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

I have a debt collection for XXXX XXXX using XXXX XXXX as the collection agency. The amount is for {$920.00} and is on my XXXX and XXXX credit reports. I have never had an account with XXXX XXXX or any other cable/communication service in 24 years. My family has been with XXXX XXXX XXXX for the past 9 1/2 years and the account is in my husbands name. I called XXXX and verified Id never had an account and asked them to contact XXXX to remove it. They said Id have to work with XXXX. I hired XXXX XXXX for help with no resolution in 5 months. I called XXXX over these 5 months and finally got someone yesterday who could not find any information of a collection against me. I asked for contact with someone with more authority and information access. I was given the email address of XXXX. I wrote it and today I get an email with a reference number because theyve magically found me in their system. I wish I had never done that. They have my first and last name, my present address and an email address, XXXX, that is not mine. They did not want to help me fix this other than by paying it. 

This has greatly impacted my credit score. I can find noone who can effectively help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX  account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX
Product: Credit card

On XXXX/XXXX/2015, Dillards/Wells Fargo Bank opened an unauthorized and fraudulent credit account in XXXX XXXX, XXXX in my name and, without verifying the accuracy of any information provided on that application, such as phone number, thus allowing {$2000.00} in merchandise to be charged. I discovered this upon receiving the card in XXXX, my home, on XXXX/XXXX/2015. In trying to work with Wells Fargo Bank to get all the information available on how this happened, find the perpetrator, clear my credit and protect myself, I was treated as the criminal not the victim. I was given no help, no curtesy, no explanations and no satisfaction that my welfare was of any interest. All I was told was that it would take from XXXX days to investigate. I have been forced to take numerous expensive steps to protect myself from the jeopardy that Wells Fargo Bank created because of their inadequate procedures to carefully establish identity before opening credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.
Product: Debt collection

Hi there, thank you for your time in advanced! 

My issue- I had a plan with XXXX XXXX for a few years. I decided to close the plan I had an switch over to a pre paid account because every month it seemed there was some hidden charge. Before I switched over to my new plan I had {$200.00} left to pay on my old one. I could not pay all of that at once so the accountants at XXXX XXXX said they could set me up on a payment plan of 4 payments of {$50.00}. 
I had been paying the {$50.00} payments for the last 3 months. On the XXXX month it was time to pay my last {$50.00}. When I called in to pay it, the woman on the other end told me I still owed {$200.00}. I informed her that I had set up a payment play a few months back and I have been making {$50.00} payments for the last 3 months. She told me she sees no history of that!! I had been calling in to make the payments instead of going online because I was told the payment plan option was not available online! With this said, that left me with NO receipts to go back to and show proof of my payments. After the woman telling me she see no payment history for me and I had no receipts to show, I felt very discouraged and let down that XXXX XXXX would be so careless. The woman I spoke to either had no idea what she was doing or XXXX XXXX all around messed up and something did not get recorded properly. 
This all happened almost TWO years ago and is now showing I owe a debt collector. I called the XXXX XXXX many times along with the debt collector and no one can seem to help. 

I am hoping cfpb can help me finally get this squared away. 

Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported as delinquent on my community account XXXX due to no payment. As is well known by now, XXXXXXXX XXXX  has been down for weeks and no access to accounts and no payments can be made, not online, not by phone and not by customer service. As of today, payments and account access are still not available to be made or accessed. Thousands have documented this on XXXX and XXXX. XXXX had originally claimed only 2 days were affected, but many, like myself have not had access going on 3 weeks. I have never missed a payment and now this has a negative remark on my credit reports and my score has gone down significantly.
Product: Credit reporting or other personal consumer reports

Noticed there were several hard inquiries on my report I did not recognize.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX or XX/XX/XXXX I posted a {$75.00} payment to my credit card which was Capital One it's a XXXX XXXX card has {$300.00} credit limit I don't need anything more than that. Don't want anything more than that. It's for emergency only. They have kept trying to send me a {$2500.00} credit card limit which I do not want. 

On the XXXX and XXXX of XXXX after the payment was posted they downgraded my XXXX XXXX XXXX points now I know that's excessive I've talked to people they don't normally do that. Especially after you pay off half of your balance. 

I have photos of when they downgrading my XXXX XXXX XX/XX/XXXX when the date was posted when it was taken out of my bank account and an email telling me that because I was using 50 % of my credit card that they downgraded at XXXX points which makes no sense I mean honestly it makes no sense.
Product: Checking or savings account

In mid XXXX, there were repeated attempts by a hacker to access my USAA accounts. My accounts were locked several times, but re-opened each time. 
USAA was aware of the situation and advised that I change my password, which I did. 
On XX/XX/XXXX, I was notified that a request to increase the limit on withdrawals was made, and I declined it. The card was not XXXX belonging to me, or any family member. 
When I called USAA, I discovered that in late XXXX, they allowed someone to add a phone number to my account, and sent them a debit card to access my accounts. The hacker then withdrew {$6000.00} in various amounts from multiple ATMs. 
My primary complaint is that USAA, knowing the situation, gave someone a card to my accounts and allowed them to add a number to my account. The fraud department admitted this on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX customer from XX/XX/XXXX-XX/XX/XXXX. I moved to XXXX where XXXX is not offered. I received my last bill but suffered a huge loss with an unexpected death in the family just two weeks after I relocated. I received a collections notice in XX/XX/XXXX and realized in handling the burial, I forgot about the bill. The collections agency submitted correspondence with misspellings. As an attorney, I attempted to check the validity of the company but wanted to pay through XXXX to which I was advised was impossible once it went to collections. I put the matter on the back burner. Fast forward to XX/XX/XXXX as I attempt to prepare to purchase a home, I receive a notification of late payments on one of my credit reports from XXXX XXXX. The XXXX account had been reported closed to all 3 bureaus and remains reported closed with ( XXXX  and XXXX ). Attempts to have the matter disputed with Experian have not been successful. Initially I was disputing the accuracy as the account has been closed for two years, no requests for payments have been received since XX/XX/XXXX and was previously notated as closed with each bureau. I have made calls to XXXX for an explanation. Today I was transferred seven times ( including being transferred twice to XXXX XXXX ) and no one was able to explain how an account that was previously notated as closed is now reporting late payment history. In one of the seven transfers I was able to speak with someone in collections who stated they had an old address on file. That is odd as the last bill was sent to my current address ( which as been my residence since disconnecting my fios account ). As an attorney, I understand that people aren't always accurate in the representations. That isn't the case here. I also work in senior management and would be appalled if my staff provided the level of customer service I have received. Paying the {$200.00} is not the root of the issue. Life happened and it became something that was pushed off as I dealt with very serious matter. For me, for this to come up now after being closed and cause a challenge to buying a home, especially when the other credit bureaus still reflect the matter as closed and in collections with no late payment history in the past three months is the bigger legal question I want answered.
Product: Checking or savings account

On XX/XX/18 my account went into overdraft in the amount of {$3.00}. I immediately deposited {$5.00} into my account which brought my account to current with a new balance of {$1.00}. 

I checked my account today to see if my travel check was in my account and it has not yet been direct deposited. I immediately noticed my account negative in the amount of {$43.00}. I did not have any new transactions and everything was posted into my account. 

I called the bank and I spoke to two representatives plus one supervisor and they all refused to give me my money back. I have my receipt from my deposit showing my balance was current yesterday. The first representative asked me a lot of personal questions from did I have a pay decrease, what is making me have financial difficulties, maybe I should cancel one of my bills that I have set up which is XXXX. All of these questions are irrelevant and none of their business. The bank took my money in fees and refuses to give my money back. 

It's not right!!
Product: Debt collection

I am having multiple issues with an USAA account that was over drafted by unauthorized usage on an account where I am an authorized user and not an authorized cosigner. The account was used without my knowledge or my fathers knowledge and is being reported as a defaulted collection. I have taken a police report and included it to company reporting data. I have asked for an investigation into the matter and an affidavit as well a complete listing of charges made on the account. No investigation or documentation was received. I have asked multiple times to have the matter reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting 5 credit accounts associated with a deleted chapter XXXX bankruptcy. Experian has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 6 months for these 5 credit accounts. Experian has deleted an erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, but has neglected to delete these accounts associated with the deleted chapter XXXX bankruptcy. The accounts needing DELETION are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus 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 : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; USDOEXXXX XXXX Balance : {$0.00} ; USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX and hoping that these questionable accounts will be corrected. XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$430.00}
Product: Debt collection

I contacted the collection agency after discovering a debt collection on my credit report. The collection was related to an XXXX XXXX XXXX XXXX account. I have never had an account with XXXX XXXX XXXX XXXX. I asked what address was associated with the account and it was an address that my daughter had previously lived at XXXX XXXX. My daughter and her roommates indicated that the account was paid on a regular monthly basis while they lived at the apartment. The account was in the name of one of my daughter 's roommates, so I am confused how the account would be associated with me if there is any dispute with the company.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the validity of the collection account associated with account number XXXX and a balance of {$610.00}. I have reviewed this account, and I am confident that this is not my debt. 

I do not have any contractual or financial obligation with LVNV Funding LLC, nor do I have any record of a debt with the original creditor, XXXX XXXX XXXX  XXXX, as claimed. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Proof that this debt belongs to me, including verification of my personal information associated with this debt.

2. Documentation from XXXX XXXX XXXX  XXXX validating the origin and legitimacy of this account.

3. A detailed accounting of how the balance of {$610.00} was calculated.

If you can not provide this information, I request that you immediately remove this account from your records and delete it from my credit reports.

Please consider this a formal dispute of the debt. As per the FDCPA, you must cease collection activities and provide verification before proceeding further.

I look forward to your response in writing within 30 days of receipt of this letter. If you can not substantiate your claims, I expect the account to be deleted immediately. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been attempting to make principal reduction payments with GM Financial so that I can pay off my loan early and lessen the amount of interest I pay. There is no option to make a principal reduction when logged into my account online. I messaged a customer service associate for help and they told me to just make the payment and message them to apply it to principal. When I then did so they said they would apply to principal but could not provide me a confirmation. I asked how I could verify this and they it would appear on my statement. There is no statement available later than XXXX in my account online and when I view payment history there is no breakdown. Every time I try to follow up with customer service they do not answer my question and when I clarify my question they stop responding. I then tried to submit a complaint on this issues on the GM Financial website and it gave me a message that said my complaint could not be submitted and to call customer service. The problem here is that their customer service will not answer the phone. As a consumer I am entitled to transparency with my account, verification of how my payments are being applied, and account balances including principal and interest amounts, which I am not receiving any of.
Product: Debt collection

A collection agency that I never heard of started to show up on my credit report for a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account XXXX, is inaccurately showing as a collection account on all three of my credit reports even though its in good standing with the company and each violations of this is XXXX dollars per day until its fixed and I need to have this fixed as I am trying to purchase a home. Attached are all the documents showing that the account is showing up as a collection on my credit report which is in violation of federal law and has made significant impacts to my credit.
Product: Checking or savings account

My account was suspended by HSBC USA without any reason. They asked me to called them to provide the information of recently activities and said they will get back to me in two days. However after 10 days my account still locked and the customer service didnt give me any useful information and just let me wait. I am very disappointed and need the money in my account for paying the rent. 

The bank account number is : XXXX Name : XXXX XXXX XXXX : XX/XX/1997
Product: Debt collection

I have contacted them on XXXX to request a validation letter where my name is included the amount which Is XXXX $ they said they will send it they never did or responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/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 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

Please remove these accounts as they aren't mine.
Product: Student loan

Navient failed to pay XXXX, which they are required to do. I paid Navient as I do each month and they failed to disburse the payment to XXXX, resulting in a negative mark on my credit report as a late payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, or personal loan

I discovered inaccurate and incomplete information on my credit regarding this account. The account number in question begins with XXXX. I discovered that the account was not fully reporting correctly as it is incomplete and inaccurate. At which point I started a dispute with the credit bureaus in and around XX/XX/XXXX. In and around XX/XX/XXXX I received a letter stating this account has been verified. I asked for proof of verification including the specific person 's name, email, phone number, etc, who verified that the account is listed with 100 % Accurate and Complete Information as required by the FCRA. I never got a response to that request from the credit bureau. 

I mailed Pentagon Federal Credit Union directly on XX/XX/XXXX at the address of : Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Of which, as of today XX/XX/XXXX, I have received no response from Pentagon Federal Credit Union in writing. I then proceeded to do two other disputes with XXXX, XXXX, and XXXX. In each dispute, the information returned as " The information you disputed has been verified as accurate. '' I sent another letter directly to Pentagon Federal Credit Union dated XX/XX/XXXX and still to this day, I have not received any verification or response. The issue is that Pentagon Federal Credit Union is in violation of FCRA by not ensuring the maximum possible accuracy that can be. I have highlighted, circled, bolded, drawn, and written out several violations that you continue to allow to be reported to my credit report. I am giving you one last opportunity here to do the correct these errors as I am prepared to file suit for the harm and stress this erroneous reporting has placed upon me and the lost opportunities that have come from it. I have attached many documents to this case for your examination. If taken the time to look through them, I am sure that you will easily find a host of FCRA violations as I have. I am requesting this account be deleted immediately and a deletion letter be forwarded to myself as soon as possible.