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

This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for XXXX and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Byl needs to recognize that the account should not have been put on my report, because I was never given proper notice to resolve matter.
Product: Debt collection

In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which was provided by your agency. Upon reviewing my credit report, I found that certain items have not been properly researched or removed, as required under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, which mandates that outdated or inaccurate information must be deleted from credit reports. 

The following item ( s ) on my credit report are in question : Creditor Name : XXXX {$2300.00} Creditor Name : XXXX XXXX XXXX {$8500.00} Creditor Name : XXXXXXXX XXXX  {$260.00} The information listed above can not be properly validated, and I request that you investigate this matter under Section 1681i of the FCRA, which mandates that credit bureaus investigate and correct or delete any inaccurate or unverifiable information within 30 days of receiving my dispute.
Product: Credit reporting or other personal consumer reports

The following social security number currently listed and showing on my Early Warning Services Consumer Report is not my social security number : XXXX. The Social Security Number : XXXX is inaccurate and not my social security number.
Product: Credit reporting or other personal consumer reports

I received a bill from you on and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
Product: Checking or savings account

On XX/XX/year> I left the XXXX for a trip to XXXX, XXXX and returned on XX/XX/year>. Upon final return to my long term hotel room on XX/XX/year> that I am utilizing for business purposes on a long term stay I realized that someone had entered my room without authorization and stolen my old wallet, business cellphone, and business debit card under the business name XXXX XXXX XXXX XXXX XXXX. The local police were called and a police report was filed for the items, initial investigation by the hotel shows a key card accessed my room while I was gone but the hotel and police will not release further info to me at this time. I immediately contacted my bank Bank of America on XX/XX/year> and advised them of the matter, ( Claim Number XXXX ) intially I was given a wrong claim number but contacted them again and was given the correct number, someone utilized my debit card at a XXXX for {$2000.00} and XXXX on XX/XX/year> and again on XX/XX/year> for the amount {$2800.00} my claim was denied on XX/XX/year> I was told on XX/XX/year> even the representative reopened the claim saying that it should not have been denied as I faxed in a copy of the police report and a copy of a filed XXXX XXXX report showing that I chartered a private flight showing my departure date on XX/XX/year> and my return on XX/XX/year> additionally I filed a copy of my old Drivers License and new Drivers License from the new State I got a Drivers License in as the old Drivers License which was used to make these purchases had a hole punched in it by the State DMV which indicates to all merchants that this ID was no longer valid this what all State DMV 's do when your issued a new Drivers License to identify that this ID is no longer valid and new one in another State has been issued so the merchant XXXX should have never accepted this ID for these purchases.
Product: Credit card or prepaid card

I had submitted some disputes with Venmo regarding unauthorized use with my Venmo debit card account. There were multiple charges of the same kind relating to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During the investigation, Venmo had approved and closed out claims relating to the charges above but the had denied the other unauthorized charges with the exact same merchant description or deducted some provisional credits that was were given causing me to go into negative and having to use any of my own funds to bring it back my account back to positive standing. 

I want to know why Venmo determined that I was at no fault for previous unauthorized charges but the denies other charges from the exact same merchant description? I had brought this concern to Venmos attention and they AGREED that there was a mistake and told me in an email that the previously denied charges had been approved and I should see those credits back in my account. After that, I had not received any credits nor had I heard any further updates. When I tried to get back in touch with them MANY times to get an update as to what is going on, they had ignored me or just gave me the run-around and couldn't get any clear answers as to what was goin on. When I had raised the issue further, they decided to close my account down and I can no longer do business with them? 

Some examples of the APPROVED charges that were in my favor are as follows ( not all approved are listed. just examples ) : XX/XX/XXXX XXXX  XXXX- {$27.00} XXXX XXXX XXXX XXXX- {$70.00} XX/XX/XXXX XXXX XXXX- {$30.00} The following charges that they provided provisional credit for but then deducted later are : XX/XX/XXXX XXXX XXXX {$50.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$50.00} XXXX date of denialXXXX XXXX.. date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$75.00} ... date of denialXXXX  ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$70.00} ... date of deniaXXXX ... date funds were debited XX/XX/XXXX XX/XX/XXXX XXXX XXXX- {$50.00} ... date of denialXXXX ... date funds were debited XX/XX/XXXX The following charges are ones that had were instantly denied with no fair investigation and no provisional credits provided : XXXX XXXX  XXXX {$80.00} XXXX XXXX XXXX- {$65.00} XXXX XXXX XXXX  {$50.00} XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$60.00}
Product: Credit reporting or other personal consumer reports

DRS XXXX XXXX  XXXX  recovery solution ] has continued to report inaccurate information on my credit report despite multiple attempts to correct it. I initially called and reported the issue, and they assured me they would remove it. I also provided a police report as supporting documentation. However, despite their assurances, the incorrect information remains on my credit report. This ongoing reporting is causing harm to my credit, and I request immediate action to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting or other personal consumer reports

XX/XX/year> filled a complaint. The complaint was deleted on Equifax then returned back on Equifax on XX/XX/year>. This collection agency was XXXX XXXX XXXX. These same accounts was deleted from XXXX. 
Equifax did not do an investigation. 
Another Account was showing paid but Equifax said nothing has changed so it will remain on my credit
Product: Credit reporting or other personal consumer reports

I used the Home Depot Credit card to make a purchase for my business in XXXX of 2023. In XXXX of 2023 my business tried to make a payment to this debt, and the check was sent back. My business Partner and I decided that I would make the payment from my own checking account and be reimbursed by the business. I made this payment in late XXXX after I was informed that the original payment was rejected. For some reason, This payment was applied to the wrong account. I called to fix this on XX/XX/XXXX and was assured that the {$200.00} payment that I made was applied to the write account. On XX/XX/XXXX I got another delinquent notice. I called on XX/XX/XXXX and was told that the money was transferred but not applied to the amount due. While on the phone I was assured that the payment would be applied to the amount due and my next due date would be XX/XX/XXXX. On XX/XX/XXXX I got notified that a delinquent notice was put on my credit report. I called again and Home Depot said that it would take five days to get the payment applied to the amount due. I asked that the delinquent notice be removed from my credit report. After many calls, someone finally said that they had put in a request to have the delinquent notice removed from my credit report but that it would take 14 days. Right now my credit rating is XXXX points lower and I have to wait 14 days for it to change. This is frustration and I want people to know about this practice at Home Depot Credit Services
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov, bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Product: Prepaid card

Had my Social Security benefit 's transferred to Chime card, For Sept. I noticed my XXXX wasn't correct so I called Chime support XXXX XXXX was changed during this my money was taken XXXX on XX/XX/XXXX. I contacted chime very next day, There team member told me a dispute has been filed.dispute number XXXX XXXX there team member hung up on me.Chimes after investigation said I otherized payment to a XXXX. I told them this wasn't true, my money went to a women named XXXX XXXX I know no one such as her nor would I otherize that kind of money I live on XXXX per month. I can Gmail documents if have email. 
I contacted the XXXX XXXX XXXX and they did there best to resolve the matter. But Chime stands by there decision. 
I've contacted the Attorney General .I took screen shots of everything and forwarded it to them. Chime after all this I looked there busyness up have a history of this type.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a inquiry placed on my credit report from XXXXXXXX XXXX on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from my credit report.
Product: Credit reporting

Experian refuses to investigate my dispute for erroneous personal and account information on my credit file. They will not provide me with the method of verification per FCRA Section 611 ( a ) ( 7 ). I just received 3 letters, the first that came back " verified, '' which is not sufficient and the other two letters were letters stating that they will not investigate my claims, even though they did n't show me how they investigated in the first place.
Product: Student loan

Obtained a student loan from XXXX XXXX which we thought to be a reputable loan provider. It is now with Navient and the terms of the loan, while perhaps unchanged, are predatory and unrealistic to any consumer. Loan was initiated in XX/XX/ 2006 with an principal ( loan amount ) balance of {$31000.00}. After making consistent payments for over 12 years ( approx. {$57000.00} PAID ), the principal amount has INCREASED 40 % to {$44000.00}. I owe MORE now than when I started. How can this be legal?? It certainly is not ethical. Looking to ensure others are not damaged by this type of loan.
Product: Debt collection

Listed below are the dates and accounts of these unverified-unauthorized accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX. I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved asking for signature showing proof that I guaranteed payment to this debt collector, I asked for a detailed list showing I made payments on this account, and proof of chain of title you have to collect on this debt.
Product: Checking or savings account

I deposited my XXXX  check with XXXX  signature they closed my account. Called multiple times said check in the mail. Than they said we both have into bank and show ID. Also did that. Checks all cleared and they won't release my money. No fraud was made and proved it but said they are not giving me my money. Not only her checks but my payroll checks also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

equifax data breach my infrormation was affected therefore i am asking you to delete these accounts off of my credit report
Product: Credit reporting or other personal consumer reports

I am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : CAPITAL XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.
Product: Checking or savings account

The sum of {$66000.00} was sent to my Citibank account from wellsfargo on XX/XX/XXXX which was for the purpose of house renovation for my client, I withdrew the sum of {$8000.00} the next day XX/XX/XXXX fast forward to XX/XX/XXXX my citibank account was closed and the bank claimed to have sent the check which I am going to receive in 10-15 business day, the XXXX business day was complete and no check came through, I put a call to the customer service again and demand why they failed but I was told to wait for another 5-7 business day I would get a reissue the former might have been lost in the mail, I waited again and nothing came through on the 7th day .. I have been to the branch here in California several times, I have called and called morning has been done
Product: Payday loan, title loan, personal loan, or advance loan

It's a court case right now I suppose to be in they not believing me they think I am lieing not helping me
Product: Debt collection

This woman from a finance loan company calls my phone 3 to 5 times EACH day. If anyone else answers my cell, she tells them my business, telling people I do n't work, threatening to show up at my home. This is clearly a case of harassment. She has actually showed up at my home. Yes, I do owe a debt, but I 'm 60 days late. I 'm going through bankruptcy, but she still continues to harass me and my family.
Product: Debt collection

I ended my XXXX XXXX account in early 2022. In XX/XX/2022 I received a collect notice from Receivable Performance Management. It stated that I owed XXXX XXXX {$260.00} and was now in collections. I had auto pay and did not owe any money when I ended my service after many years. I ported my number to another carrieXXXX. If money is owed, the phone numbers can not be ported until the balance is paid in full. Also, if I owed money, they would have taken it from my account as they were authorized to do with XXXX that was in effect. I asked XXXX XXXX why they didn't just take the money and they said because they closed my account. I asked why they were billing me for an account that was paid in full and closed? They could not explain it either. I did not receive an email stating that my bill was due, as they always do. Since I was applying for a mortgage, I agreed to pay the collection agency. They agreed to remove it from the credit report. I immediately paid on XX/XX/2022. Now they refuse to remove it and claim that they never remove collection notices from credit reports. Both XXXX XXXX and Receivables Performance Management have lied and deceived me. I think XXXX XXXX punished me with the collections action instead of emailing or taking the money after I refused to stay with them. R.P.M lied and deceived me to collect money that was never due.
Product: Credit reporting or other personal consumer reports

The credit bureaus have listed fraudulent accounts on my report. XXXX XXXX sent has reported 3 fraudulent accounts on my credit report. No letter, no documents, no call. This is harming my credit report. My consumer rights have been violated
Product: Credit reporting or other personal consumer reports

It has been over XXXX days, and I still haven't received a fair resolution to my ongoing dispute regarding the one and only invalid and obsolete account that keeps appearing on my credit report. This marks my second complaint filed with the CFPB, and unfortunately, my plea hasn't been heard. 

I've previously explained that my XXXX account is paid off, a fact confirmed with the original creditor. I personally contacted them, and there have been no delinquent payments for the past 5 years with this account. Any use of my personal information without authorization constitutes fraud and impostor activity, violating my privacy. 

Moreover, they have incorrect information about my date of birth and address. How can they convince me that their information is correct, accurate, and valid when they have committed several errors? I don't understand how inaccuracies are being handled in their reports, adversely affecting my reputation as a consumer. I request that they either update the information or remove this XXXX account from my record immediately!
Product: Checking or savings account

XXXX XXXX 's ATM card was stolen and a fraudulent check was deposited via mobile banking and withdrawn via ATM by the thief. When Santander Bank recognized the check was fraudulent, the funds were removed from XXXX XXXX 's account, resulting in a negative balance. When XXXX XXXX went to the bank to ask for help and ask why her account was negative, Santander insisted she pay the negative balance, even though a thief was using her account for fraudulent activity.