23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Cell : XXXX e-mail : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Regarding Duplicate Reporting of Nissan Motor Account by XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am writing to bring a matter of significant concern to your attention, about the credit reporting practices of XXXX, XXXX, and XXXX, the major credit reporting agencies. 
Upon a recent review of my credit reports from all three agencies, it has come to my attention that the same Nissan Motor account is being reported twice by each agency. This duplication is not only inaccurate but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the reporting of a single account more than once. 

Details of the duplicate reporting are as follows : Account Name : Nissan Motor Account Number : XXXX Reporting Date : XX/XX/XXXX The presence of this duplicate entry is not only misleading but is also adversely affecting my creditworthiness. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, with the duplicated entries highlighted for your reference. 
I have diligently attempted to address this issue by disputing the inaccurate information directly with each of the credit reporting agencies. However, despite my efforts, the duplicate entries persist on all three credit reports. 
Enclosed with this letter, please find the following documents : XXXX. Copies of my credit reports from XXXX, XXXX, and XXXX highlighting the duplicate entries. 
XXXX. Correspondence with each credit reporting agency regarding the dispute. 
I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter thoroughly. The repeated and inaccurate reporting of the same account not only violates the FCRA but also undermines the fundamental principles of fair credit reporting. 
I am seeking your assistance to ensure that XXXX, XXXX, and XXXX rectify this issue promptly, correct my credit reports, and adhere to the legal obligations outlined in the FCRA. Your intervention is crucial in restoring the accuracy and fairness of my credit history. 
Thank you for your attention to this matter. I appreciate your efforts in upholding the rights and protections afforded to consumers under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Transunion failed to specify Please provide the following : Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

As well as written signature that I signed for the debt with XXXX XXXX XXXX. 


This account has already been removed from XXXX and XXXX and has yet to be deleted properly
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. 
Please help me get these unauthorized inquiries off my credit reports. 
XXXX is reporting unauthorized and inaccurate inquires and information on me : INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX is reporting unauthorized and inaccurate inquires and information on me : Listed below are the Inquiries that are being challenged INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX Experian is reporting unauthorized and inaccurate inquires and information on me : Listed below are the Inquiries that are being challenged INQUIRY - EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I clicked on a Pre-Approved Discover Card link on XXXX XXXX app. The XXXX is part of the XXXX  Membership app where credit offers are routinely displayed as a result of my XXXX credit score.

When I clicked on the link it stated there would be no impact to my credit score. I have attached the screen that I checked. 
As soon as I checked the box and clicked the button, I was informed by XXXX that obtained my credit report. Them doing so caused my credit score to go down XXXX points. 
This is misrepresentation as they said I was pre-approved but they declined my account and their activity caused my score to decrease XXXX en though they said it wouldnt.
Product: Credit reporting or other personal consumer reports

I've received A Copy Of My Credit Report and saw these fraudulent accounts and Inquiries and addresses Reporting please help me removedelete these fraudulent accounts and inquiries out my credit report its been destroying my life and my family life and this is a major violation of FCRA LAW CODES : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 605 B 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
Product: Debt or credit management

I used Lexington law and they didnt provide the service they promised
Product: Credit reporting or other personal consumer reports

I have no idea who this company is I have no agreement to do any business with them if I owed them money Im sure they could have contacted me before ruining my credit report I have no problem paying my debts I had XXXX anything in collections until this hopefully we can resolve this matter and have all parties satisfied with the outcome
Product: Debt collection

I orderd a couple pairs of shoes from XXXX XXXX for my mom when I received them they did n't fix her and they do n't have half size shoes or larger size, so I returned them, next thing I knew XXXX said, you have to pay for the return, I had no ideal there was a charge to return them. 
so I had to dispute with XXXX, they say they were sorry and that was it. 
so I continue to get bills for plus late fee of XXXX dollars and the amount of return was XXXX dollars so after months of billing me XXXX was due for XX/XX/XXXX bill to comenity.net.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and Experian sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX  student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan  1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
Product: Mortgage

Wells Fargo is trying to liquidate my home and not help me because of their own self inflicted financial problems. WELLS FARGO MUST RE-INSTATE MY MORTGAGE. THIS ARTICLE IS EVIDENCE THAT THEY NEED TO LIQUIDATE ME AND NOT HELP ME. THIS ARTICLE APPEARS ON LINE TODAY XX/XX/2020 IS EVIDENCE THAT THEY ARE IN TROUBLE. THEY MUST PROVIDE ME WITH A SOLUTION XXXX XXXX Wells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll XXXX XXXX XXXX hrs ago Inside XXXX XXXX, XXXX XXXX Virtual Hearing : What We Learned XXXX XXXX 's son, daughter die weeks apart XXXX logoWells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll Wells Fargo is resuming layoffs, as the beleaguered bank looks to cut costs to cope with the coronavirus pandemic and long-running regulatory issues that have hampered its growth. 
Wells Fargo has set aside billions of dollars to account for loan losses exacerbated by COVID-19s toll on the U.S. economy. Additionally, the bank is constrained by a {$2.00} XXXX asset cap imposed on it by the Federal Reserve. That asset cap was imposed as punishment for a wide range of misbehavior that emerged at the bank in the late XXXX, most notably a scandal in which employees opened hundreds of thousands of fake credit card and deposit accounts in customers names. 

The asset cap has hindered Wells Fargos ability to keep up with its competitors among major banks. Most recently, the bank has had to sell hundreds of millions of dollars in assets to stay under that cap even as competitors expanded their corporate lending in the coronavirus crisis. 

The latest moves come as Wells Fargo CEO XXXX XXXX looks to conclude a strategic review of the company that he launched upon joining the bank last fall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent XXXX a letter requesting my personal information to be updated and to receive a updated copy of my Consumer Report sent to me via mail. 
I have yet to receive a response!
Product: Mortgage

This complaint is against Springleaf Financial. The loan was acquired in XXXX of 2007. The loan amount was for XXXX dollars. With interest it totaled XXXX dollars. I 've paid about XXXX. I still owe XXXX. How is that possible? I paid XXXX a month until they told me to pay XXXX a month. When you look at the payment history, some months nothing went toward the premium. Some months maybe XXXX or XXXX dollars went toward the principal. They are a rip off. How can you pay XXXX on a XXXX dollar loan and still owe XXXX dollars, which was what you borrowed. I saw some review about Springleaf on the internet and XXXX lady said she had the loan before she bought her car and has since paid her car off but still owe Springleaf XXXX dollars. Someone really needs to do something about them. They are taking people money. Especially the elder. The loan has really been paid off and they still want XXXX dollars. If nothing can be done, I 'm going to the media. I 'm also XXXX and have to get my daughter to deal with this problem. Also I have tried to get them to send me cancelled checks because they said I borrowed XXXX and XXXX after the intial loan which I did not. They can not show me who received the money because it was not me. They have no way of showing who received the money
Product: Payday loan, title loan, or personal loan

I applied for a credit loan and then paid in off on XX/XX/2018 through First Virginia. After it was paid off, First Virginia allowed someone to call over the phone, impersonating me, and apply for a second loan with my knowledge, consent, or a signature. Now, I'm stuck paying a loan off that I didn't ask for because they said they did nothing wrong.
Product: Credit reporting or other personal consumer reports

Have contacted all XXXX credit reporting agencies via online dispute system, numerous letters, and phone calls to remove XXXX XXXX XXXX XXXX from all XXXX reports. All XXXX agencies are reporting different information regarding the account. Payment arrangement was set up with XXXX in XXXX and within two weeks of payment arrangement, account was transferred to Collection agency XXXX XXXX XXXX XXXX XXXX  ) which agreed to remove negative XXXX XXXX XXXX  from all XXXX reports, once balanced is paid in full. 

I was advised they would report to XXXX to remove the negative item in full from my reports because they would have settled the account. Once the payment was received, within 30 days XXXX XXXX XXXX would no longer be on any of my credit reports. Payment of {$2300.00} was paid via debit card on XXXX XX/XX/XXXX and the negative reporting is still showing on all XXXX reports from XXXX with a balance of {$15000.00} since XXXX. 

This information is inaccurate, outdated, and deems are unfair reporting practices. I have disputed this line item several times with the credit bureaus and each time it comes back with item remains with explanation. 

This adverse reporting is affecting my overall score.
Product: Debt collection

Best Buy / CitiBank failed to give notice that they had charged an inactive credit card and have charged me exorbitant late fees - Their records indicate that my name is associated with three different account numbers - An inactive card was charged - Company failed, after numerous calls, to locate debt - NOTE : that 2 offices of Best Buy credit services and Citibank NA Recovery department are involved 1. Purchased item at store for less than {$200.00} with credit card ( late XXXX XXXX ) 2. Received notice from XXXX XXXX ( XXXX ) that Best Buy card was more than 30 days late and that my credit score was down 3. Called Best Buy customer service at least 4 times ( XXXX ) and they verified credit card was up-to-date no late payments and sent me letter verifying that 4. Subsequently received letter from another Best Buy office that charge / late fees were valid 5. Called Best Buy customer service again. Gave them card number that was on second letter, which was different than card I use ending to make original purchase. Rep said this account was the same card, but then transferred me to manager 6. Manager claims store associate charged a card from 8 years ago 7. Never received a bill, email, or collection call for this charge. When my Best Buy bill is due, I get an email alert and pay with autopay on time every month 8. Cards were linked I received an email asking me to review all the current products I had purchased at Best Buy, including the most recent purchase, allegedly on another card. Best Buy could have reached me before charging late fees and contacting credit bureau 9. When I did finally get a bill in XXXX, with an altogether different account number, late fees had already been added totaling more than {$100.00} 10. When I tried to reach Best Buy again with this account number, they had moved the account to the Recovery department 11. Called Recovery department. Reps were totally uncooperative. I filed a dispute with them, which was never considered or even looked at 12. Received a bogus letter from Recovery department that said they needed more information. When I called back, Rep said that was an auto-generated letter and that they did not need more information just wanted to let me know they would not reverse any of the fees 13. I have received another bogus letter that my enrollment in an Enhanced Debt Protection program was canceled and that I should call them. I was never enrolled in such a program 14. I now owe more than {$600.00} for a purchase that was less than {$200.00} and my credit is ruined 15. Please help 16. I can supply documentation for any of the above claims
Product: Debt collection

I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the first time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both XXXX and XXXX to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation