it was legit. They asked for my debit card number to refund the amount that was charged. Admittedly I was distracted bc I was at work and panicked about the charge causing me to have overdraft charges so I obliged and gave them my debit card number. When he came back on the line and said there was a problem with my card and asked if I had another, I immediately realized I was being scammed and called my bank from another phone while they had me on hold. By the time I reached the bank, they had already put through XXXX charges. The bank reversed them and canceled my card. On XX/XX/2024, I received an email from Synchrony Financial regarding my Verizon credit card application- I DID NOT apply for a Verizon credit card or ANY credit card for that matter. The scammer apparently had more than the last XXXX of my SS # and fraudulently applied for the card in my name.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a payment of {$40.00} from my XXXX XXXX account. Then on XX/XX/XXXX, I submitted an additional payment of {$140.00} from my XXXX account. My statement closed on XX/XX/XXXX, and I received it electronically on XX/XX/XXXX. My statement shows both payments posted and my available balance at {$170.00} as of XX/XX/XXXX. My account online showed my available balance as {$37.00}, and when I called, I was given the same available balance. The next day I called again after logging into my account and still not seeing the other payment, {$140.00}, showing as available. This time I speak with a CSR and was told that the 2nd payment would be available in the next 3 days. It was not so on XX/XX/XXXX, I called again and was told that he did not know why the payment was still not available, but it would be released tomorrow. I log into my account again today and call the automated system and still the {$140.00} is still not available even though my online account says it posted on the XXXX as well as my statement. Both payments cleared and posted to my bank accounts, {$40.00} on XX/XX/XXXX to XXXX and {$140.00} on XX/XX/XXXX to XXXX. It has been 15 days beyond the date of the last payment posting and clearing my bank account so there is no good reason for this payment to have not been made available at this point. Two different CSR people have not been truthful and have only told me what they believed I wanted to hear. I truly believe that they have no idea why it has not been made available, and the guy I talked to yesterday did finally admit that he had no clue. I believe, based upon similar consumer complaints, that I will not be able to resolve this matter on my own. I believe my consumer rights are being violated, and this is just not right!
Product: Debt collection

Personify Financial has sent a debt that is not mine, but part of identity theft to a debt collector. They have been calling me, my father, and friends and threatening to come to my job and arrest me. They also told my father I was writing bad checks and if he didn't pay they would arrest me. They threatened to put a lien on my grandmother 's home, and had my grandmother in the hospital due to almost having a XXXX XXXX because they lied to her! 
I received a voicemail today from them again, this time is stated : " Im with judicial Services. I've been instructed to contact you in regards to an active order of location that is being issued and filed due to avoided contact on your behalf they've instructed me to speak with your employer directly due to them wanting to have you processed their pay promise, with your home, or relatives homes as well at this point if you wish to avoid any further penalties. You need to contact the proceedings office that is filing your case once your case is been filed all of your legal rights to resolve this case will be forfeited permanently ... " they gave me the phone number XXXX to contact them and case number CD : XXXX, then notified me this was my legal notification about the case because they couldn't contact me. 
I told the man the first time he called that the debt was part of an identity theft case and not my debt and not to call me again. He has called 100s of times.
Product: Checking or savings account

I went to the Wells Fargo ATM on XX/XX/2018 to deposit {$1900.00}. As instructed by the ATM i put all bills inside the deposit slot. The ATM asked if a deposit of 9 bills of XXXX for a total of XXXX was correct. I replied No and the ATM gave me back XXXX. I then left with the XXXX and called Wells Fargo ATM operations within 30 minutes to advise them of the error. Wells Fargo gave me a Claim # XXXX & They advised it could take up to 1 month to research the error. Within two weeks Wells Fargo applied a temporary credit of XXXX to my account while they completed there research. On XX/XX/2018 I received a Letter from Wells Fargo claiming that the research had been completed and there were no issues with the ATM & would be deducting {$1000.00} from my bank account. I called Wells Fargo to determine what research the completed and they said the ATM was checked for any jams and there were no jams. I asked if they had ran a register total for the ATM and the Wells Fargo Agent said she did not see any.. I asked if they had pulled the Video and the Agent said they had not. Since a full research had not been completed I went back to the Wells fargo bank and asked them to file a complaint since it was their ATM that failed and that a complete investigation needed to be completed. The Manager gave me the phone number for their Executive offices so I could call them.. I called Wells Fargo Executive Offices and they gave me a new Claim # XXXX. The agent said that they would try to get the video from the ATM and also see about the register as well. On XX/XX/2018 I received a Letter from Wells Fargo Operations complaint Management Office which claimed they were not able to determine a ATM malfunction. They claimed the ATM was balanced and no cash was found. Additionally they claimed that ATM Video will not determine the bills that were inserted or the ones returned so they will not be pulling the video. Needless to say I am out XXXX dollars and a complete investigation was not done. Furthermore I go on XXXX to find out that Wells Fargo was having a number of Deposit issues at the same time which included ATM 's and Phone Deposits via Scanning. It is my opinion that the Bank did not do all that was needed to complete a through investigation. Please help
Product: Debt collection

This is my story with 'Nations Recovery Center '. Originally called on XX/XX/XXXX to inquire about a debt for XXXX XXXX '' I told them they were calling the wrong person as I had had this number for over 10 years at that point and knew no one by that name or had even met a XXXX . I told them to not contact this number again and that it was a mobile number. 15 minutes later I receive another call from them in which the hung up as soon as I said hello. I called back the number and talked to an operator who at that point said they put me on a no call list. I received two more calls in XX/XX/XXXX and XX/XX/XXXX which I either missed or blocked. Fast forward to XX/XX/XXXX and I receive another call at XXXX XXXX. I again tell the woman that she has the completely wrong number and that I 've already asked to not be contacted again, before I could get her name she hung up on me. I called back and spoke with an operator that transferred me to a supervisor. I told him the situation and he was unapologetic and said he highlighted the note in there system in red now ( really? ). Although he was reluctant I also managed to get the name of the woman that called me on XX/XX/XXXX ( XXXX XXXX ).
Product: Credit reporting

ive started disputes with Transunion since mid XXXX of 2016 the company has provided me with multiple case numbers, mixed information from agents to managers. ive had agent lie stating they are in the us handling department. I spoke with a supervisor in XXXX handling department by the name of anye XXXX she gave me a personal fax number to send directly to her so that she can review my information. I sent that from the sheriff department, but I called Transunion they have not received my police report where is my information going. I 've sent mail with identification they have n't received that information this has been since last month on XXXX/XXXX/2016 when I filed the police report. Transunion seems to be a fraud company to me they work for the creditors as I am trying to fix this matter of being a victim of identity theft they want to sell me products instead of helping me with whats going on. I have called in multiple times to dispute having to take the time out of my day to get a results on whats going on. It has been way more than 30 days no one can provide documentation stating these accounts are mines they never will because they are n't mine. a supervisor stated to me that they can go pass 30 days if they have to example she gave is that lets say a loan has been established and there where payments than they stopped that 's a red flag im like well I do n't care whats a red flag send me proof that I have done it. you can verify information as my name, dob, email, ssn, etcd but that person has all of that information even according to irs documents so I asked that I need proof documents signatures papers etc no one can provide that. The Fair credit reporting act states in section XXXX if a person has been a victim of identity theft the bureau has 4 days to investigate remove or block any negative or fraudulent accounts. Transumion has given me the most problems they do not notify me they extended the 30 days. they cnat provide information form creditors, they give misinformation, im always transferred. they basically in my eyes are stating they cant help me and wont. I always write down names, dates, and times. I call in stating what someone has told me in their department or company they told me im lying basically they do n't know who this person is. if I ask about information they say they do n't have but if I say I will call the federal traded XXXX or file a complaint im placed on hold and than magically they find the information. information should 've been deleted they are trying to keep it on my credit because they work with the creditor not me the victim. this company has my full police report but still have n't removed these items been pass four days, and pass more than 30 days. This company is rude and not professional just people in the office who wants a check not actually doping their job. I should n't have to go through this trouble this person/persons who has taken my identity and doing what they are doing could 've done worse but Transunion is giving these people and creditors the power to ruin my credit and my life. I am very sad and scared. who can really be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Hard Inquiries XXXX XXXX XX/XX/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 a account without my written instructions XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Product: Debt collection

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened : XX/XX/2017 Balance {$880.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to express my frustration over the inaccuracies on my report that are negatively impacting my scores. These errors have created unnecessary financial barriers and have limited my ability to access opportunities that I rightfully deserve. It is unacceptable to be penalized for mistakes that are beyond my control.
Product: Credit reporting or other personal consumer reports

My account with those creditor was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received a XXXX credit card in the mail that I did not apply for on XX/XX/23. I contacted Chase that day and they cancelled the card and said they reported it to the credit bureaus as fraudulent. They advised that the card had a XXXX balance and had not yet been activated. 

I also got a phone call the same day from the fraud alert team at Chase regarding a checking/savings account. I reached out to that division of their fraud department and they closed a fraudulent account there as well. Had I not received the credit card in the mail, I may not have followed up on the fraud alert phone call, as I thought the phone call might be a scam ( since I had not opened a Chase checking/savings account ).
Product: Checking or savings account

Chime wrongfully closed my account with an balance which is illegal without further acknowledgment from the company to an consumer. I contacted them they said they refuse to release my funds which is considered fraudulent activity which is illegal against my consumer rights. I asked again and again and they will only release my funds and open the account back up if I send them my id and my social security card which is illegal due to the fact I only had to provide my social security number and my id number to open the account so if they can not verify my account it would be illegal and against my consumer rights to have even ever opened my account. I need XXXX XXXX  from chime for the damages they have caused me to lose money and to miss payments and lose direct deposit which if they release the funds their terms of service says specifically Ill have to wait 15 days after to receive them back. I also need my money back and I want to delete chime forever and Im looking on suing this company asap.