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

On XX/XX/XXXX I requested a method of verification from Transunion on an account, I have documentation that the credit bureau received this request on XX/XX/XXXX, for which they did not respond. On XX/XX/XXXX I sent them a letter requesting removal of this account as they did not respond as per the guidelines of the FTC.I then sent another letter requesting removal on XX/XX/XXXX for which I show to be still in transit as of date. In reviewing my credit report, I noticed that TransUnion uses a third party to verify public information so on XX/XX/XXXX I also sent a letter to XXXX XXXX requesting a method of verification of the account ( s ) in question. I received verification that XXXX XXXX  received this request on XX/XX/XXXX. Finally on XX/XX/XXXX I received documentation from Transunion dated XX/XX/XXXX stating they verified the account ( s ) to be accurate. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX stating that I was in receipt of their documentation, however ; it did not provide the method of verification as requested. He stated to me that the account ( s ) were verified through a third party called XXXX XXXX and its not verified through a live person but a general computer and advised me to call XXXX XXXX. I called and spoke with XXXX ID # XXXX @ XXXX XXXX who verified one of the accounts in question and stated they did not verify the other account as they have no record of that account no where in their database. Stated they will contact the credit bureau and have them delete the account and send me documentation showing they had no record of this account. I received the information from XXXX and set this with a letter to delete the account to the credit bureau on XX/XX/XXXX. The Bureau received this documentation on XX/XX/XXXX. I then received letter from the Bureau on XX/XX/XXXX stating this account was verified as accurate. However, I dod not believe they even viewed the documentation as per their third party vendor for whom they said verified this account, states they did notverify this as they have no record.
Product: Credit card or prepaid card

Received an Amazon store card over a year ago and recently payed over 1000. to pay off debt the beginning of this year. After doing so they cut my credit limit to XXXX which messed up my credit score. I  called to ask them why? They claimto do a random " credit check '' and said my income changed. I said, " well I just paid off my card and I have made on time payments and they refuse to help me. I also set up auto draft from my account but, I had to change bank accounts and forgot to change my info online for my accounts so in return, I was late but I contacted them to let them know I had to mail a payment off because I did n't have a checking account anymore. Then they said because I had made a late payment that they are closing my account even after communicating with them about this issue and when I go online to check my account because I enrolled in a paperless mailing, it does n't say I 'm late. It says they received payments for a payment that they said they did n't receive. I have been making on time payments until this year and when I was late I called and also payed fees when I had too. I feel like I 'm being personally attacked because I payed off such a large debt in one payment. My boyfriend has an amazon card and has been late more than me and they never cut his credit limit or closed his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks.

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. Hippa laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for Experian XXXX
Product: Vehicle loan or lease

I processed a payment for {$1000.00} on my vehicle loan to be taken out of my chase checking account. This payment request was done on XX/XX/year>. Upon me checking my chase account this evening, I found they processed a payment for XXXX. I did not authorize that amount. I reached out to PNC to have them stop the payment, they could not. I called chase, and they can stop the payment but it would cost me {$38.00}. So I reached back out to PNC to see how quickly they can return the funds once it has cleared. They advised that the overpayment can only be sent via mail. Their error in payment processing is going to cost me at minimum 7 days of over draft fees on my account. Of which they do not care. They refuse to issue a refund in any other means then a check. Their systems issue is going to cause me XXXX  of dollars in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a XXXX cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from XXXX, XXXX XXXX and Equifax and have been unsuccessful.
Product: Student loan

On Friday, XX/XX/19 Navient has disclosed personal information to my relatives about my student debt without my permission. They have not contacted me via phone in 6 months and have decided to give my family members in Georgia information about my student loans. The name of the Agent was XXXX and she lied stating she got my cousin 's information that I disclosed to them, which i did not.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS EXPERIAN AND XXXX AS WELL AS XXXX TO RESOLVE THESE MATTERS SO NO RESPONSE.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on XXXX. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies 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 asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE 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 21 days before the payment due date. XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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 Update and delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP Complaint Committee : Three years ago, XXXX, I signed a legal document with Aspire Servicing Center since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with XXXX  twice and they have not done so. They say they are reporting what Aspire is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with XXXX It was XXXX and then it went down to XXXX because XXXX  stated that Aspire was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that Aspire said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

XXXX  is incorrectly computing my score and evaluating my credit. Aspire Servicing Center is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my Aspire accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the Aspire student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to the non compliance of ( XXXX, equifax, XXXX ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 AN # XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
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 XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A 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 a account without written consent.
Product: Credit card or prepaid card

PayPal and I have a dispute over {$1500.00} they gave me - not a direct part of this complaint, but I contend that it is the cause of PayPal 's criminal actions against me. Please note that their criminal acts also prevent me from addressing the matter.

This complaint addresses a recurring criminal act- PayPal will not allow me to log in to my account. Complaints to your office result in a single login and the block is returned.PayPal 's criminal act of blocking my online access is interfering with my financial relationship with a third party. I am harmed by PayPal 's criminal acts.

When I can log in to PayPal.com when I see fit to do so, I will fulfill my obligations to PayPal. Because I can not login to PayPal.com, I am harmed and demand immediate remedy.ect me to be stupid.

PayPal will tell you - as they have told me - that this is a website error. IT IS NOT. Please do not expect me to be stupid.
Product: Credit card or prepaid card

I received a statement in the mail XXXX 2022 for a credit card from Destiny XXXX, a company owned by Genesis FS Card Services that I never applied for. 

The card already appears on my credit history, so someone fraudulently signed up for it in my name/via my SSN. 

The card has a {$300.00} credit limit but a {$75.00} annual fee, clearly a rip-off. 

I called the company to demand to see proof that I signed up for this card ; they referred me to a manager, who then said they can do nothing unless I've reported the fradulent card opening to the government. Hence, this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company below keeps putting the same invalid collection account onto my credit and providing inaccurate dates and amounts ; two times within 4 months. Originally, when this was disputed in XXXX, XXXX, the company lied and stated to the credit bureaus the account was verified with an fake balance and inaccurate full name, S.S. number, and wrong address ; never received anything in the mail. Now, since this has been brought to their attention, they put a new a collection onto my credit with a different amount and date account opened. This is fraudulent collection company who is making illegal collection attempts, as well as attempting to get paid even though the original holder, whom was paid though my Health Insurance carrier was paid, which never stated I had I bill. They also threatened me, saying we will get you because no one has your same name ; all happened when I called to address the unfounded charges and fake account. 

Account Name WAKEFIELD & ASSOCIATES I Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$810.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$750.00} Account Name WAKEFIELD & ASSOCIATES I Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. 
Status Updated XX/XX/XXXX Balance {$790.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$750.00} Highest Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Wells Fargo wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. Wells Fargo Dealer Services confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with Wells Fargo, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, Wells Fargo Dealer Services was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to Wells Fargo Dealer Services through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, Wells Fargo has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where Wells Fargo wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XXXX.
Product: Credit card or prepaid card

American Express set my due date as XX/XX/2019 which is XXXX XXXX bank holiday so banks are closed. I could not set my online bill payment for that date so payment would be XX/XX/2019. They advised on XX/XX/2019 that I would need to make a phone payment on XX/XX/2019 in order to avoid a late fee and negative credit reporting. They should honor the next business day as the payment so I didn't have to pay a phone pay fee to avoid a late charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I pulled my Equifax credit report from Equifax and said no score and looked at my credit report and it had no accounts and another social security number on it and address and my old address. I disputed the information and sent my DL, social security number, w2s, birth certificate, tax returns, utility bills and more to prove my social and address. The dispute came back asking me for proof of DL and SSN which o already sent. I disputed again with sending all the same info and still came back again asking for proof. I just sent in again by uploading to their system of disputes and mailing the information but they will not update it. I would love to use another social security number and clear my credit but at this point it is showing Im XXXX years old with no credit. I would rather have my bad credit back then to not be able to confirmed my identity anywhere. Even going into places and showing proof of my identity because they cant verify with the credit reporting agencies I cant get anything. I need this resolved ASAP!