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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXXXXXX ) Fraudulent inquiries XXXX XXXXXXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/2022 ), XXXX Bank date of inquiry ( XX/XX/2022 )
Product: Credit card or prepaid card

I have reached out to XXXX and Discover several times for these fraudulent charges on my account Neither company is doing what is right. I am beyond tired of requesting them to look into it Discover keeps re billing me for something I did not Authorize
Product: Mortgage

It seems my lender ( Bank of America ) has asked me to start the repayment period for my Home Equity Line of Credit. It was my understanding that this repayment period was to start at the end of 2017. Upon asking for a copy of the loan agreement the lender has mailed me six copies of this agreement but non are legible in the area that identifies the repayment period. I have sent two letters in the past two months and no written reply from the lender. An associate of the lender has called me four times but would not discuss this matter if I wished to record the conversation as they have done in the past on a number of calls. Not sure what my next action should be at this time.
Product: Debt collection

I have worked with the XXXX XXXX XXXX  Call Center since lateXX/XX/2017 to resolve the technical error whereby the XXXX XXXX XXXX was not at first recognized by the XXXX XXXX.

Bottomline, after submitting proof that I was covered by an XXXX Account well before the alleged violation on XX/XX/2017 XXXX provided proof that all debts were paid through the XXXX account and by a separate payment of {$27.00}. This final resolution was under Confirmation number XXXX.

Despite this, someone representing the State of Illinois referred the matter to the debt collection firm : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WI XXXX  XXXX  alleges I owe over {$700.00}. Note that I have yet to have an actual State Employee pick up or return my call.

Looking on-line, it appears that the Call Center Contractor and XXXX are quite active fleecing the taxpayers of multiple states while the taxing authorities turn a blind-eye to this revenue-enhancing illegal debt practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was not told or updated of investigation results.
Product: Checking or savings account

I tried to close my CD account with Goldman sach bank Account num XXXX I was asked for more penalty than the interest I earned from the CD.

This is unfair how can they charge me more than interest earned from the CD.  My Principal is FDIC secured. So basically if they charge me more they are reducing my principal which is already secured.
Product: Vehicle loan or lease

Ive been paying my vehicle monthly. My due dates are the XXXX of every month. In the beginning of my payments in XXXX I would be a few days late no more then a week to pay, but I would always receive calls from Carmax Company to let me know that I need to make a payment someone told me I could be up to 30 days late but no more then that. So ive always kept up with my payments never been more then 30 days late. I scheduled a payment on XX/XX/XXXX to be taken out of my account for XX/XX/XXXX of {$400.00} my monthly payments are {$370.00} due dates are every XXXX of the month. So I made my payment on time. I received in alert through XXXX XXXX that Carmax reported my account as 30 days late. I called Carmax and they told me I was suppose to pay my remainder of my balance in full which was of {$780.00} by XX/XX/XXXX. I was never aware of that. They never gave me a phone call to let me know of that. I thought my final payment would be for XX/XX/XXXX otherwise I would have had paid the whole balance if I would have been aware. I have never been passed 30 days late in my payments. So why would I be late in the end of my contract. So I paid the remainder of {$380.00} on XX/XX/XXXX 2 days after i had made my {$400.00} payment. My credit went down XXXX points for this reason. Carmax doesnt want to fix this on my report and they just put my account as closed. They just tell me there isnt anything they can do about it. I have tried to dispute this with them but they just sent an email saying The information you dispute is accurate and complete, so we must decline your request that we modify or delete the disputed information. 
They dont show any other information. Is there anything I can do to fix this problem. I dont want this affecting my credit report. Ive been responsible with all my accounts theyre in good standing but this has made my score go down significantly.
Product: Debt collection

XXXX XXXX said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from XXXX XXXX or from the court system. 
My employer received a letter from Lloyd and McDaniel in reference to XXXX XXXX with information to garnish my wages. I did not receive any information from XXXX XXXX or from Lloyd and McDaniel about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information Lloyd and McDaniel sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of two children. Both children are beginning college in the fall. If XXXX XXXXLloyd and McDaniel garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. XXXX XXXX and Lloyd & McDaniel have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the unauthorized furnishing of my transaction history to third parties ( XXXX Experian And XXXX ) without my explicit consent. 

The FCRA, as codified in Title 15 of the United States Code ( U.S.C. ), Section 1681 et seq., clearly outlines the responsibilities of consumer reporting agencies, including credit card companies, in ensuring the accuracy and privacy of consumers ' credit information. Moreover, the Privacy Act of 1974 reinforces the protection of individuals ' privacy rights by imposing restrictions on the collection, use, and dissemination of personal information by federal agencies. Section 1681b of the FCRA explicitly mandates that consumer reporting agencies may only furnish consumer reports to third parties with the consumer 's consent or as otherwise permitted by law. 

Despite the clear provisions of the FCRA, XXXX XXXX has repeatedly furnished detailed information about my transaction history to third parties without obtaining my explicit consent, thereby violating my rights under federal law. This unauthorized sharing of my financial data not only compromises my privacy but also exposes me to potential risks of identity theft, fraud, and other forms of financial harm. 

Furthermore, Section 1681s-2 of the FCRA imposes additionaXXXX obligations on furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. By negligently disclosing inaccurate or unauthorized transaction history, XXXX XXXX has failed to fulfill their obligations under this section of the FCRA. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate XXXX  XXXX 's practices and compel them to cease the unauthorized furnishing of my transaction history to third parties. Additionally, I urge the CFPB to impose appropriate penalties on XXXX XXXX for their non-compliance with the FCRA and to provide me with remedies for the harm caused by their actions.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. I was reviewing my credit reports and found several fraudulent accounts and inquiries that do not belong to me. I have no memory of opening these accounts or authorizing these inquiries, and they are negatively impacting my credit score. I was told that XXXX verified them with Experian, but they have not removed what Experian already deleted for me. 

Please remove the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove the following hard 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 XXXXXX/XX/XXXX I started disputing these last month but I don't see any improvements. I have attached here my ID, SS card, and a proof of address, together with my FTC report. Please remove the late payment on this too as I was never late in all of my payments with them, but because my accounts were compromised, it affected all my automatic payments too, including this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my Early Warning Services report, which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

Early Warning Services Report : XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX - XXXX Account # : XXXX, None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that Early Warning Services conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID - A copy of my Early Warning report - A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Product: Debt collection

Transworld systems I has has XXXX $ claiming to collect from me for XXXX XXXX XXXX  put this account in my collections i have no knowledge of this account i contacted them to verify debt but they have failed to provide me any thing any letter in mail which can verify it has been 30 days i contacted them 2 times already by phone. I want them to remove this account from my credit report i have included a snapshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im a victim of Identify theft. The theft took place in XX/XX/2014 and Im still dealing with it 4 years later. Ive reached out to Equifax on several occasion and sent them all requested documents supporting the fact of this ID theft. To this date Equifax hasnt block theses accounts from reporting to my credit. When I contacted the creditors directly they state they have no record of me being in their system and there should be nothing reporting to Equifax in regard to me or an account with them. Equifax has provided me with several dispute confirmation that link to nothing being investigated or removed. Im just requesting Equifax follow the law and block this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with Experian to rectify negative information on my credit report. Accounts that are old, inaccurate and should have been removed from account are instead being updated as collections and charge offs showing that I owe past due amounts which is incorrect. These negative marks on my credit report not only hinder me financially but as Experian continues to update these accounts the age of the accounts reflects a newer date which in turn keeps this reporting from ever aging off my report. This is fraudulent activity and also violates the CARES act.
Product: Checking or savings account

There are several unauthorized transactions of {$730.00} which I've never made since XX/XX/2021 to XX/XX/2021 for XXXX, XXXX XXXX and XXXX on my checking account for almost XXXX years. The thing is I haven't used my debit card for purchasing something beside paying credit card, transferring money such as XXXX or XXXX, and paying rent. Whenever I use XXXX, XXXX XXXX, XXXX, I've been always using my credit card not debit or checking account. So, I requested dispute to the card company on XX/XX/2021 and they denied with the reason that the transactions were processed according to the information I provided or were authorized. Of course I don't want to pay for anything I've never made so I appealed again with proofs of my XXXX, XXXX XXXX, XXXX transaction history which don't even match with any of unauthorized transaction 's date or amount. However, they still denied the dispute request with the same reason. If they investigated all the unauthorized transactions, they probably could see who made the transactions, where XXXX purchased delivered or XXXX destinations which wouldn't match with my address or I haven't used this account for purchase but they still denied even though I sent them the proof. Also while I was requesting the dispute and card company sending me new debit card, someone used the updated debit card right away. According to card company, the card information on digital wallet automatically updated so still other person has my information can use the same account. The company 's security is so bad
Product: Checking or savings account

A XXXX XXXX XXXX Report has been completed with no resolution or a response. Money Lion has had a troubled history with actions taken by VA & other  states. I signed up for the {$79.00} membership plan including {$29.00} + {$50.00} mandatory investment. The online message system is unacceptable. The contact forms online serve no purpose as every time, there is absolutely no resolution. You get non resolved emails. Additionally, Money Lion online does not match what is available on the PHONE APP and I do not have a smart phone. I have no idea my checking acct bal unless calling and no statements with the online account. No view of checking or investment accts. I have a review by XXXX XXXX and I need statements email to me by tomorrow. 
Additionally, money lion takes about 9 days to credit the money to the investment account. My loan # is XXXX. Checking XXXX XXXX acct XXXX. Additionally, they purposely hide their phone number of the New York Corporate Office - no one knows what their number is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the XXXX year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in XX/XX/2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
Product: Debt collection

Receiving calls and letter in reference to previous bill which was paid some dating back to 2004, some years prior to the death of my husband. Many related to agency collection fees for bills which were paid to the hospital/doctor directly. Many others show no balance due. Have repeatedly told this agency they were in errors and after seeking documentation their own evidence shows they are in error. 

Remove all records and notations on my credit report with the Credit Reporting Services
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX this year, ( XX/XX/XXXX), I received from XXXX XXXX XXXX a XXXX, cancellation of debt form, for {$XXXX}, which I filed with this year 's tax return and it was reported as income. XXXX XXXX  XXXX is still reporting to the credit bureaus that I have a balance of {$XXXX}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with XXXX, TransUnion, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX XXXX XXXX credit card account as having a {$0.00} balance and as being paid. My problem is with XXXX, TransUnion, and XXXX XXXX XXXX. XXXX and TransUnion wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$XXXX} to the IRS as income, they are still reporting it as the balance I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND XXXX FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS TWO STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE XXXX XXXX XXXX XXXX XXXX! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX  FROM XX/XX/XXXX ON MY EQUIFAX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Tried to use XXXX to make a payment to a university in XXXX. PNC has changed its operating procedure and now does not allow the linking of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and TransUnion on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXXI asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report today and noticed I had a collection from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that was opened on XX/XX/2024 with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.