23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The XXXX mistakenly filed a tax lien against me. I contacted them and they sent me a letter to mail to XXXX, Equifax and XXXX telling the credit bureaus to delete any reference to the tax lien. I sent them the letters explaining that the lien was placed in error. 
Equifax refuses to remove the lien entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WITH XXXX XXXX BEING THE ORIGINAL CREDITOR THEY SHOULD HAVE ACCESS TO THE INFORMATION TO PROVE THAT THE ALLEGED DEBT THEY ARE CLAIMING BELONGS TO ME IS ACTUALLY MINE. BECAUSE I CAN NOT GET XXXX  XXXX XXXX OR LVNV FUNDING TO COOPERATE, I AM ASKING THE CFPB TO HELP SOLVE THIS ISSUE. 

I DEMAND LVNV FUNDING FOLLOW THE GUILDELINES OF THE FDCPA, FCBA AND FACTA 312, SINCE THEY ARE LISTING THIS ACCOUNT ON MY CREDIT REPORT AND CLAIMING THAT I OWE THEM AS SEND ME 1. COMPLETE PAYMENT HISTORY OF THE ALLEGED AMOUNT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR ( AGREEMENT STATES THAT DEBT ARE SOLD AS IS. 

WITHOUT ALL OF THIS INFOMATION THE DEBT IS CONSIDERED NOT VALIDATED AND I DEMAND THEY DELETE THIS TRADELINE OFF MY CREDIT REPORT. FAILURE TO PRODUCE ALL REQUIRED INFORMATION WILL RESULT IN A LAWSUIT FOR DAMAGES IN ACCORDANCE TO THE FCBA AND FACTA 312, I REQUEST THAT XXXX XXXX XXXX  SEND ME 1.COMPLETE PAYMENT HISTORY OF THE ALLEGED DEBT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3.CHARGE OFF DATE 4.CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THEY ARE THE ORIGINAL CREDITOR SO THEY SHOULD HAVE ACCESS TO THIS INFORMATION I HAVE TRIED TO SETTLE THIS WITH XXXX  XXXX XXXX AND THEY ARE REFUSING TO PROVIDE ME THIS INFORMATION
Product: Credit card or prepaid card

I was attempting to our purchase a ring from XXXX XXXX in XXXX, Tx. I was assisted by a young man named XXXX. When there was a ring I was interested in, I asked about whether their company does financing. He says yes and ask if I would like to see if I qualify and I say yes. Only after he obtained all my information did he disclose that he was signing me up for a credit card. Immediately after I was informed that it was a credit card I instructed the employee to cancel the application. After which, he confirmed that I would not get the credit card and the there would not be a pull on my credit report. However, days later I receive an email notifying me that I have a new credit card opened in my name for this store.
Product: Payday loan, title loan, personal loan, or advance loan

The company has changed their story multiple times and have made it very difficult to communicate with them. They have hung on me multiple times and refused to listen to me. Even the responses on here contradict themselves in one response they said I can send the merchandise back ( which I tried to do and they refused ) and the next response it wasnt mentioned. I emailed the company on Tuesday the way I was told after the second response and I've never heard anything back. They just keep giving me the runaround.
Product: Credit card

XX/XX/2025 Confirmation # XXXX I accidentally made XXXX exact payments to pay off in full my credit card on XXXX. Once I noticed this error, a call to request duplicate payment was placed to be put back into my checking acct. Was told up to 10 business days to receive back into my account and confirmation of my checking account number was made. 
XX/XX/2025 Spoke to XXXX ( TX ) was told $ not able to be put into checking ( could not state why ) and said a check was sent out on XXXX. No check or any other information was received by me. Requested stop payment of check and if $ could not be put back into checking acct, credit to be given back on credit card. Was told immediate stop payment and up to 10 business days to receive credit back to credit card. 
XX/XX/2025 Spoke to XXXX ( AZ ) called to check on status. Was told stop payment does not occur until 10-14 business days after the XX/XX/XXXX date and to wait additional 7-10 business days. Spoke to supervisor XXXX and he said there was nothing he could do. 
XX/XX/2025 Spoke to XXXX ( VA ) was told she communicated with supervisor and it would be escalated and I would have my $ in 2-4 business days. 
XX/XX/2025 Spoke with XXXX supervisor and was told she had to go home at XXXX XXXX, but would look into it and reach out to me before that time frame as to what information she could find out and so far I have not heard anything back.
Product: Bank account or service

I used the drive thru ATM at my bank. This is the TD Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called TD corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ). 
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.
Product: Bank account or service

Identity Fraud committed against me. Someone used my personal information to open up bank account with Capital One 360 online. Credit monitoring service alerted me to this and I called Capital One to inform them of the fraud. They closed the account, but refused to send me letter stating that the account was not mine, that it was opened fraudulently and that I am not responsible/liable. They refused to send me anything and refused to engage with me on this. FTC guidelines say they are supposed to close the loop and assist the consumer.
Product: Checking or savings account

Im applying for the wellfargo settlement regarding consumer complaint. I have a well Fargo account with Well Fargo between XXXX
Product: Credit card or prepaid card

This account is reporting late as reported in my 3 Credit Bureaus. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.
Product: Credit reporting or other personal consumer reports

Spoke with a person at equifax about a fraud case and the person denied me the ability to dispute my case they just told be to contact the credited company that she could not help..
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus have posted old inquiries that have not been deleteed?
Product: Debt collection

As I am in the middle of a REFI on XX/XX/2021 I noticed a collection account being reported by L.J. ROSS & ASSOCIATES claiming the Original Creditor is XXXX XXXX 

On XX/XX/2021 I contacted XXXX XXXX to figure out why they have sent this account to collections and they verified that they do not have an account in my name and therefore they are not reporting it. 

On XX/XX/2021 I contacted the credit reporting bureaus to get the contact information for the collection company that is reporting this fake account to them in my name and I was given the contact number they have which is ( XXXX ) XXXX. However, when I called the number it was out of service. 

Unable to contact them with the information given to me by the credit bureaus I decided to submit this complaint.
Product: Student loan

XXXX - Tried making online payment at Heartland Ecsi. Website informed passkey would be provided on billing statement. The pass key was not on the billing statement. Had to go to a previous email to find the passkey to register the account. Entered the information requested, got to the next screen and was told that the passkey I entered was already registered. Requested information for my user ID since the one that I had just created. I couldnt connect my account to and got a message that the account name was the one that I had just entered not the previous account name that was registered with my passkey. in essence the account name that I got was the name that I had just entered that I couldnt use the passkey to get into my account and make a payment. Then I went online to make a payment. Had trouble finding the XXXX XXXX Heartland ECSI app for the XXXX system. XXXX  for the Heartland ECSI app and download an app several times that was actually for companies or businesses not to make student payments. Went back to XXXX asked for a link for the app and secured the correct link to download the app. Downloaded the link and was told that the app was not available in my country or region tried several times. In addition, these efforts, I had contacted the company by phone trying to make a payment on the phone- unsuccessfully. The message received was that I needed to be transferred to Customer Service which is closed. Was not able to make a payment on the phone was not able to make a payment online and was not able to download the app. Therefore, I had no way of making my payment on time since the mail had not been received yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Innovis by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Innovis is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with XXXX late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Educational Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Educational Account Name : UTAH XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}
Product: Debt collection

I am submitting a complaint because XXXX XXXX XXXX refuses to delete a delete collection off my credit profile. This debt was never mine and is stated that it has already been charged off. This collection agency has been harassing me for almost three years. I have sent letters directly to the third-party company as well as the credit bureau XXXX I sent my first letter on XX/XX/, asking for COMPLETE validation of the debt, and they still haven't given it to me. I also sent a second letter on XX/XX/. 

This collection was also REMOVED from my credit profile almost 2 years ago and now it is back. It was removed due to being affected by covid19 as well as no response from the asst. property manager at the time. I was in communication with her and she told me she would not send me to collections and she still did anyway. ( see attachment below ). Lastly, XXXX and XXXX have removed it but XXXX refuses.
Product: Debt collection

I have received frequent calls from this company threatening to " serve me '' with documents for a debt they have not validated. They are violating FDCPA and FCRA with the threating phone calls. The company also does not identify themselves in the voicemails.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company has closed the account and changed balance owed to XXXX. Credit report still shows a balance of {$410.00}.
Product: Credit card

On XX/XX/2024, I applied for a credit card with XXXX XXXX XXXX Credit Card through Credit Karma, because Credit Karma 's website stated that I had " High Approval Odds '' to receive a credit card. Credit Karma 's website also stated under it's XXXX XXXX, " You'll be approved or XXXX will pay you {$50.00}. '' I applied because XXXX XXXX had a great offer with a low annual fee and a cashback offer. I received a denial letter on XX/XX/2024, from XXXX XXXX. On XX/XX/2024, I contacted Credit Karma Member Support to inquire about the Karma Guarantee of {$50.00} and provided them with verification of my denial letter as well as their advertising statements guaranteeing their {$50.00} XXXX XXXX. I was provided with a case number. Credit Karma indicated that it could take several days for XXXX XXXX to contact them and " if eligible, '' I will receive an e-mail from them. This statement is misleading, because now they are saying, " if eligible, '' that I will receive an e-mail from them. I didn't see this term under their Guarantee statement when applying. I contacted Credit Karma again on XX/XX/2024, to follow up on the {$50.00} guarantee program and received an automatic reply e-mail stating, since they ( Credit Karma ) didn't receive a response from my last e-mail that they closed the case. I was awaiting a response from Credit Karma and they had never replied from my initial e-mail when they stated that they would contact me and now they closed my case. This is totally unacceptable and Credit Karma should be held accountable for their misleading and deceptive practices.
Product: Payday loan, title loan, or personal loan

I went into Check Into Cash of California, INC On XXXX XXXX, XXXX to get a loan I was approved for cause online said I was approved when I did my application and to go to the store I have the email to prove this while at the store they said I had took out a loan in XXXX which I never did and it wen to collections so I called the number they gave me called XXXX XXXX and said its no longer their this is what the office told me but I further investigated and told them I never lived XXXX XXXX I lived in XXXX and I found record the corelogic/fronthit and saw this loan is XXXX XXXX XXXX in which they misrepresentation saying I was approved wasted my time and mislead me to believe I was approves this loan was in XXXX XXXX XXXX # XXXX they should not mislead consumer to get up dated information and prey on vulnerable people needing help this old account was off my credit charged of on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I got my social Security number and certificate stolen. Now Im getting unwanted mail saying Im applying for cars phones, and a bunch of other stuff. I want to file for identity, theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans and they were defaulted because of a car wreck I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in  a death of a family m ember.     Upon getting my life back together, I completed t he rehabilitation     program and pai d 9 consecutive payments on time for 9 mont hs. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are  3 times  as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.