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

The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX
Product: Vehicle loan or lease

JD byrider/XXXX is the financing group, I paid on time every time without issue, they offer insurance on their vehicles which I paid on time every payment. My issue is I got into an accident and they received the money via the insurance for a car that has a median value at XXXX with the highest amt on XXXX at XXXX, they received a payout of see below : On Mon, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX wrote : I am sorry that you feel that way, but the arrangement was for XXXX to make the first payment on XX/XX/2018 for {$190.00} while the claim was in process, since we both knew that there was going to be a deficiency balance after the insurance payment and sometimes insurance claims take a bit longer to get resolved. 

Here is the break down on how the insurance, Interest and tow fees payments were applied. 

Payment Interest Principal Balance {$7800.00} as of XX/XX/2018 interest accrued from XX/XX/2018 to XX/XX/2018 is {$100.00}. 

XX/XX/2018 Ins. check {$4000.00} {$100.00} {$3900.00} {$3900.00} Tow fee XX/XX/2018 2nd Ins check {$620.00} {$66.00} {$550.00} {$3300.00} Please contact XXXX XXXX at XXXX as soon as possible in order to avoid any further action. 

If you have any questions please contact me at XXXX. 

Thank you. 

XXXX XXXX JD Byrider They also put me in repo at XXXX owed and the car was not repod it was totaled out with the insurance pay out, which cause my score to go down by XXXX points. I believe this is unfair as they received money from the insurance for their product. They ruined my credit claiming repo for a vehicle they did not reposses. They have knocked on our neighbors door and continuallyn knocked for 2 days staright on the XX/XX/XXXX and XX/XX/XXXX and threatened to put it on my credit if I didn't give their collector the money on the XX/XX/XXXX 

I have read many complaint reviews online of this tactic to other consumers. 

Please advise as this is not fair to people who have maintained a good pymnt record. 

I could even get my car repaired as they wanted the pymnt for the previous tow before my front alignment and front end can be fixed, I felt this was probably the cause of the accident.
Product: Debt collection

I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX  of a XXXX individual as documented in XXXX  reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold. 

My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind. 

The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108. 

IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
Product: Credit card

My American Express Simply Cash card does not allow automatic payments nor does it provide normal statements online. 

This leads to claims that one has not paid the balance off but you can not determine what the statement balance is. For example, I had {$0.00} payments or credits XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX shows {$270.00} payment and a charge of {$270.00} ; and XXXX to XXXX shows me paying {$1100.00} on XX/XX/XXXX and a charge of {$270.00} on XX/XX/XXXX. I paid that high amount because Amex claimed I had late payments and fees and I was paying the balance up to date so as to avoid fees in the future. Today I was told I owed {$400.00}. Customer service is telling me that I was charged {$70.00} XX/XX/XXXX but it is not on the billing statement I can access. Customer service is also telling me the statement is for {$360.00}. It's totally misleading and impossible to verify! 

I am cancelling my card as soon as this is resolved, but this card is purposefully obfuscating billing and charges to induce late fees.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I deposited a check from a withdrawal i made out my XXXX account, in the amount of XXXX. 
I was told that I would receive a partial deposit in the amount of XXXX on XX/XX/year>. And I that receive the remaining balance of XXXX on XX/XX/year>. This morning I received a email saying my check was processed but the entire amount will be held till XX/XX/year>. I don't understand i never deposited a bad check and if it's processed then why is it beginning held.
Product: Debt collection

Jefferson Capital LLC is impacting my credit, and attempting to collect a debt on behalf of XXXX that has already been paid several years ago.
Product: Checking or savings account

4 days ago, my fianc went to take the tax money we got out of our account. Some how the teller messed up, my fianc went back in to try again and the teller put a hold on our account making it look like we were {$880.00} thousand in debt. I was told it will take 24-48 hours to investigate. Its been 4 days, they will not tell us XXXX whats going on or why they did it. This caused our financial situation to get worse. I hate the fact they can do this to us and other people. This action should be illegal. We just want the money the IRS issued so we can close this account.
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. Judgement XXXX XXXX 3. Inquiries Name of Company Date of Inquiry Type of Business EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX L XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Banking EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my accounts with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. Despite my diligent compliance with all required procedures, submission of necessary documentation, and adherence to your institution 's policies, the accounts remain unopened. The prolonged delay is causing disruption to my financial plans and has created undue stress. 

I have made several attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my confidence in your institution 's ability to provide timely and efficient service. 

Enclosed, please find a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I kindly request you to review this information comprehensively and take immediate action to expedite the opening of my accounts. 

As a prospective customer seeking to establish a relationship with your institution, the current situation falls short of the expected standard of service. While I understand that challenges may arise, the repeated delays and lack of communication are unacceptable.

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my accounts. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2023, Capio Partners added 2 collection accounts to my report for XXXX and XXXX. I disputed these as Ive never signed an agreement or entered into a contract with this company. I disputed this on the credit bureaus website and they came back and deleted the one for XXXX but said they couldnt verify this was incorrect for the XXXX but I submitted all info to them on both. I dont owe these balances and have repeatedly asked them to remove the final XXXX from the report then this morning on XXXX, they have added both of them back after they removed one and kept the other one with no regard for the fact that it was already removed once. This is a violation of FCRA because they havent provided the required contract I would have signed with them on these debts. Please have these removed from all my credit reports as I dont owe these nor have I ever signed an agreement with these people. Im willing to consult an attorney if needed but am hoping since the CFPB is for the people for proper treatment this will be resolved. My score had dropped XXXX points due to debt I dont owe. I havent made a late payment in over 12 years and this is ridiculous at this point. Please HELP!
Product: Credit reporting or other personal consumer reports

Wells Fargo is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. Wells Fargo failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.
Product: Debt collection

Company : XXXX XXXX, XXXX XXXX lender : BASTION Funding Company keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : Transunion : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

TRANSUNION : Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX  : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law charged an up front fee and reoccurring monthly fees to repair my credit. Nothing on my credit was ever repaired nothing negative was removed, my score did not increase, and I paid for a combined total of 2 years @ a rate of {$140.00} a month. This method is in direct violation of law on credit repair services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer credit reports and noticed that I have two accounts with XXXX that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late.

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXXwas the last year of activity on this account. XXXX and Experian have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
Product: Debt collection

On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from Toyota Financial Services for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted Toyota Financial Services about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to Toyota Financial requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account XXXX # XXXX This debt has been XXXX by the XXXX creditor, which means, that the debt has been paid and is considered income. Since a XXXX is considered XXXX, it has to be removed. XXXX can not be reported on credit files