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

I previously reported a problem with XXXX XXXX  reporting late payments on credit card charge that I did not make. After reporting to CFPB, XXXX corrected the error and, in a letter to me dated XX/XX/2024, advised me the credit reporting agencies had been advised of the error and asked them to update my report accordingly. It appears the XXXX and XXXX have made the updates and my credit scores with each of them is now over XXXX. As of today, XX/XX/2024, Experian has not updated my report and it still reflects late payments on that XXXX account resulting in a credit score of XXXX. When I contacted Experian, I was told it would take 30 to 60 days to correct the error in their report. That delay is inexcusable and could be costly when I have insurance renewals coming soon that base premiums in part on consumer credit reports.
Product: Debt collection

CONCENTRIC RECEIVABLES M was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. They never responded to any of my letters. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Product: Debt collection

Discover bank has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Product: Vehicle loan or lease

This incident is regarding a leased XXXX XXXX XXXX which was fully paid off and turned into a XXXX dealership for a trade-in. 

On XX/XX/XXXX, I traded-in a zero-balance lease for a XXXX XXXX XXXX which was due on XX/XX/XXXX. The dealership was XXXX XXXX XXXX is XXXX XXXX. I completed the lease trade-in in person and received a new lease, a XXXX XXXX XXXX XXXX XXXX 

During late XXXX / early XXXX, XXXX called several times stating that they were under the impression I still had the vehicle and were expecting late lease payments. I gave them information on the dealership and stated I was no longer in possession of the vehicle. This repeated over 3 or 4 calls, where I explained the situation to XXXX each time. I then notified XXXX XXXX XXXX over phone twice that XXXX was calling about my traded in vehicle. The sales reps at XXXX XXXX XXXX stated that they had sent XXXX the relevant paperwork and that the situation would resolve. 

On XX/XX/XXXX, I received a credit delinquency notification from XXXX for missed payment of 2 monthly payments. On XX/XX/XXXX, I called XXXX in attempt to escalate the situation given the severity of my damaged credit. That day I called XXXX XXXX XXXX and was unable to get in touch with a financial XXXX. I was able to get in touch with a customer service rep who stated XXXX " resolved the situation ''. 

I have not received a resolution from XXXX and they have damaged my credit for a vehicle I traded in to one of their dealerships.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Charles Schwab is obstructing justice-a felony-and interfering with the administration of government by closing my long held accounts in retaliation for my filing complaints against it with the Consumer Financial Protection Bureau!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

climb XXXX is reporting that I was 30 days late in XXXX but I have an autodraft from my account every month. I have never been late, and would like for them to remove the 30 day late payment from my report, as it's been reporting as false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stopped by XXXX XXXX XX/XX/22 purchased a ring, opening up an account with Comenity Bank, was given 3 option to finance. I chose the 6mos same as cash option with the understanding that it was no cash as lobby as I pay it off within 6 months I won't have any interest. I received my card a month later and tried to set up an account online but couldn't, it didn't recognize my social security number so I figured I'd give it some time since I had 6 months anyway. Didn't have a phone for a few months but when I got one I received threatening phone calls from comenity bank reps. So, I look at my credit report and they gave marked me delinquent XX/XX/22, XX/XX/22, XX/XX/22 & XX/XX/22. That is not accurate and I would like that fixed and my late fees refunded. I pay my bills on time and don't appreciate this treatment.
Product: Debt collection

An unauthorized account was opened in my name, maybe close to six years ago. XXXX  XXXX bank originally opened up said account, which was unauthorized and unknown to me. 

However, this alleged account started appearing on my credit report, which I submitted written correspondence to both XXXX XXXX bank and all three credit bureaus. 

I was always told this account would be investigated and I would be updated, however, the credit bureaus would only continue to send template correspondence letters stating that XXXX XXXX bank verified such account, XXXX XXXX bank would continue to say they were still conducting their investigation, which was a contradiction to what the credit bureaus were telling me. 

However, XXXX XXXX bank actually sold this alledged account to a nationwide debt buyer Portfolio Recovery Associates, LLC, and never sent me any information regarding this alleged account. Shortly thereafter, I started receiving correspondence from the above-mentioned debt buyer, however, they never sent me any documentation which links me directly to the alleged account, nor did XXXX XXXX bank. 

Portfolio Recovery Associates, LLC has continued to violate my rights under the Fair Debt Collection Practice Act and Capital violated my rights under the Fair Credit Reporting Act well before they sold such alleged debt. 

How XXXX XXXX bank breached and compromised my personal information is still unclear, however, my personal information was breached and compromised and XXXX XXXX bank never took responsibility to correct the issue, they just simply off-loaded the account to a national debt buyer. 

Whereas Portfolio Recovery Associates has continued to violate my rights even further. By not producing any evidence and or feedback regarding such account. There's no such evidence that legitimately links me to this fraudulent debt.

My question ( s ) to Portfolio Recovery Associates, among others : How was this debt originated? Who authenticated and validated this alleged account for its accuracy before it was sold to your agency? How did Portfolio Recovery verify the debt was accurate before they purchased the debt? Were 's the purchase agreement and bill of sale that was signed as a condition of purchasing the debt from XXXX XXXX Bank? What ommissions were made, as a condition of Portfolio Recovery purchasing such debt? All of the above questions are just a short list of questions that will be further examined and explored if we need to proceed to any court proceedings. 

This account was an account that was opened in my name and without my consent, the address used was an address that belonged to my deceased mother, that's what I discovered over the years. It's still unclear how my data was breached! 

This fraudulent account must be removed from all credit reporting bureaus, this is the only remedy I am seeking.
Product: Vehicle loan or lease

Purchased a XXXX XXXX on XX/XX/XXXX, included GAP insurance but interest for car loan was I think 7 % XXXX. Would like to get it reviewed. 

Also paid off a XXXX XXXX on XX/XX/XXXX, after car was considered totaled. XXXX paid them a check and we still had a portion to pay. Would like that reviewed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$1700.00}.
Product: Checking or savings account

PenFed offered a {$250.00} incentive to open a checking account. The incentive wasn't paid. There was a condition that 3 consecutive loan payments had to be made from the new account, which I did. The first payment did not come from the new account, although I had set this up in online banking to come from the new account. The fact that it didn't was an error on PenFed 's end, and the customer service rep that I talked to acknowledged that, and said it won't affect the incentive payout. I even paid the loan one month ahead to stay compliant with this requirement. When it came to receiving the payout, PenFed refused to pay, citing the 3 payment requirement that hadn't been met. Their statement is not only incorrect, but also doesn't own up to their own mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  in quiry on my credit report which causes my credit score to drop drastically
Product: Credit reporting

There has been an error on my credit report regarding a Chapter XXXX Bankruptcy on my credit and I have never filled Bankruptcy of any kind.
Product: Debt collection

XX/XX/XXXX - I signed a settlement agreement with XXXX XXXX. It was agreed {$7600.00} of {$11000.00} owed was acceptable by XXXX XXXX. Monthly payments were made and the final payment was made to XXXX XXXX of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from XXXX XXXX with the {$3700.00} amount as the balance left to pay. In XXXX, XXXX XXXX did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to LVNV Funding LLC and the original Creditor was XXXX. ( It was XXXX XXXX that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. LVNV opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with XXXX XXXX. 

XX/XX/XXXX - I received correspondence from Resurgent Capital Services, stating they were verifying the debt and will be servicing the debt for LVNV Funding in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to Resurgent Capital Services, explaining that the debt had been settled with XXXX XXXX and the LVNV should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from Resurgent stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the LVNV is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.
Product: Credit reporting or other personal consumer reports

I had a credit inquiry submitted that was made without my consent. This occurred on XX/XX/2024 and it was done through Citibank / Best Buy. 
I was no part of it so this is fraud. I have placed a security alert on my account but need to get the inquiry taken off my credit record since it was not authorized.
Product: Debt collection

Good Afternoon my name is XXXX XXXX, Im a federally protected consumer, and Im saddened that I have to make this complaint against USCB AMERICA for committing identity theft. I have never given USCB AMERICA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from USCB AMERICA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If USCB AMERICA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until USCB AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and USCB AMERICA continues its collection efforts, I will file for litigation for actual damages caused and USCB AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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, DEPT OF ED/ XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, has violated my rights.

1013 5560 765 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 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 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

fcra violations : XXXX XXXXXX/XX/XXXX Original creditor : THE XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$850.00} {$850.00} Payment Info Original loan amount {$850.00} Balance {$850.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX Original creditor : XXXX XXXX XXXX - XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$520.00} {$520.00} Payment Info Original loan amount {$520.00} Balance {$520.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this accountXX/XX/XXXX Original creditor :XX/XX/XXXX$520.00} Balance updated Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$520.00} - XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account
Product: Credit reporting, credit repair services, or other personal consumer reports

This began in XX/XX/XXXX regarding Huntington Natl. Bank in PA. I contacted the bank over a dozen times as it dropped my credit rating over 100 points without explanation. They failed to respond, and I finally filed a complaint with the Iowa Consumer Protection Division in XXXX XXXX, IA, on XX/XX/XXXX. In turn, this agency told me to send all information to the PA Dept. of Banking and Securities in XXXX, PA. Customer Assistant XXXX XXXX sent an email on XXXX XXXX, XXXX, telling me to send the problem to the Office of the Comptroller of the Currency in XXXX, TX, which I did on XXXX XXXX, XXXX. This agency advised me that my complaint was no longer under their jurisdiction and had been sent to XXXX, IA. I wrote to the XXXX Financial Protection Bureau on XX/XX/XXXX, again on XX/XX/XXXX. In return, I received a form letter on XX/XX/XXXX, instructing me to file a complaint. Fed up, on XX/XX/XXXX, I sent every scrap of documentation and research I had on file to XXXX XXXX XXXX ; XXXX, IA XXXX. I received a form letter dated XX/XX/XXXX, identical to the one on XX/XX/XXXX, and yet another on XX/XX/XXXX. XXXX I expect this type of incompetent service to continue? Or have you gone covert and closed any potential investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting late payments affecting my credit score, I've reached out multiple times and they refuse to verify/remove the late payments that's being reported. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

I am trying to close escrow on a home I have sold and right in the middle of this closing XXXX XXXX XXXX sold my loan to Seterus. Until I am updated in their system, I can not get ANY loan payoff information and it is going to delay my home closing escrow until?? Neither XXXX XXXX XXXX nor Seterus will give me my payoff information. I am in debt and trying to meet my financial obligations in a responsible manner, and this causing me to fall further behind and financial hardship
Product: Checking or savings account

My wife and I each have checking accounts with TD Bank. Since XX/XX/2022, we have been attempting to make various deposits into our accounts and TD Bank does not recognize them. These deposits have included teller deposits of checks ( which the bank lost and claims to have no record of receiving ), multiple wire accounts ( including wires from XXXX TD Bank account to our accounts ) and the bank claims not to have received them. In XXXX instance, we had the investment fund who wired the money to the account confirm that TD had accepted the wire, processed it and it was listed as " pending '' with TD. TD advised me that it has no record of having received this wire and I should take the issue up with the investment firm. The wire was sent XXXX month ago, and TD Bank has no record of it. In the meantime, TD Bank has charged me and my wife multiple overage fees and rejected debits because it has failed to list the deposits in our account as pending. There are currently over {$300000.00} in deposits that TD Bank is withholding from us. This has caused IMMENSE issues for me and my wife.
Product: Debt collection

debt is not mine. debt is a result of identity theft and should be removed from my account.