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

XXXX and transunion are reporting a false mariner finance account on my credit report. XXXX is showing something totally different. on XXXX and transunion, this is reporting : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 But on XXXX, the account is reporting as 30 days past due with a totally different balance, on the same exact account. I have submitted ftc id theft reports to XXXX and transunion in the past to have this account removed from my credit report and they still leave the account on there. i have reported transunion and XXXX to the north carolina department of justice as well because of this and now i am prepared to sue them both in court if this is not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX. I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The following company was able to apply incorrect information on my credit report without this information being validated for accuracy, Ive been contacted via mail and calls even after I've told them more than 9 times that this information is incorrect. 
15 U.S. Code 1692c XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX, IN - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX Unauthorized Credit Inquiries to Be Removed : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax XXXXata breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Debt collection

I received documents that I was being sued in XXXX XXXX and I already sent a document to the judge but also wanted to communicate with their lawyer but there is no information. I try to find them on XXXX or a directory and I can't find the person in charge of this case. They do not appear in any research I have looked into and I can not reach them so how am I suppose to resolve this or find out how I can give a very small monthly payment until this gets resolved. All they decided to do was send court documents and that is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous time in reference to the XXXX  XXXX XXXX Account this showing on my credit report. this account does not belong to me. I DO NOT or have I had A XXXX  XXXX XXXX ACCOUNT. 

XXXX  XXXX XXXX XXXX late payment {$650.00} Closed Account info Account name XXXX  XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Closed Status Not more than two payments past due Status updated XX/XX/XXXX Balance {$650.00} Balance updated XX/XX/XXXX Credit limit - Monthly payment - Past due amount {$47.00} Highest balance - Terms-
Product: Debt collection

this account has been changed from one collector to another. i have asked for proof of why they say i owe this. after asking them, they continue to send old info. or they just dont want me to know. please stop this. i dont know what company it is.
Product: Vehicle loan or lease

I cant get wells fargo to follow the aggrement which they signed at the end of XXXX. Somebody named XXXX XXXX from office of the president keeps sending the same letter over an over which is not even correct. I NEVER CALLED WELLS FARGO AND ASKED FOIR MY TRUCK TO BE REPOSSESED, EVER> I have asked for Outside mitigation as I am not even close to being happy with your canned reply 's and the lies contained in them. The Last payment I made on the truck was XX/XX/XXXX Why did that happen after making a XXXX and XXXX dollar payments in 12 days XX/XX/XXXX and XX/XX/XXXX. Because the next time I got a monthly statement My truck payment went from XXXX to XXXX because you all put XXXX on it after I moved from XXXX XXXX mn to XXXX Mn on XX/XX/XXXX. I had the very same insurance and agent as the day I bought it. So many things you all are trying to tell me are false. You have told me you sold my loan in XX/XX/XXXX, I called XX/XX/XXXX and said repo my truck, That my truck was repossessed XX/XX/XXXX. NOT ONE OF THESE IS TRUE NOT ONE. I HAVE ASKED HOW MANY TIMES FOR OUTSIDE MITIGATION AT LEAST 10 YOU NEVER ADDRESS ANYTHING THAT I HAVE ASKED YOU ALL ARE SCAM ARTISTS AND THIEFS. YOU ALL LIE LIKE NO BANK I HAVE EVER SEEN AND I AM SICK OF IT > EITHER PROVIDE MITIGATION AT THE OUTSIDE LEVEL OR PROVIDE ME A FULL REFUND OR GIVE ME THE ADDRESS TO HAVE A SUMMONS SERVED UPON WELLS FARGO. DONT SEND ME A NOTHER ONE OF XXXX XXXX CANNED LIE LETTERS PERIOD>
Product: Bank account or service

Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Bank of America ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX.
Product: Credit reporting or other personal consumer reports

Someone stole my identity in the past. Also my someone keeps changing my address or other personal information and stealing or checking continuously on my credit reports and I can not seem to keep them out or prevent changes occuring ect.
Product: Student loan

It says the first loan was opened in XX/XX/2014 and i started college in XX/XX/2014. I did not personally sign up for my loans to be paid off right now and anything against that was not acknowledged by me. My credit report also has two more loans for the three years that I attended my first school. I now am transferring to another university and the school I am transferring to has my application. I have not  graduated college yet and am not sure as to why I have these delinquencies on my account. It is just not right, I have no way of paying for this at XXXX years of age while still in college.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, I had some credit card debt and was looking for ways to pay off this debt. I had never missed a payment on my credit cards but an inconvenience at most. I took out a loan and and applied for {$25000.00} and it keep coming back with like {$45000.00} so it went on to show me what the payments would be which would be about {$1200.00} every month but they were taking {$5000.00} off the top for some kind of loan charge. It was going to take XXXX  years to pay this loan. As someone that was hoping to retire, I thought getting these credit cards paid off and in XXXX years I would be debt free. I went on to pay off credit cards only to find out that their approval processes wasn't allowing me enough to live on and eventually I had to take out cash advances on credit cards just to pay this loan. Now I'm right back where I started and my credit score has tanked! They now have my payments at over {$1600.00} and just recently put me into collections as I can not pay for this loan. However, I did send them an e-mail and explained my situation and asked for a modification and I received a generic reply back stating they were unable to help. This loan has taken a toll on my health. I am sorry that I didn't research this better but everything was done online and they don't call you and ask if you understand everything. They trap you. I have paid approximately {$23000.00} back on this loan and it is only 11 % paid back according to their records.
Product: Debt collection

Wakefield & Associates has been retained by XXXX, XXXX XXXX XXXX for a collection of {$810.00} for date of service of XXXX. During this time I was insured with XXXX. I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX./XXXX XXXX XXXX to XXXX   on the referenced date of service. It appears that XXXX, XXXX XXXX XXXX never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX XXXX XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit. I have attached a copy of the collection notice from Wakefield & Associates, along with a copy of my XXXX insurance card.
Product: Credit card or prepaid card

I spoke to Capital One right back in XX/XX/XXXX of this year. I was very disturbed when I found out that they had reported me 30 days late in XX/XX/2018 and then 60 days late in XX/XX/2018. So when I called them, I was told that there had been a balance of {$18.00} on my credit card. I had never been notified of this small outstanding balance and didnt even get any credit card statements. I spendt well over 1 hour, talking to various CSRs and esclating to management, but to no avail. I tried reasoning with them, as why would I destroy my credit for {$18.00}? I have tried dispute through the credit reporting agencies, but nothing happens there also. This is the only thing that is causing a huge hurdle in trying to get approved for a home loan. 

Please help! I dont know what else to do.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$54.00}
Product: Credit card or prepaid card

On XX/XX/20 My Amazon.com Store card was closed by the the guarantor Synchrony Bank. I called them to ask why and they said because I paid off the card too many times that month. I explained to them that they had capped my credit limit at XXXX and during holiday season that doesn't cover it, so i pay off from my bank as I approach the limit. They said too bad. Even though this should make me a better merchant. 
I had {$840.00} worth of Amazon credits from purchases I made and was rewarded these credit/points for. They automatically cancel all credits when they close the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted TransUnion on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX but the call never connected me to an agent. As a consumer I feel extremely violated.
Product: Bank account or service

On XXXX I closed my Bank of America merchant account for my XXXX, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX to open XXXX with a better % at XXXX, and XXXX XXXX their merchant processor in XXXX. I openned a commerical account with XXXX and that was my account. At somepoint, BOA allowed another merchant account to be established at my location, with fake paperwork assuming another enterprise, XXXX XXXX and allowed my old merchant account to be active without my knowledge. I closed my XXXX account on XXXX XXXX, 2015 to re-open another BOA account, ending in XXXX, XXXX, # XXXX at my home with their small business banker, XXXX XXXX. They allowed another merchant account to be opened and did not tell me my old checking account and my old merchant account were active, My XXXX manager was shedding all paperwork that arrived at the bar. My bookkeeper was also aware of this account still being open. I paid XXXX XXXX, my bookkeeping firm over {$60000.00} over the years to manage my day-to-day transactional accounting. This aggregeous act has cost me my business of 14 years, more than {$300000.00} in missed earnings from the sale of XXXX products, my business credit ( XXXX XXXX XXXX was XXXX prior and is now a XXXX, negative based on this fraudulent company that shares the same name, openned in XXXX XXXX area with an XXXX of # XXXX, and my business name : XXXX XXXX XXXX XXXX ( no comma ) I have trusted tax preparation professionals, paid them to hide, deceive and wreck a very good businesss that has paid XXXX 's of XXXX 's in taxes over the years on falsified returns. I need advise on what to do next. I am hiring at my expense an auditing firm to help re-calculate all of my past six years of business. I had XXXX active customers and XXXX falsified numbers and a comma ruined everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses nor did I authorize these companies to run my credit. Please remove them.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated XXXX XXXX Balance : {$2000.00}.
Product: Checking or savings account

Submitting a complaint due to recent Class Action Lawsuit against Navy Federal Credit Union. I believe overdraft fees was taken illegally or incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 150 days and this information is still reporting on my account. XXXX  did a great job at removing the inaccurate reporting but XXXX and TransUnion are completely ignoring me. This is causing me stress and hurting my credit profile making it hard for me to get approval for credit. They are violating my rights and they don't even care about fixing it. Not only has this stuff taken a long time to fix but they aren't even communicating with me. I have had to contact these companies directly bc they keep reporting false information on my account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.
Product: Payday loan, title loan, or personal loan

I paid off an installment loan early which was the loan I used to buy my XXXX XXXX. I paid it off on XX/XX/20. The last statement I got was XX/XX/20. I asked four times for them to send me a statement for the last month and they will not do it. I do not have the amounts for how much went to principal and interest. Also they charged me a prepayment fee ( which they later reversed ). The loan had a prepayment penalty if I refinanced with another bank but I did not refinance. I do not have a statement after XX/XX/20 and the payoff was XX/XX/20. I believe I should have a statement for any month that had a transaction.
Product: Debt collection

XXXX XXXX Act Number # XXXX Credit Recovery Asso Acct Number : XXXX RFC 119 Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.
Product: Debt collection

I went to a spa in XXXX of XXXX to inquire about an ad they ran for laser treatment for {$75.00}. They performed the treatment and then sent in a nurse to " evaluate '' what procedures I would require for full results. Then the manager of the spa came into the office to explain the price, when I said that was more than I could afford, he took my phone which I had been holding in my hands, and said he could do a quick application to see if I would be approved for a loan for treatment. My phone automatically fills in blanks for me so the application was filled out completely by the manager. When an approval came back for {$6000.00} he began to make appointments for me from the suggestions of the nurse. I did go to a couple of appointments and received a few of the treatments, however, I decided that I could no longer afford to keep doing this and changed my mind. I sent a text to the spa stating that I would not be returning. When my card continued to be changed, I reached out again asking them to stop charging my account, I called Cherry Technology they directed me to work it out with the spa. I told them I had, but continued to contact the spa manager asking how to resolve this. His response was, " We do not give refunds ''. I clearly explained to him that I did not want a refund as I was never in possession of the money. I simply do not wish to use the amount that was approved. This went on for months in the year XXXX and into XXXX. I called Cherry Technologies back they sent a link for me to complete regarding my dispute. An email was received that evening XX/XX/XXXX, stating they agreed with the spa and that I was responsible for paying the loan amount. I then sent a Truth of Affidavit requesting validation of the debt and offered 30 days for a response. Cherry Technologies calls and texts me relentlessly, all hours of the day XXXX days a week. While I am at work, while I am sleeping, it does not matter that I have asked for them to stop and that I have disputed this dept with them. Since I have not received a response I mailed a Cease and Desist on XX/XX/XXXX. I am ready to go to court to ask a judge to get them to go after the actual responsible party, which is the spa who was paid the money by using my name and credit.