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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

I am being harassed by a debt collection company as a result of incompetence on the part of the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX finance, insurance, and customer service departments. The agency they have sent to harass me is Balanced Healthcare Receivables LLC. I am constantly receiving phone calls and voicemails from their number XXXX. This is happening despite the fact that this debt was paid by my health insurance 2 years ago! I have the documentation from my insurance company ( MVP/Cigna ) proving exactly this and have stated this to both parties on numerous occasions. I have also made numerous requests for them to stop contacting me because this has reached a level of incompetence and harassment and that I can not tolerate, because I have already tried to clarify with both parties more than once that the debt had already been paid. XXXX years ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : FREEDOM MTG Account # : 11702 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.
Product: Credit reporting or other personal consumer reports

I have come to the understanding that some account that is on my credit report that is not mines and I would like these accounts removed so my credit report can report the correct information ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

TransUnion in reporting XXXX XXXX Account on to my credit that does belong to me at all. I have not applied for account or have an account with XXXX XXXX. I have also never given anyone permission to put on their account.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX XXXXXXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.
Product: Debt collection

Stenger and Stenger bought an old debt from XXXX XXXX and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX law, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX Indiana Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX Indiana courts.
Product: Checking or savings account

There were XXXX unauthorized charges made to my account using my debit card number on XX/XX/23. XXXX was for {$77.00} and was for {$99.00}. These charges were made in XXXX different cities, XXXX minutes apart, neither of which I live in. Both were made at a XXXX. Chase bank even sent me a fraud alert, but now Chase says they are authorized and is taking the money out of my account. I did not make these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates are wrong on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Per Experian 's negligence and their responses to the numerous complaints I submitted regarding inaccurate accounts on my consumer credit report, I demand the immediate removal of these inaccuracies. Your failure to conduct an accurate investigation into this matter is unacceptable. If these accounts are not removed within 5 business days, I will have no choice but to pursue litigation for {$1000.00} per inaccurate account.
Product: Credit card or prepaid card

Good evening, after paying off my balance in XX/XX/2020, I closed an account with Fortiva on XX/XX/2020. Since that time, this company continues to bill me for an account that is closed with a XXXX balance. Not only am I being charged late fees and yearly renewal fees, I am also being charged a {$12.00} maintenance fee every month, tolling {$170.00} a year. This information was not provided to me when I opened this account. I have tried UNSUCCESSFULLY to dispute these charges with this merchant. Not only am I requesting a cease and desist, I am also requesting that this information be given to other consumers so that they are aware of these inaccurate and fraudulent credit card charges before they decide to open an account with this merchant -thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Lexington Law on XX/XX/XXXX to help repair my credit. On XX/XX/XXXX, I was informed by a friend of mine of a lawsuit between the CFPB and Lexington Law ( https : //www.consumerfinance.gov/about-us/newsroom/bureau-files-suit-against-lexington-law-pgx-holdings-and-related-entities/ ) and elected to go with a smaller company who gives you a lot more  individualized attention. 

After being informed of my 5 day right of rescission, I contacted Lexington Law via online chat to cancel my payments ( all I had paid so far was around {$15.00} for a credit report ). They were quite rude at the beginning ( transcript attached ), but after pressing, they said it had been canceled and I was sent a confirmation of cancelation. The email never came through, I pressed them multiple times and they kept saying it was sent but it never arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is because Transunion lied to me and to the CFPB. And now they created yet another problem. 

Transunion LIED and said they solved my problem- they didn't. 

What kind of XXXX is going to send me an email that expires in half hour?!?!? TransUnion sent me an email to reset the pw- which I didn't see until the next day, too late to log in. Even if I had seen the email, I can't get to a computer at work. And I don't have a computer at home, I use the library computer. 

Transunion did NOT solve the problem and I STILL can't log in. 

And now there is a DIFFERENT problem - when I try to access the Transunion web site, I enter my SS # twice, then my last name, and click on 'Continue to Next Step. ' - and the web page won't advance! I don't get an error message ; the page simply refreshed to blank spaces for SS # and name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding XXXX  XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my XXXX  XXXX account ( Account # XXXX ) on my credit report. I believe the reporting of these late payments is inaccurate and that this account should no longer appear on my credit report. 

Details of the Dispute : Account Age and Reporting Limitations : This account was opened on XX/XX/XXXX and is now over XXXX ( 10 ) years old. Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 5 ), negative information, including late payments, should not be reported on a credit report after seven ( 7 ) years from the date of delinquency. Since this account exceeds the allowable reporting period, it must be removed from my credit report immediately.

Inaccurate Reporting of Late Payments : The reported late payments on this account are erroneous and damaging to my credit profile. I am requesting that XXXX XXXX verify the accuracy of these reports. If they are unable to substantiate the late payments with proper documentation, they should be removed as required by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit unions regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions on all of my checking accounts.
Product: Debt collection

This is a separate complaint from my other complaint as this email communication was on a different date and like they just keep blowing up my inbox and for what? They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. They be illegally trying to collect zombie debt and intimidating me. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
Product: Debt collection

A collection agency is trying to collect a debt from me for an address that I never lived at, for XXXX XXXX XXXX, a product I have never had. I own the property surrounding the address but I do not live there nor have I never lived there I simply own the XXXX XXXX XXXX around it. They claim I owe {$610.00} to a company called LVNV funding who has purchased the debt from XXXX. In addition to the debt being charged off it as well past the statue of limitations to collect it. I have responded several times to this company telling them I do not owe the debt it is for someone else and I've never lived at this address and they will not listen. The name of the company is XXXX XXXX XXXX XXXX, Kansas. I have tried several times to dispute this through their website with no success as all it does is brings up a black screen when I try to submit it.
Product: Debt collection

Address oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$390.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 48 Please Note : This notice is an attempt to correct your records
Product: Credit card or prepaid card

On XX/XX/2017, I was at XXXX XXXX and they offered me a good deal on a credit card and had told me I'd be approved, if I applied for their credit card, so I did because they had informed me to do it because its smart. But to my surprise, it was declined. Therefore, it's a complete mistake as I would not have applied for it if they hadn't pressured me into it. I knew for my first credit card that I needed a secured one so i continued to get one after there misguided information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX I wrote a letter to XXXX, XXXX, and TransUnion ( three Credit Bureaus ) information in my file. One of the issues was stating that I was " SERIOUSLY DELINQUENT '' with my car loan ( joint ) payment to XXXX XXXX XXXX XXXX, which is not true. My daughter purchased a XXXX XXXX XXXX on XX/XX/XXXX and I cosigned the loan. Well, on XX/XX/XXXX, the vehicle was totaled by another driver. Though according to XXXX XXXX the car was valued at {$39000.00}, as a result upon inspection XXXX XXXX Insurance paid off the vehicle but at a lower rate based on the cars ' pre-accident value of {$25000.00} ; this amount was sent to XXXX XXXX and accepted for the total loss. The next thing we know a couple months later after receiving payment from XXXX XXXX we were sent a bill from XXXX XXXX stating we needed to pay them {$2100.00}. We could not understand this because they were paid for the loss of the vehicle and if it was not enough money they had the opportunity to go back to XXXX XXXX to request the additional amount. They also had the opportunity to seek the {$2100.00} via GAP Insurance but chose not to do so. 

Though XXXX XXXX was paid for the vehicle in a lump sum due to the accident and received car note payments from my daughter up until the time of the accident they have failed to properly report this information onto the Credit Bureau reports to the three agencies as such. I have been making every effort to resolve this matter with XXXX XXXX but they have failed to properly and accurately report the information to the three Credit Bureaus. 

Secondly, on Monday, XX/XX/XXXX, I sent another to the three Credit Bureaus asking for REMARKS to be removed from my XXXX XXXX XXXX XXXX Credit Card, XXXX XXXX  XXXX Credit Card XXXX and to update my file with XXXX XXXX XXXX XXXX with the enclosed letter stating the vehicle was a TOTAL LOSS and paid at the amount of {$25000.00}. 

I received copies of my Credit Reports at the beginning of XX/XX/XXXX from the three Credit Bureaus. According to the reports XXXX and XXXX REMOVED THE REMARKS as requested but TransUnion has REFUSED TO DO SO. 

This information is affecting my CREDIT SCORE and possibly of qualifying for a Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account ( XXXX XXXX XXXX Account Number XXXX ) on XXXX XXXX for continuing to report inaccurate information on my credit report. They did not due a proper investigation or provided me with the paperwork that they suppose to have that is required by the FCRA. They wrote me back the following month and only remove one month off my credit report that was showing charge- off. After that one month, they are continuing to report a charge-off every month. They are falsely manipulating the statue of limitations on this account after I disputed this account with factual information that their company provides. I will upload my original dispute letter. I have also contacted the creditor and they have failed to respond numerous times.
Product: Vehicle loan or lease

I went through auto approve to buy out my current lease which they got approved through XXXX XXXX XXXX, the money was sent to XXXX XXXX and the account was paid. I was later contacted by auto approve that Colorado state law doesnt allow them to pay off a lease directly and needs to be done through the dealership which they claimed they did not know. They then told me they were canceling the financing after it had been completed for 2 months. I had already made a payment of {$570.00} dollars to XXXX before they cancelled the financing because I did not know they were going to cancel the financing until I had already paid. I have auto approve how to get my payment back as well as XXXX and have not got any answer back after several attempts. I should not have to pay for a loan that I received nothing from and was cancelled by them and not me. All I want is my money back and be done with them.
Product: Mortgage

Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.