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

This account was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification. I also am a victim of fraud and identity theft, which I found out about 8 months ago. I sent a letter of suppression to block the XXXX XXXX XXXX XXXXXXXX reporting on XXXX and Equifax is showing XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX reporting, which were both deleted. I included FTC and police report with my ID documents and 605B letter. I am sending it out again this week, since both XXXX and Equifax are reporting the inaccurate information still. I want the collection accounts removed as I should have none. XXXX is the only CRA reporting correctly XXXX collections.
Product: Credit reporting or other personal consumer reports

The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Experian Or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX checkR had distributed falsified information regarding my public records in regards to criminal action. When asked to fix my record I was informed I must pay for a report and send it to them. I was advised that as they are a private party, hired to do checks, that this DMV report should not have to be at my expense. I did send a screen of the court dispositions, however I was told without paying for the DMV report that my record will stand. They further stated that they have directly pulled a current DMV record for me on XX/XX/XXXX and previously in XXXX. On XX/XX/XXXX the XXXX verified that what was reported is no where on my records. In XXXX I also informed the company of them falsely reporting. I then mailed the court document. The same court document XXXX at ChechR referred to as the final court document, and told me I needed to submit on XX/XX/XXXX.
Product: Debt collection

Subject : Complaint Regarding Alleged Debt Owed to NATIONAL CREDIT I am writing to file a formal complaint regarding a debt that I allegedly owe, which is now under the ownership of the collection agency NATIONAL CREDIT SYSTEMS. Despite the purported ownership of this debt, I have not received any written communication from this company providing details about the account in question. 

I called them and disputed this debt last year XX/XX/XXXX and this year XX/XX/XXXX. 


As of XX/XX/XXXX. XXXX, I have not been provided with an account number or any documentation from NATIONAL CREDIT SYSTEMS, leaving me unsure how to proceed in resolving this matter. The appearance of this alleged debt on my credit account without any prior notice or validation is deeply concerning. 

I kindly request your assistance in navigating this situation and ensuring that my rights as a consumer are upheld. Any guidance or support you can provide would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

Im trying to link my bank account to a site because their giving XXXX money away to XXXX XXXX an its faster an pnc blocked the option
Product: Debt collection

keeps calling about a debt. during a time of covid-19 and I was laid off as of XX/XX/20 and they keep calling trying to collect a debt I'm not aware of from phone XXXX
Product: Checking or savings account

Having tried to resolve in a previous complaint with this Bureau, the fact that the U.S. Bank continues to withdraw money without authorization, the complainant now states that this same problem has arisen again. 
In that on, or about XX/XX/2022, U.S. Bank over drafted the checking account after we discussed removing any and all courtesy transaction features that exceeded the amount available. 
Even so, today I discovered a charge that exceeded the amount available in the account, though they agreed to discontinue this practice. 
The amount was in the sum of {$780.00}. 
Steps were taken to remedy this problem and mitigate the loss. 
However, the bank violated our contractual agreement irrespectively. 
Once again demonstrating they are gaining transactional permission without my consent. 
This problem wasn't corrected, and I have now been affected thereby. Both physically and emotionally.
Product: Credit card

I was sent a letter that my Capital One Walmart Rewards Card was closed but was given no reason. When I called today, the representative told me that it was a bank decision but could give me no reason.
Product: Student loan

I believe PHEAA to be in violation of unfair credit reporting and collection tactics during the pandemic. My loans went into default at the onset of the pandemic despite me attempting to work out a payment plan with them. Not only did they continue to report that I was in collections but they reported that I was late as well thereby purposely and maliciously affecting my credit. If that wasn't bad enough they sent my account over to a collection agency and added a whopping XXXX, XXXX to my loan bringing my loan to XXXX from XXXX. I feel that this is unjust and malicious in nature
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX  Balance Owed : {$15000.00}.
Product: Debt collection

The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did 4 hard inquires in 4 days. XXXX2017XXXX XXXX2017, XXXX2017, XXXX/2017. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
Product: Payday loan, title loan, or personal loan

Took a {$400.00} loan out with Blue Trust Loans. It was explained what the payment plan was to pay off this amount. No explanation of interest amount was shared with me. Only thing explained was that a payment of {$75.00} would be my first payment and 6 additional payments of {$100.00} would be taken out of my bank account. After the XXXX full payment is made, the loan would be paid in full. I spoke with a representative of Blue Trust Loans tonight, XX/XX/18 and was informed I still have 6 more months of bi-weekly payments of {$100.00}. I explained to the gentleman that they did not fully explain that I would be paying over 400 % interest on a {$400.00} loan. There is no way possible I would take a loan out with interest that outrageous. The dates they have received payments are as follows : XX/XX/18 - depositedv {$400.00}, XX/XX/18 - withdrew {$75.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}. Again, all they ever explained to me was the 1st payment of {$75.00} and 6 additional payments of {$100.00} and then the loan would be paid in full. I feel I am a victim of fraud by this company. If, at all possible, help me resolve this issue, as I feel I should not have to pay the outrageous interest they are charging me. I have already half the amount in interest on my {$400.00} loan and feel that is adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This seems to be the same issue when you guys sued Freedom Debt Relief LLC back in 2019. They have pulled out over {$3400.00} from my checking account and claimed that they " settled '' accounts, when in reality they took the fees to pay themselves first and paid only {$1.00} to {$25.00} to the creditors. At this point I am filing Chapter XXXX Bankruptcy due to this and need those funds back for the services they did not provide/finish. I tried to go another route with a different debt relief company but I am already to much in the negatives. They need to give me back my funds for services they didn't even list. 

Please call or email me at anytime regarding this. XXXX or my cell is XXXX. I am looking at a total of {$5000.00} in damages from them ( {$3000.00} for scam fees and {$2000.00} emotional damages ).
Product: Credit reporting 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Please ensure that my credit file is not confused with individuals who share a similar name, address, or XXXX. It is imperative to verify all identifying information thoroughly. All claims, regardless of their validity, must be substantiated as currently and completely true, correct, and timely. They should also be demonstrably of my ownership, my responsibility, and compliant with all applicable reporting laws and standards, including but not limited to the XXXX, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others. 
Per the laws and requisite reporting standards, any entity found in violation of my rights will be subject to legal action. Should you persist in retaining and/or reporting any deceptive allegations even after my submission of a formal consumer complaint, you are hereby instructed to promptly remove any and all unsubstantiated claims from my credit report. 
Please conduct a thorough investigation within the next XXXX days and ensure that my credit file is accurate, complete, and compliant with all relevant regulations. Your cooperation in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.
Product: Debt collection

On XX/XX/2022, I was informed that three collections had been added to my credit report. Upon searching for a number and after speaking with several reps that looked up my name, number, and social security number to no prevail ; I finally was able to speak with someone who found the collections, even though I was not in their system. She stated that there was 5 collections in total, even though only three are being reported and she couldnt tell me why the other 2 were not being reported. She also stated that she couldnt give me any information on these collections, but I could go to care.uscbamerica.com to request an itemized list immediately. I went to the website, and once again it was a dead end with no records and an error message and it did state that it takes up to 4 weeks to receive a list ; which was not what was told to me. I asked if I were to pay the amount, if it would be removed from my report. She stated yes, that it would be completely removed from collections. Her team lead stated otherwise when I had called back to make a payment. This company didnt have my address, phone number, or SSN nor have I received any type of bill or notice of the original debt and the collection debt. I feel this may be a fraudulent attempt to collect money, or possibly a fraudulent company as an entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX account Experian has violated my Rights 15 usc 1681 Section 602 States I have the right to privacy.

16 USC 1681 section 604 A section 2 : it also states a consumer Reporting agency can not Furnish an account With out my written instructions.

15 USC 1666B : A creditor may not treat a payment On a credit card account Under an open End consumer credit plan as late For any purpose.
Product: Credit card

I want to file a complaint against Comenity Bank Visa. I opened this credit card with XXXX XXXX. I was doing a purchase with them on XX/XX/year> of {$970.00} but was told the credit machine was broken so we end up cancelling the purchase and i never signed the purchase then refunded me on XX/XX/year>. On XX/XX/year> they charged me again for {$970.00}. I called XXXX XXXX and they directed me to call Comenity Bank, they directed me back to the XXXX XXXX. I was going back and forth for a month now and nothing is resolved. XXXX XXXX stated there was nothing on my account but the statement sent by Comenity Bank stated otherwise. Comenity bank told me there is nothing they can do. I am currently battling with late fees on a purchase that i was told was invalid. Another problem is that they have this credit on file but they never even send me a physical credit card yet they were able to charge it.
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 : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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: Payday loan, title loan, or personal loan

This company does not respond for customer service at all. I have done EVERYTHING... 
email, call, leave message on the support tab online, tried resetting my password, left messages for them on social media ( XXXX, XXXX and XXXX )... 

It says that I am locked out of my account, i need to reset my password, I submit to reset my password and it will not let me access it.. .they NEVER send me a link or an email to reset it. 

I have done everything, I need to update my bank info to make a payment but I can't even get into the app. BeforeI logged out ( trying to get the app to work ) it would let me log in but it would NEVER load. There was no way to see any of my information. 

Now I have a payment due and it's going to be late and it'll affect my credit because they can't help me! This is absolutely ridiculous and this company needs to be stopped. I shouldn't be treated this way and I need to make payments!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Mortgage

XXXX XXXX XXXX is reporting a charge off/foreclosure on my credit but it was never a charge off or foreclosure. I sold the house. They are reporting inaccurate.
Product: Checking or savings account

On XX/XX/2022 I received a call from this name and number XXXX XXXX, XXXX stating that I had ordered XXXX. Today I was contacted by this phone number XXXX stating the same thing. I did not Altherize either transition. So I tried to checked my account on and was dinied access.
Product: Credit card

Please review the enclosed documents. Commence an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately marked as late.
Product: Debt collection

Initial contact with this company was a letter threatening to sue me for a debt that is beyond the statue of limitations. This was confirmed by the inclusion of " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' that a previous collection company sent me in a discount offer. 
They also added {$260.00} to the alleged debt without any debt validation. 
I called the number on the letter and was chastised and threatened with legal action by a quite irate unidentified man unless I paid the alleged amount in full that minute.
Product: Debt collection

Hi my boyfriend and I are receiving suspicious phone calls, texts, and emails about fraudulent products. I received a letter today with an original creditor, XXXX XXXX  XXXX  XXXX. 

I have never done business with XXXX XXXX XXXX XXXX and paid off all debts except student loans last month after a charitable gift. 

Also, someone is threatening to deport me. I was born in XXXX XXXX  and a man risked his life to retain my photos, original Id documents from XXXX and XXXX XXXX XXXX  high school years. My family was affiliated with the XXXX  church  and I was baptized in XXXX XXXX at that church site. ( Documented ) I lost my baptism garment from childhood as well as the majority of my belongings to someone impersonating me. Again I had one fan who was amazing and grabbed a box of my stuff. He couldnt even give me any information. I was the victim of a home invasion in XX/XX/XXXX in XXXX XXXX. It was us military, NASA, and a member of XXXX  XXXX. At the time, I was working on a XXXX  degree at XXXX XXXX as well as working as a XXXX XXXX XXXX. I had notes from work in my apartment. 

I reported the prank XXXX phone calls, two, two text messages asking for information related to XXXX, as well as emails and phone calls from a woman named XXXX. She was trying to sell me fake products like watches made with NASA equipment as well as cattle cloning packages. 

My boyfriend and I politely ignored these calls. To be fair, I am bilingual XXXX, but I look very XXXX. I am being accused of being XXXX. We are not XXXX  and I think XXXX is enough harassment. As is, prior to graduating with a four year degree in XXXX  in less than three years in XXXX, we had to move due to harassment every two years or so. I worked very hard to get into XXXX XXXX, and the men who invaded my apartment looked very XXXX. 

My cousin is a XXXX XXXX and will support my claims. He thinks he might know which is branch of the military accompanied by NASA this is. I guess well continue to face barriers to employment and threats to our safety while being ignored? 

Kind regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the banks regarding this late payment, and they have approved updating the accounts to " closed or open/never late. '' The banks have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report 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: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry DateXX/XX/2023
Product: Checking or savings account

On XX/XX/XXXX a check that was dated for XX/XX/XXXX in the amount of {$950.00} was deposited into my account the name on the check was XXXX XXXX XXXX XXXX XXXX I did not endorse it my name is nowhere on the check I know nothing about the check I have been trying to call SunTrust going on 2 days now I'm at 4 hours right now and I'm unable to get anyone on the phone