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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

I did not authorize my bb & t or suntrust/truist to temporarily credit my checking account prior to depositing my stimulus checks. Both times had they processed my paycheck deposits correctly and not 3 days after the fact there would have been no negative balance. And even before that the fact that it takes 4 days for my account to reflect my paycheck is absolutely insane. ( My paycheck is from a bbt business account which makes even less sense why it delays ) And trying to see someone at the bank this entire time has proven even more difficult when they change up hours constantly and only has drive through and a line where you wait sometimes an hour just to see a teller. I don't have time to call and or wait around. I understand overdrafts happen and every paycheck I pay that balance. The first time they did this I paid back the entire negative when they took back the first credit I didn't agree to and now again for the 2nd time my account is XXXX and had no idea.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting actXX/XX/XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/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: Debt collection

DELTA MANAGEMENT GROUP and XXXX XXXX XXXX This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.
Product: Debt collection

Penn credit contacted me today for second time asking for XXXX XXXX. I asked them this time what kind of debt it is and who is it owed to. 


They kept saying they can not BY LAW give me the information. I told them and their supervisor that I am not asking for any account detail to see if any sort of truth to their harassment. They did not. 

They also put me on silent, dropped the call, mouth off among other things.
Product: Credit reporting or other personal consumer reports

I was denied credit and received a letter dated XX/XX/XXXX. The reason for denial was due to the number of inquiries on my credit report. Specifically my LEXIS-NEXIS report. I got a copy of my report and it shows several companies listing credit inquiries times for the same day. A majority of these inquiries were supposed to be soft pulls. So now Im being denied credit because these companies are not reporting to the credit bureau correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Complaint ID # XXXX ConServe responded to my initial complaint .stating their records do not reflect any previous telephone communications directly between you and any of its representatives. And a cease and desist has been noted by Conserve and I will receive no further communication from them. With that being said. 
I am fallowing up to make sure all negative reporting are removed from the credit report in question. 
According to FDCPA unfair and DECEPTIVE PRACTICES ARE A VIOLATION OF THE CONSUMER RIGHTS AND MUST BE REMOVED. AND DAMAGES ASSESSED ACCORDING TO CONGRESS. 
Also, Parties may be considered volunteers if, in making a payment, they have no interest of their own or protect, they act without any obligation, legal or moral and they act without being requested to do so by the person liable on the alleged original obligationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive reached out multiple times to get the information updated and deleted because it was not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I sent a letter to XXXX asking them to investigate MOHELA. I asked XXXX  to get MOHELA to send the original contract of the loan with my signiture and XXXX  failed to provide me with that information. Instead XXXX  sent me dispute results saying item is updated with out any proof that an investigation was done.
Product: Credit card or prepaid card

I had a XXXX card with XXXX. They switched from XXXX  XXXX XXXX to Comenity in XXXX, 2022. Despite multiple calls, I never received a card. I did, however, get a bill, which I paid off in full. I cancelled the card online but was told that to get a confirmation, I had to provide a fax number... which of course, I do not have! 

I can't even tell you the account number of the Comenity card since the bill only provided the last four numbers... and as I said, I never got a card or any other official communication other than the bill from Comenity. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters off and receipt confirmation on XX/XX/2022 From Experian. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Experian did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!!

Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 an account without my written instructions AND I did not give anyone written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX my husband and I refinanced our mortgage to pay off our existing debt. Checks were made by the escrow company and sent out to said bills. One that was sent out was to a Citibank XXXX preferred card for XXXX. It was cashed on XX/XX/2022 but was never credited to my account. The escrow company sent me the cashed and cleared check and say they have no funds or records of the return payment. I have opened 4 investigations with citi and have gotten no where. I get connected to several people and all they say is your check was returned and close the investigation. I have faxed the cleared check over 3 times now and they keep saying they did not receive it. So now no one has my XXXX dollars. Where did the money go? In the meantime I am paying double ( extra bill on mortgage and the card ) and acquiring interest on a balance that should have been paid off XX/XX/XXXX. I dont know what else to do or how to get my money.
Product: Credit reporting or other personal consumer reports

I got an auto loan for a XXXX XXXX XXXX from Capital One Auto in XX/XX/XXXX. O contacted Capital One in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to Capital One on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for Capital One a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX. I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then Capital One has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!
Product: Debt collection

A predatory lender, XXXX, showed up on my credit report as being in collections. They apparently sold the debt to XXXX who has my phone number because they have tried calling me and have sent one text offering to settle for half of the amount XXXX and XXXX claims is owed. 

I've never taken out a personal loan in my life, I've never applied for a loan with XXXX, I never received any paper bill or statement, no email, or phone call for this loan, and never received any money from XXXX. This is fraudulent and has functionally turned into extortion with a debt collector reporting me to credit bureaus and demanding repayment. 

The credit bureaus, and others, would like supporting documentation which is impossible for me to provide since I never applied for this loan, never received any money, and never had this listed on my credit before XXXX reported this as being in default. So no documentation exists. Someone used my identity to get money and now I'm stuck with trying to clear it.
Product: Debt collection

Attempted to dispute claim debt belongs to me several times. Price of debt decreased, increased, and decreased again. The information on the amount owed seems compromised
Product: Credit reporting or other personal consumer reports

I submitted a complaint through CFPB on XX/XX/year>. I received a response from XXXX XXXX XXXX XXXXXXXX but I disagree with their final decision. As stated by CFPB through the website, " While there isn't a single law explicitly protecting a consumer in this exact situation, the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ) could potentially provide some legal recourse if a mortgage company reports missed payments to credit bureaus even after you've applied for and been approved for a mortgage assistance program and notified them of your XXXX XXXX causing the missed payments. '' After the XXXX  I suffered on my work site, I took all the necessary steps with XXXX XXXX XXXX XXXXXXXX to ensure my credit score would not be impacted. I applied for the mortgage assistance program, and I was approved. It was not confirmed that my credit score would be affected. It is said that XXXX XXXX XXXX XXXX should aid me in this situation because it is not my fault pertaining to CFPB policy. Additionally, I have paid off the balance entirely and submitted my most recent loan payment. I do not believe my credit report should be impacted. I would like to know if I could be provided legal recourse from CFPB to help me with resolving the issue. I have been a borrower for over seven years and have never missed a payment.
Product: Debt collection

The first appeal was successfully and able to changed it from negative to positive. But by two days later, the glitch system has error appeared from positive one to negative. I had to re-submit twice ( re-appeal ) times to request to fix the glitch and bug itself. But, when I get return their answer, the second appeal is not very clear. Can not tell it is declined or accepted. 

The loan already paid and its XXXX, and directly to the collection agency that prevents me to getting the loans what I need sooner. 

I get the declines by some companies in due the glitch system bug error in due collection on my letters.
Product: Credit card

I opened a XXXX XXXX Credit card in XXXX. XXXX XXXX  I made my payment prior to the due date. They then tried taking out the funds on an auto billing. The funds were not there because I had already paid them. They then charged me a return fee. I kept the card into XXXX even tho I had so many issues. In XXXX of XXXX I paid off the card. The amount showed that I owed {$210.00}. That is what I paid. After paying it off Camenity Bank closed out the account. I called them and asked why and never got an answer but it was paid off so a reasonable person could not be concerned. Fast forward to XXXX and it is showing on my credit report that I have an outstanding balance of {$230.00} and that is was XXXX XXXX I did not understand this so I contacted XXXX XXXX comenity bank. They stated that they had no information and that the account was sold to XXXX XXXX. I contacted XXXX and was able to get the statements. Its shows that I paid off the XXXX  ( see statement ). They charged me {$2.00} interest. Even tho it was paid off the XXXX XXXX. They doubled that fee every song XXXX  before selling it to XXXX. I had paperless billing so I never received a bill. The account was closed by the lender so I didnt even have access to an online portal. It just stated account closed. So essentially VS/ comenity bank not only should not have given ne an interest charge because it had a {$0.00} balance they grew that {$2.00} to {$230.00} to sell it. Even though I brought this to XXXX XXXX attention and they can see what comenity bank had done the XXXX refused to let it go. Now VS/ comenity bank is showing a negative mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when I took out something in payments by affirm for XXXX and I was paying everything well my payments were done automatically and everything was fine until one day I started to look at how much I owed and that's when I realized that the payments had not been made in 60 days when I always made my firm payments I was never late I was confident that I had everything
Product: Debt collection

Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. 

Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. 

They have continued to periodically call, for a decade, even though I have asked them to stop calling. 

This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed in a letter to all three Credit Bureaus to dispute inaccurate and fraudulent information that was being reported on my credit reports. I have not gotten a response back nor have they resolved the the problem. I followed up with a 30 day failure to comply letter on XX/XX/XXXX. All three Credit Bureaus still have not responded nor deleted the inaccurate information. I have also disputed wrong addresses that are on my Credit Files which do not belong to me. XXXX, TransUnion and XXXX  are all violating my rights of responding to my letters in 30 days. I am suffering a lot due to these inaccurate and fraudulent accounts. Please delete these negative and inaccurate accounts and wrong addresses.
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CAP1/SAKS XXXX
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX**** ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts on my credit report.
Product: Credit reporting

Equifax is reporting me as deceased. I have the same name as my deceased father ( with a Jr ), and I live in his house, but I am not deceased. I have a different social security number than my father, so I do n't understand why it was not used to determine that the credit request was for me, not my father.
Product: Credit card or prepaid card

Today XXXX I called my credit card company, First National Bank of Omaha and asked them to open my account so I could utilize my available credit. 
They told me my account was closed back in XXXX of XXXX and could not be reopened and I would have to reapply. This will not work because with my current credit score I would qualify for a new card and this was not what was promised when I entered the payment program. 
I informed them that I had problems paying my bill do to XXXX and that I was put on a payment program to catch up. I was put on a payment program and was told that when I got caught up my account would be reopened. 
I called every month prior to my due date during this problem period as a show of good faith and to pay what I could. 
Now I am fully caught up and have avaialble credit I should be able to utilize. 
Before XXXX I had a perfect payment history.
Product: Credit card or prepaid card

On XX/XX/22 someone applied for an XXXX XXXX  card and balance transfers through Bank of America with my information. I dont bank with Bank of America and did not apply for this credit card. I was notified by XXXX of a new hard I quiet so I logged in and discovered this. I have reported it to XXXX and to Bank of America and want to be able to have the hard inquiry removed from my credit report as I am currently working hard to repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint the XXXX time following up my request for assistance to from XXXX, XXXX and TransUnion Credit Bureaus for the removal of inquiries from my XXXX credit reports. I understand that inquiries on my credit report can impact my XXXX XXXX, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, once more I kindly request your assistance, XXXX Credit Bureaus in promptly investigating and removing these inquiries listed below from my credit report : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX