23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account is on my Experian, XXXX, XXXX account which is part of a data breach and there are two accounts on my credit report. I have disputed this account multiple times and they are refusing to delete these accounts and proper investigation. Experian, XXXX, XXXX is under investigation for refusing to delete accounts that are inaccurate and need to be deleted. I have two accounts that are associated with opportun or pathway that don't belong to me as they can't provide a contract with my signature or any documents per FCRA.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Nissan Motor Acceptance Company is charging me {$2800.00}, XXXX cents per mile overage plus a {$390.00} disposition fee and taxes ( which i said i would gladly pay the disposition fee ) for a total of {$3500.00}, on a lease return. On XX/XX/XXXX I paid for the excess miles at XXXX cents per mile through their website. {$1100.00} was withdrawn from my account along with the last lease payment of {$490.00} on a separate transaction. When I received this end of lease liability statement, I contacted NMAC and explained to them I paid this and the funds have been withdrawn from my account. I was told " I wasn't allowed to buy the miles at a discounted rate less than 30 days from my lease expiring ''. If that's the case I should not have been able to make the payment on their website, and they should have kicked back the charge for {$1100.00}. I was told to send in a bank statement to prove the funds were withdrawn from my account which I did on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the supervisor was going to amend the statement and send me a new bill for the disposition fee and taxes. I called back on XX/XX/XXXX after never receiving a new invoice. I was told it was " escalated " and they had to transfer me. After spending to a supervisor from this new department, he asked for a more recent bank statement to show that the {$1100.00} was never refunded. I sent the email the same day with 2 most recent bank statements showing the withdrawal and the following month, the most current statement showing no refund. They have had my money for over 2 months! Today, XX/XX/XXXX, I received a letter from a dept collector for the full amount! They're not even trying to resolve this or tell me where my money went! I told NMAC I was more than happy to pay what I owe but they are trying to double charge me, and they have been stand offish from the beginning. I am in the process of trying to purchase a property and a hit on my credit for something I didn't even owe would be detrimental.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 : {$0.00} ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$33000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX
Product: Checking or savings account

In XXXX, XXXX, BMO Harris closed my checking account with no communication that it would do so. In many unsuccessful attempts, I have tried to get information as to what had happened during this closing of my checking account. 

On XX/XX/XXXX, I had a phone call with a XXXX XXXX of BMO Harris which she confirmed in a XX/XX/XXXX letter. The letter has no return address or email address. Only a phone number for leaving voice mails. In the XXXX XXXX phone call, I had asked XXXX XXXX what had happened to the missing BMO Harris check which I was advised was mailed to me in early XX/XX/XXXX upon closure of my checking account. XXXX XXXX in the XX/XX/XXXX phone call said she would get back to me with the status or what had happened to that missing check. 

Today is XX/XX/XXXX and I have not been advised by anyone at BMO Harris as to what had happened to that missing check. 

Previous attempts to reach XXXX XXXX at BMO Harris via phone were not successful. In a previous voice mail left, I gave my email address and no emails have been received. In my opinion, BMO Harris communicates with the public only via responding to CFPB complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : Transunion Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Transunion Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached
Product: Vehicle loan or lease

I purchased a XXXX XXXXXXXX XXXX with XXXX XXXX from XXXX and was told I was approved for a loan through credit acceptance. After a month of having the vehicle I was told the finance company has rejected the loan after approving it. The vehicle was registered and listed Credit acceptance as the lien holder and now they refuse to release the lean so the new company I was approved with can take over the loan. They didnt issue the loan and now refuse to release the lien
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and someone opened a card in my name! I disputed it with Experian. Very upset! It's called XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has now been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I need this problem fixed ASAP, I WILL NOT wait another 30-45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX  XXXX XXXX XXXX on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 Transunion is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX Transunion inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 120
Product: Credit reporting or other personal consumer reports

This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account appearing on my credit report under XXXXXXXX XXXX with account number XXXX ; Synchrony Bank with account number XXXX ; Synchrony Bank with account number XXXX ; After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : XXXX. Reporting of a XXXX XXXX on a XXXX Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute. 

XXXX. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision. 

Requested Action I request that the inaccurate charge-off reporting be immediately investigated and corrected. Specifically, I request that the following actions be taken : XXXX. The removal of any erroneous credit balance from the charge-off account. 
XXXX. The correction of the account status to accurately reflect a XXXX balance, if applicable. 
XXXX. A thorough investigation into the accuracy of all reported details associated with this account. 

Additionally, I am requesting that any unverifiable or inaccurate information be deleted from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

Please be advised that I will be maintaining a record of this dispute for future reference and potential legal action if compliance is not met. I expect to receive a response within the XXXX time frame mandated by law. 

Thank you for your immediate attention to this matter. Please send written confirmation of the results of your investigation and any updates made to my credit report.
Product: Student loan

I have been with FedLoan Servicing in the PSLF program for five years, and have worked in public service for 15 years. In XX/XX/XXXX I consolidated my federal loans. Additionally, I made a FOIA request for all my loan payments because I didn't think my payment were being counted correctly by FedLoan. My payment history showed that I made payments while my loans were in an in-school deferment/forbearance status and in administrative forbearance status. In order to get credit for these payments I submitted a deferment/forbearance waiver request in XXXX XXXX. I spoke with a representative from Fedloan today who told me my waiver was processed, but the waiver is only good for existing loans which now are my consolidated loans and not any of the loans I made payments to while my loans were in deferment/forbearance status. There is no information about this anywhere on the Fedloan site, or on the waiver request form, or with the consolidation request. The PSLF waiver program was a godsend for those of us who have committed ourselves to public service with more student loan debt than when we graduated thanks to all the interest on federal loans and have been paying for years into the wrong payment plan. This deferment/forbearance waiver is one more hurdle to jump if you made payments while in deferment/forbearance or unknowingly were in administrative forbearance. It is very deceptive that so little information is available and that all the potential pitfalls of consolidation are not laid out for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX  bankruptcy discharged XXXX on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/2019 I received a collection notice from ERC. The notice states that I owe XXXX for services from XXXX XXXX ( XXXX ). I didn't understand how this was possible because we have automated bill pay and have for years. We never received a late statement or anything from XXXX and we still to this day have services from XXXX. I called XXXX and a representative and a supervisor both looked at my account and said I didn't have any outstanding balance at all. They even looked back 5 plus years. I have excellent credit and I will not have this reflect negatively on my credit rating. If it should I will take legal steps to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car
Product: Mortgage

on XX/XX/2020 I placed a call into Wellsfargo to recast my mortgage. I was told that I cant do it. I further asked why and they said because I modified my loan 5 years ago with them. I demanded to put {$53000.00} onto the principle of my load and they said no. I then was told someone will call me in 24 hours-no one did so I called them. They said it will take until XXXX to look at it. I never signed an agreement when I had my loan midification that I would not seek recasting. This bank has been held in contempt of congress with millions of dollars in fines. The previous CEO was banned from banking industry and the current CEO has been brought before congress. 
I am experiencing illegal predatory lending.
Product: Credit reporting or other personal consumer reports

I have four hard inquiries from XX/XX/year> on my credit report from Experian that I do not recognize nor did I authorize 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, credit repair services, or other personal consumer reports

Lexington law firm credit repair has been lying to me the last few months, They wrote me a email stating 14 Items was removed off my credit report. when I went to check it out. Not one account was removed. I contact Lexington Law firm 14 times alerting them of the issue. that they been giving false information about accounts that was removed from my credit report. I had to purchase 6 different credit reports just to prove to them it was never removed. Several customer services reps was unable to help me and one stated for me just to deal with it! Now for a 2nd time they send a email saying my XXXX  report has 8 removals and that's not True Nothing was ever removed. it looks like they cant help me and started to lie and put removed when nothing was removed. NOT one thing was removed and they lied to me Multiple times I'm extremely upset and wasted money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

This morning I received an email from Capital One to let me know that they reviewed my account and lowered my credit from {$5400.00} to {$1500.00}. At this time I'm carrying a {$0.00} balance trying to keep my debt low because we are in the middle of a pandemic. We have no idea what will happened in the future and I need my credit card for emergency purposes. I'm highly upset right now with Capital One. If you review my account, I've had my cards for over XXXX plus years. I have never been late, EVER!!! Is that how this company takes care of long term/ good customers? Not to mention because Capital One dropped my credit limit ... my credit score will also drop.
Product: Debt collection

On and above date, ( XX/XX/2024. 
I received a letter from Resurgent Capital Services on behalf of LVNV Funding LLC. 
The original creditor : XXXX XXXX XXXX XXXX XXXX. In the account summary report, starts, the original date with original creditor was : XXXXIn this matter, Virginia 's statute of limitations, has run out.
Product: Credit reporting

I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name on my credit report. Despite prior disputes, this incorrect name remain listed : These name and address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. 

Account XXXX XXXX Number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( XXXX XXXX XXXX XXXX XXXX  ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last XXXX months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided XXXX  days of the completion of your reinvestigation. I also read that under the federal law, you have XXXX  days to complete your investigation. 

It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete XXXX  days of receipt of this letter, or you must remove the incorrect information. 

Please send an update copy of my credit report to the above address. 

Thank you for your time and help with his matter. 

Sincerely XXXX XXXX XXXX