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

I have 2 XXXX accounts, one was with XXXX XXXX the other was with XXXX ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX sent in a request to XXXX to remove all tradelines on my XXXX account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX to remove all tradelines with XXXX XXXX ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.
Product: Debt collection

I do not know what this bill is for and did not receive any services.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXXXXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, SC XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, Equifax & XXXX Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX , GA XXXX - XXXX XXXX XXXX XXXX , GA XXXX - XXXX XXXX XXXX XXXX , GA XXXX Remove - XXXX XXXX ( XXXX ) XXXX, Balance : {$5900.00}, Payment status : Collection/Charge Off - XXXX  XXXX ( XXXX ) OpenedXXXX, Balance : {$290.00}, Payment status : Collection/Charge Off - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX, Balance : {$4500.00}, Payment status : Collection/Charge Off - XXXX XXXX ( XXXX ) Opened:XX/XX/XXXX, Balance : {$5900.00}, Payment status : Collection/Charge Off - XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Payment status : Collection/Charge Off, Balance : {$4500.00} Fraudulent Accounts listed : Remove - XXXX  XXXX BANK NA / XX/XX/XXXX - XXXX / XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit card or prepaid card

I've encountered severe unemployment and business issues as a XXXX american suffering from discrmination. 

I shared with BB & T these matters in XXXX. 

I sought a workeable repayment plan or a way to settle the account for less than the amount owed. 

I like many Americans, started having Covid-19 effects on finding employment and a business I pursued became unable to function. 

XXXX Americans have had tremendous issues getting the PPP and the otehr CARES programs are still virtually unavailable to us. 

I've called BB & T multiple times in XXXX, XXXX, XXXX and today trying to ereese negative information and setting up a workout solution. 

I can't get anyone to take my call, correct my credit report, give me data to clear this from my credit history, and work this out. 

I called BB & T this past week ( Week of XX/XX/XXXX ) more than 6 times. No replies, no personell, no date, nothing.
Product: Credit reporting

NONE OF YOUR CATEGORIES FIT MY PROBLEM. 
I am trying to apply for health care. My identity is apparently verified through Experian. I am told I have to lift my credit freeze, for which a fee is charged. I believe there should be no fee related to health care identity verification. I am unable to find ANY TELEPHONE NUMBER THAT WILL CONNECT ME WITH A HUMAN at Experian so that I can try to resolve this issue. I have been unable to find any other source of information about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$5200.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, a door-to-door sales person came to my home with information about water filtration systems. I signed paperwork for the under sink and bathroom system which I cancelled on XX/XX/2018 as stated in the contract, it should have been removed from my home without any further issues/payments. Well, the dealer ( s ) can't be found and they're running this scam on other people. Eventually I found the dealer ( s ) and informed them that the system was to be removed from my home and I wasn't going to make any further payments. Then I received another bill for an additional {$9000.00} for what I thought was the same system. Upon further investigation, I learn that the owner ( s ) of XXXX XXXX and XXXX XXXX are working together scamming people. The first system was to be removed which is owned by XXXX XXXX ... I've scheduled a delivery with XXXX XXXX Police Department to supervise the removal. The system XXXX XXXX is claiming I completed a contract for is a total forgery. The system isn't even installed and the owner of XXXX XXXX called me today threatening me and said it would installed in XX/XX/2018. He's already spent the money that he got from the finance company and now he's trying to get me to go along with his scam. He's making payments on the account as well because he doesn't have the money that XXXX XXXX paid him for the system installation. So now, I have XXXX XXXX and XXXX XXXX XXXX me while the owners of XXXX XXXX and XXXX XXXX profit by committing fraud. XXXX XXXX and XXXX XXXX have done nothing to resolve these issues. XXXX XXXX is well aware of the fraud committed by XXXX XXXX XXXX ( XXXX # XXXX ). The owner of XXXXXXXX XXXXe is XXXX XXXX, Ph # XXXX ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ext XXXX ) ; POC for XXXX XXXX is XXXX XXXX ( Ph # XXXX ), XXXX XXXX ( sales person - Ph # XXXX ). In humble opinion, all the aforementioned individuals are complicit, knowing, and willing participants in this scam. At this point I don't trust anyone!!! XXXX XXXX XXXX had the nerve to tell me we had a gentleman 's agreement for him to pay for the system ... REALLY!!! At two individuals have outright committed forgery/fraud and should be punished to max extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called XXXX, XXXX and Experian. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a mental depression behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX{$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Customer Service Manager at Experian Experian NCAC Email : XXXX XXXX XXXX Operations Manager Experian NCAC XXXX XXXX XXXX CEO CEO Experian Americas XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator Experian North America XXXX XXXX XXXX CEO North America Experian PLC XXXX XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corp Corporate vice  president chief legal officer XXXX XXXX XXXX XXXX XXXX XXXX EVP Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX   Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Vehicle loan or lease

I recently applied to Audi, for a lease.. I have an applied in the past before. This time the representative at the dealership said that Audi doesn't want to do business with me and has me block and will continue to keep denying my application. I have yet to receive any correspondence from the Audi financial. I believed because I applied in the past in the reason why they are denying, initially when I applied years ago I had some credit issues related to fraud. I have recently removed all negative and derogatory information that was reporting. I have been to court on this issues, filed numerous police report to prove I was a victim of Identity theft. 

Audi I belive is now discriminating against me. XXXX I qualify to lease any car, and income I qualify there as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How does a dealership and respond and days Audi financial does not want to do business with you .... I have the recording of the sales rep saying this to me .....
Product: Credit reporting or other personal consumer reports

XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their XXXX department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. XXXX said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended you.
Product: Credit card or prepaid card

This is regarding credit card transaction dispute which is denied 2 times from credit card provider. The claim was submitted for moving service company who overcharged me for transferring my household stuff from XXXX, Ohio to XXXX XXXX, New Jersey. 

Transaction date : XX/XX/2020 Credit card company : Bank Of America Amount disputed : {$730.00} I have provided all the details to them including receipt and contract but again and again they are asking for the original receipt. I have provided enough proof to indicate that movers company is overcharging me for the service which they have provided but the bank was unable to resolve my claim.
Product: Checking or savings account

On XX/XX/2020, an unauthorized ACH transaction took {$2300.00} from my Navy Federal Credit Union ( NFCU ) checking account. I contacted NFCU immediately upon discovering this transaction -- informing them that I did not initiate the transaction. The checking account was closed and a fraud claim was completed. 

On XX/XX/2020, I received a letter from NFCU dated XX/XX/XXXX. The letter stated in part, " After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$2300.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' Requests for the fraud claim investigation information have been made through several phone calls to NFCU, two visits to local branch offices, and by email. Each time, I was told that the investigation report was the property of NCFU and can not be shared with me and that it would have to be subpoenaed. Their letter stated that I the right to request information concerning their investigation, yet, repeatedly, I have been denied the information needed to submit an appeal. 

I feel that NFCU failed to protect my checking account and failed to take action to retrieve funds that were fraudulently taken from my account and transferred to a XXXX   XXXX XXXX account even though they had the name of the individual and bank account information.
Product: Credit card or prepaid card

After speaking with 3 representatives including a manager, my issue went unresolved. 
Capital One did not want to take responsibility for not providing the total accrued balance at the time I went to make a full balance payment. My statement amount said {$9600.00} with due date of XX/XX/XXXX. I paid an amount of {$9700.00} on XX/XX/XXXX as that is what their website had as the " current balance '' with all intentions to pay off the card in full with interests that reflected the higher amount than my statement. 
I knew that higher balance I was paying included interest and I know that I am responsible for that interest which I had no problem paying. My issue is that 7 days later I was charged an amount of {$140.00} of interest charges. No where in their payment processing options is there a disclosure that my " current balance '' may not be up to date. Consumers are not aware with this at the time of clicking on " current balance ''. Therefore there is not an updated " current balance '' nor does it state on the payment option prompts that the current balance may not reflect what the " pay off amount '' may be.
Product: Credit reporting or other personal consumer reports

I have been disputing the negative mark on my credit report from XXXX XXXX and all three credit bureaus, The transmission went out in my car and I called XXXX to see if they would be able to fix the transmission and I was denied due to the warranty being over by 1 mile. XXXX knew they sold me a lemon to begin with and for them not be willing to fix the transmission and demand the car payments is not right at all. XXXX says the balance on the vehicle loan is {$13000.00} however to replace the transmission on my own would have cost me over {$4000.00} and I don't have that kind of money and is unable to keep up. I asked what else could be done since I could no longer drive the car since the transmission went out and I could no longer keep up with the payments due to financial hardship. XXXX said there was nothing they could do and allowed the car to sit outside of my house for 3 months on purpose so they can put it on my credit as a repossession and put a negative impact on my credit report. After going back and forth with XXXX I asked for my 1099-C to show the debt has been cancelled on their end and they wrote it off as income. When I finally received the 1099-C it does not have my correct address on it. I called XXXX to get answers they told me that I can put the 1099-C on my taxes however they did not mail me a new 1099-C with my correct address which would cause issues. XXXX told me I still owed the debt and the 1099-C form really doesn't mean anything anymore and it can not be used to remove the negative mark on my credit report and the 1099-C is only for my records. I have never lived at the address listed on the 1099-C. The date of identifiable event on the 1099-C is incorrect ; XXXX has XXXX as XX/XX/XXXX however they came and got the none working vehicle in XXXX. XXXX XXXX XXXX  is identifiable event code ( G ) meaning XXXX made the decision to discontinue collection to pursue payment. XXXX never changed the address on the 1099-C because I never received an updated one which causes a discrepancy with the credit bureaus when I submitted the 1099-C to XXXX, XXXX, and Transunion and filed disputes XXXX all three credit bureaus told me they spoke to XXXX and XXXX told them not to remove the negative mark and all the information on the 1099-C is accurate and that is not correct. I just checked my credit reports and all three credit bureaus have the XXXX negative mark to fall off XXXX of XXXX and it says XXXX XXXX. Which means they came and got the vehicle in XXXX ; because XXXX will be 7 years and by law the credit bureaus have to remove it from my credit report. Also, since the credit bureaus have Paid off regarding this account it should not be on my credit report.
Product: Money transfer, virtual currency, or money service

I had accidentally sent XXXX XXXX  to the wrong user, I call to dispute it & they say they simply cant help me with my dispute. theyve also done this with a XXXX XXXX + unauthorized purchase a few years ago. in that case they said since the merchant accepted the money they cant help me. I contacted the merchant & they said that it was up to CHIME TO MAKE THAT DECISION. they have issues with handling disputes, it needs to be addressed & resolved.
Product: Student loan

On XX/XX/year> I called XXXX to talk about my XXXX XXXX XXXX. The customer service rep said they were going to open a ticket about my account because the customer service rep said themselves that " something was wrong '' on my account portal regarding the principal balance of the loan, which should be lower. 

The customer service rep said they would submit a ticket but instead we spent time discussing my loan forgiveness and cancellation options through them with various forms. 

I was never told specifically what the issue was on my account. I was not given a ticket number or a time frame to know when this issue will be investigated and my principal amount due updated. 

Additionally, the loan servicer was sending my statements to the wrong address on file, and although I updated my file, I am now 3 months behind on payments because I was not aware they changed my loan servicer, nor that the statements were being sent to the wrong address, my previous address. It is unacceptable because they are servicers through the Dept of Education/ECSI and I was receiving statements from another servicer, XXXX, through the dept of education, without having to update my address since my new address was already on my studentaid.gov profile, as well as my credit report, to which these loans are already reporting.
Product: Mortgage

Modification denial, principal reduction 4 what the home is worth, XXXX XXXX XXXX
Product: Debt collection

IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.
Product: Consumer Loan

XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX XXXX. no. XXXX, Finance Mgr : " XXXX '' ; Sales Agent : XXXX XXXX '' leased me and my spouse XXXX XXXX XXXX XXXX a XXXX new XXXX XXXX XXXX, accepting the surrender of a XXXX XXXX XXXX in late XXXX. The later vehicle was on a 36 month earlier lease and was not due for expiration until XX/XX/XXXX. However, the Sale Agent and Finance Mgr. offered to accept the XX/XX/XXXX on that day and accept the vehicle in exchange for the leasing of the new XX/XX/XXXX model. The terms included my payment of {$1200.00} and new lease payments of {$340.00} per month going forward. We accepted their offer at which time they inspected, photographed and took full possession of our XX/XX/XXXX XXXX. There was ABSOLUTELY NO STATEMENT REGARDING ANY DEFECTS REGARDING THE PHYSICAL CONDITION OF THE SURRENDERED VEHICLE. Neither myself, my wife, nor the dealer 's agents found any physical fault with the vehicle being surrendered for lease termination. HOWEVER, 2 day ago I received a bill from SOUTHEAST TOYOTA FINANCE ( the leasing source ) totalling {$820.00}. Their notice demanded payment without delay. Since neither the dealer 's agents who inspected and accepted the vehicle XXXX months earlier as witnessed by myself and my wife observed no physical damage when surrending same, IT IS UNCONSCIONABLE FOR THE LEASING COMPANY, SOUTHEAST TOYOTA - phone no : XXXX to solicit such payment from we, the good-faith contracting consumers. Please remediate this matter on our behalf. I contacted the Sale Agent, " XXXX XXXX '' who claimed ignorance of this issue.