23daVinci/CFPB_Complaints huggingface dataset:
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, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX ( Original Creditor ) XXXX XXXXXXXX XXXX XXXX XXXX Balance {$240.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, I was notified by XXXX XXXX that there was a change in my credit history. I found the Comenity Bank- the processor for XXXX ) listed my account as delinquent. I had never received a statement from Comenity. I called and found that while they said my account was delinquent, and in order to waive the late charges I need to pay the balance in full that day - XX/XX/XXXX, which I did. 

Now in XXXX, XXXX, I received a statement from Comenity indicating that I was delinquent with {$44.00} in late charges and interest due on a balance of {$1.00} that they said that I had not paid in XXXX. In order to reduce the late charges, I was again told that I needed to make a payment of {$20.00} to pay the account in full. I think that it is obvious that I would not have left a balance of {$1.00} on the account. 

I do not believe that I should have had to pay {$20.00} on the account when I was told in XXXX what my balance was to pay in full.
Product: Credit card

On XX/XX/XXXX, I received my new statement and noticed it was {$5.00} higher than it's been since I got the account ( this is a installment account that was transferred to a credit card ). I looked at the statement and new " Account Maintenance Fee '' of {$5.00} was being charged that was accruing interest of {$0.00}. I called and asked them why they were charging this, and why I was never notified this would be happening. They claimed they sent an email on XX/XX/XXXX to my current email letting me know this would be a new change, and that I could " opt-out ''. When I told them I never received it, after reviewing my emails going back to XXXX, and that I wanted to opt-out now, they told me it was not possible. In addition, no notice was included in my statements, which i review monthly, and no messages were in my online inbox on their site. Their notice was never delivered, they did all they could to hide that this was happening, and I'd like this to be rectified in a fair way.
Product: Checking or savings account

As if XX/XX/year> I still have not received my direct deposit from my employer through Capital One due to technical issues on the banks end. I have not been able to get through to customer service as every time I call they drop my call. I have automatic payments due today and Im unable to pay them or access my money. Its completely unacceptable.
Product: Debt collection

I was in two hospitals back @ XX/XX/2013 with a major XXXX injury. @ that time I was insured with XXXX. 
The ACCOUNT # on this letter is XXXX XXXX Both stating the I owe {$5000.00} each {$5000.00}
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX credit card that I manage via XXXX XXXX website : XXXX. Approximately two years ago I updated my contact info ( Home address and E-mail address ). Apparently this info was only updated for my XXXX XXXX store account, and not my credit card account. This was not made clear to me, nothing in XXXX XXXX website suggests that contact info is to be updated via a separate website. In this case, Macy 's credit card website. A site that I never dealt with. All my transactions and payments are made via XXXX XXXX " XXXX '' website. 

On XX/XX/XXXX I made a XXXX gift purchase of {$54.00}. A purchase that I forgot about. Past due and fee collection attempt notices were never sent to my current home address and/or e-mail address. Instead, only e-mail notifications were sent to an e-mail address I no longer use. 
I ended up accruing late fees without my knowledge. Late fees that were more than twice the sum of my initial balance. A total balance of {$120.00} which I paid ( on XX/XX/XXXX ) once I learned of the past due balance. I learned of the balance when the past due notices showed up on my credit report. 

I contacted XXXX XXXX and spoke to at least two escalation managers from their credit division explaining my situation. I explained that in it's currant format, their XXXX website can lead to communication issues such as mine. The managers refused to reimburse the late fees, much less remove the past due notices sent to the three major credit bureaus. 
I feel victimized. I believe this is borderline credit fraud. 
I was lead to believe that my contact information was updated, with both XXXX XXXX online store and their credit card division. 
I have included screenshots of my XXXX profile, which shows credit card management accessibility. Also is a screenshot of the XX/XX/XXXX order that shows my current home address and e-mail address, indicating that XXXX XXXX had my latest contact info at the time. 
I have also included bank statements to prove that I had ample money to pay the balance of the XXXX XXXX XXXX XXXX account. 

Side note, I checked my XXXX XXXX XXXX XXXX account via the direct website and found that Macy 's was still using my old home address and e-mail address. 
I checked this when Macy 's explained their case. However within a few days of reaching out to them, they went ahead and updated my contact info without having asked me. In my mind, they did this in an attempt to cover their tracks. 

Thank you for your time, and I apologize for the length of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.
Product: Mortgage

I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please.
Product: Debt collection

Nelson & Kennard / XXXX  XXXX XXXX told me that if I did not pay them {$2500.00} they would proceed with prosecution against me. I am not an attorney, but I feel that this was a way to try to get me to pay by way of pressuring me like the mafia. When I spoke with Nelson & Kennard who is collecting on behalf of XXXX XXXX XXXX they also recorded my call without me giving them permission. They also did not update the credit bureaus to " Consumer Disputed '' I am a single mother and I want this harassment to stop as I have spent several countless hours trying to correct both companies mistakes in the matter. I have a XXXX XXXX and I am a XXXX XXXX XXXX citizen.
Product: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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 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 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
Product: Credit reporting or other personal consumer reports

Late payments listed on my report seem to be mistakes, as they dont align with my usual habits. Kindly resolve them.
Product: Debt collection

An alleged debt collector sent a text stating : A delivery of documents has been scheduled for XX/XX/2019 during normal business hours ( XXXX-XXXX  ) for XXXX XXXX. To Re-route or reschedule the delivery please call XXXX and provide reference # XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. You are communicating with a debt collector. 

They do not identify the name of the company. The ph # that texted me is XXXX. When I call the toll free number they state they are JPM but won't provide other information. They say their address is XXXX XXXX XXXX XXXX XXXX FL XXXX. Well that address is a high rise office building and they refused to give me suite number.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX  XXXX ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT RE [ PORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are Listed on Credit Report that are Reporting Late payments, Chargeoff, and Write-off. These accounts are closed and Creditors refuse to send 1099..Credit Bureau won't remove inaccurate information because all 3 can't be active at the same time. Also reports from Child Support as well as Bankruptcy XXXX which the Courts Haven't Provided. But are included in my Reports. We are currently seeking a Home and this Process isn't working please help. XXXX XXXX and Experian are not helping
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having problems with this company for awhile now back in XXXX while already paying money to this XXXX XXXX sent them a notice about moving to XXXX XXXX to take care of my family that was going through alot at the time I gave them the letter they said ok we will process it a year later in XXXX I get an eviction on my credit which baffled me from this same apartment mind you I informed them already of my intentions to move to XXXX to take care of my family then I went to the XXXX  and in XXXX of XXXX it was off my credit report due to them getting my information illegally I also included the lawyer I was talking to at the time that represented them that it wasn't suppose to be an eviction on my credit but then try to say they couldn't do anything about it even though I have been paying on time to these apts. I also attached the supporting documentation that show at XXXX of XXXX it was deleted off my credit report
Product: Credit reporting

On XX/XX/2016 we applied for a RV loan of {$35000.00}. We were denied. Our bank informed us that my husbands income could not be verified. We met with the bank and they could n't understand the problem with our application. It sounded like our social security numbers were mixed up and my husband has an additional social security number. Ca n't tell when this happened. My husband submitted a dispute to Experian online and so did I because it effected mine also. We have not been contacted by anyone from Experian and the bank ca n't do anything. We know this is a problem but we can not fix it.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customers financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint filed against TRANSUNION. My first complaint, Complaint Number XXXX, did not lawfully satisfy my issues with this company. This company is misreporting the status and the lien itself. All the liens have been withdrawn by the IRS and I should not have any liens on my credit report. Even XXXX and XXXX REMOVED the liens that were previously reported. I have sent numerous dispute letters to dispute these invalid entries but TRANSUNION refused to comply and remained negligent and none complaint. These are the incorrect and invalid liens that must be removed under the XXXX XXXX XXXX   program and being withdrawn by IRS : 1. FEDERAL LIEN ref # XXXX - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 2. STATE LIEN ref # XXXX -- - Same with this lien, - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 3. FEDERAL LIEN ref # XXXX - AND THIS ONE AS WELL! - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. This credit bureau remained none compliant and negligent and I am involving my legal counsel now if these violations were not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Bank Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Bank Account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Debt collection

" RE : NOTICE OF ACTIVE LITIGATION - FCRA Violations This account is now under ACTIVE LITIGATION for multiple FCRA violations. This serves as legal notice under FCRA 1681i that these accounts are subject to federal court action : FOURSIGHT CAPITAL LLC Under FCRA 1681s-2 ( b ), this matter is proceeding to federal court for : - Statutory damages - Actual damages- Legal fees - Punitive damages where applicable Any continued reporting without full validation will be added to pending litigation. All communication must be in writing. 

Notice : All responses are being documented for federal court filing. '' For XXXX : " RE : NOTICE OF PENDING LITIGATION - FCRA Violations This dispute serves as legal notice under FCRA 1681i. This account is now under active litigation for multiple FCRA violations including : XXXX. Failure to provide legally required debt validation XXXX. Continued reporting of disputed information XXXX. Willful noncompliance with federal consumer protection laws From XXXX, XXXX, XXXX
Product: Debt collection

I decided to check my credit report and noticed that a company by the name of VANCE AND HUFFMAN LLC was listed on my credit report as a collection. I have never heard of this company before, nor have I made any agreements with this company. On XX/XX/2022 I Mailed a Certified Letter out to VANCE AND HUFFMAN LLC disputing this debt which I have no knowledge of. They mailed me a letter which showed payments for another company which I have no knowledge of, along with a signature that was typed out claiming that it was mine. I decided to send another certified letter on XX/XX/2022 because I couldn't understand why they were sending me a document with a bunch of payments listed along with a fake signature. I received a letter back stating that there was nothing they could do. A couple days later I received a letter in the mail telling me that I need to make a payment. This company is reporting false information on my credit report and it is really causing me a tremendous amount of stress because I am getting turned down for things that I should not get turned down for. Please Help!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I initiated an XXXX Credit Bureau dispute on XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX XXXX responded on XX/XX/2023 the dispute process was completed and no changes to the Nelnet account had been updated, it remained the same. Therefore XXXX is continuing to report 10 duplicate Federal Student Loan accounts the balance with Nelnet remained on my report. 
On XX/XX/2023 I filed another dispute with the XXXXXXXX Credit Bureau to dispute the same XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX my dispute is the accounts have incorrect balances, the balances are XXXX. Nelnet was paid in full XX/XX/2023, Nelnet should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received XXXX response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at XXXX, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the XXXX XXXX, the information is easily confirmed via their website and automated system, the XXXX accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is XXXX disputes, I informed the rep, XXXX should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with Nelnet. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but XXXX fail to update it. I have attached a copy of the Nelnet Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in XXXX Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, XX/XX/2022 XXXX Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. Thank you for responding to my letter revealing your source of how you obtained my information. However I am contacting JPMCB about its inquiry that appears on my credit report without my knowledge or consent. I do not know if that would be considered fraud or error. 
In accordance with the Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX are reporting negatively to my consumer reports.
Product: Debt collection

They sent emails to my house telling me that they would sue me and that they would put me in prison if I didn't pay the debts I don't remember when it was but those emails were sent while I was in detention for false accusations
Product: Debt collection

As of the end of XXXX, I was no longer living in that apartment. I called to cancel my XXXX account but I am assuming it was never cancelled. I have not been using service at apartment. I have tried contacting a supervisor at Utility company with no response. This debt is not mine as I was not living there when it occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing XXXX XXXX  to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance