23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I open up an Bb & t account online for my social sercuity deposit sand get misled by BB & T Bb & t sends me documents US mail and via email regarding my account opening and debit card that I never receive than tell me on the phone that it was never issue in the first place ( my debit card ) I was told to step into a branch via telephone onXX/XX/2018 for additional information after 2 weeks of opening my account which I was never informed in the first place until now ( reguarding new information to sign ( known as a signergure card ) after my account been open I requested XXXX accommodations within this public facilitiy due to the fact I am XXXX   to an XXXX XXXX, XXXX XXXX and can not get up there and can the send it US MAIL. They refused Bb & t customer services My account was open than Bb & t refused to send my debit card after giving me written email that it was order and I shall receive it within 3-5 days but never did Bb & t is now interfering to not send me my debit card noting I need it for my living expenses etal ... ...
Product: Credit card or prepaid card

I received a US Bank Reliacard for which I did not apply on XX/XX/XXXX XXXX.They have cancelled the card at my request. I have placed fraud alerts on my credit reports and frozen my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX  XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I  have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX/XXXX XXXX  with a balance of {$430.00} and XXXX XXXX for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA.

I too requested Validation they have yet to prove it.

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX of 2021. I gave my information to XXXX to run my credit, my information was sent to XXXX XXXX where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for 72 months and the XXXX XXXX was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, XXXX XXXX committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, XXXX XXXX changed the term from 72 months to 74 months, and changed my payment from XXXX to XXXX a month, XXXX the total price over 74 months to XXXX dollars I have filed fraud against XXXX XXXX to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, XXXX XXXX has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still XXXX XXXX changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that XXXX XXXX takes advantage of there customers, I was dealing with my mother XXXX in XX/XX/XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that XXXX XXXX has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from XXXX XXXX on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced two losses in my family my mom and step dad , I feel XXXX and XXXX XXXX took advantage and deceived me, correct this issue, I will send this information and all information to Experian, I will not tolerate no company to commit deception as what XXXX XXXX has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you.
Product: Debt collection

I have sent a debt validation request In XXXX and again in XX/XX/2020 directly to the companies, after I had requested these creditors be removed from XXXX, XXXX  and XXXX. The reporting agencies list the debits as verified and when I asked for what info they received to verify these debits being valid they told me that I was not allowed to have this information. I then asked what qualifies a debit to be valid per there agency 's procedure, again told I could not be told that information.
Product: Student loan

I received a statement from Nelnet on XX/XX/2023 that said I have no balance due. Today, I received an email saying I missed a recent payment.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XX/XX/XXXX. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : FORD MOTOR CREDIT COMP XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint from United States XXXX XXXXXXXX XXXX of Minnesota for proof I never filed for Chapter XXXX Bankruptcy. The derogatory record of Chapter XXXX Bankruptcy discharged on XX/XX/2020 currently listed on my Equifax credit report is inaccurate and not my derogatory information. The Derogatory information dont belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a collection/charge-off entry related to account number XXXX, originally opened with CREDITACPT and listed as a charge-off/collection on my credit report. The entry listed is dated Date of Charge-Off/Collection. 

I don't fully acknowledge my responsibility for this account, and I have since taken steps to improve my financial management and stability. In acknowledgment of this, I am kindly hoping you might consider this a request for goodwill I am asking for the removal of this negative item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Amount : {$38000.00}. XX/XX/2022. The information they are reporting on my credit report is inaccurate. I reached out to the company and requested a copy of the contract and any consent forms with my signature but to no avail. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1666 ( b ) states billing error.
Product: Debt collection

XXXX and XXXX of 2021 were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXXXXXX XXXX XXXX XXXX. I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXX XXXX XXXX  account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.
Product: Credit card

Horizon Card Services was a rip off card service that I used back in XXXX and quit using in XXXX. I have been having problems with them closing out the account and I have tried many times. I just checked my credit reports and it is still showing as open. I last contacted them in XXXX XXXX and there is still no resolution. They keep trying to keep me on as a customer and I do n't want to be and I owe them no money. I am tired of calling and asking them to close my account as it seems they never will.
Product: Credit reporting or other personal consumer reports

Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. XXXX XXXX Payment Confirmation, XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XXXX to Pay XXXX XXXX Never Processed Payment. 

XXXX reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XXXX with no issue. This time XXXX did not remove my internet payment. Payments have not been removed since. 

All I ask is XXXX remove the XXXX late remark against my personal credit reporting since they are the ones responsible for this error.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I recently mailed a certified dispute to Credit Collection Services ( attached ) received as of today after numerous disputes with the credit reporting agencies. After reviewing my report multiple times, it came to my attention that CCS was in direct violation of FDCPA 15 U.S Code 1692e ( 3 ) as well as 1692e ( 2a ) ; as explained and shown in the attachments below. I am demanding that this violation be removed from my report following investigation and CCS be held liable.
Product: Credit card or prepaid card

COMPLAINT # XXXX PLEASE ADD THIS TO MY INITIAL COMPLAINT! 

I just looked at my complaint and there are several mistakes. 
You put down the wrong address! 

I called yesterday to respond to your email that you needed additional information. The woman I spoke with did not pay attention. She was trying to start an initial complaint. I gave her my complaint number but she kept talking. I will try to reach you on Monday XXXXXXXX to straighten out this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is fraudulently reporting an account as 30 days past due even after it was paid in full and Affirm themselves have confirmed via phone call that they report to the credit bureaus on the XXXX of every month. Each payment to them was made between the XXXX and XXXX of each month as displayed in the attached file.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed public records that I did not make nor did I approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

i had an a account with XXXX XXXX  i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show 2 repos which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove fraudulent credit inquiries from my credit file but removed 18 closed account is good standing with positive payment history from my credit report without my permission and against the law. 
Information about those accounts in the attached screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and XXXX app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called XXXX and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like XXXX addresses. It even shows that I have an address in Colorado and I never even been to Colorado.

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines.

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.
Product: Credit reporting or other personal consumer reports

I am a licensed XXXXXX/XX/XXXXXXXX, and a strong XXXXredit score is required for my license. 

I use XXXX XXXX credit monitoring through my XXXX XXXXXX/XX/XXXX account. 

Per the attached screenshots, my credit score between XXXX - XX/XX/XXXX was reported as XXXX. On XX/XX/XXXX, I received a XXXX XXXX alert that my credit score had decreased by XXXX points. I question how XXXX XXXX can promote a company like " XXXX XXXX '', I haven't been able to identify who they are and XXXX XXXX refused to help. 

I've pulled all three credit reports ; no late payments or derogatory reporting exists. 

I have two mortgages. My primary residence reflects a 100 % on-time payment history ; the other is that I am a co-borrower, and there is a late payment in XX/XX/XXXX, which should have NO impact 2 1/2 years later. 

From XX/XX/XXXX, to today, I've called and spoken to numerous TransUnion representatives from XX/XX/XXXX, to today. For two weeks, I left messages for a manager. On XX/XX/XXXX, I received a call back from XXXX, who stated that XXXX XXXX reported my credit used as over 50 % of the allowed credit. I have a $ XXXX credit limit, and my balance has never exceeded $ XXXX in 2 1/2 years. 
There is not reflected on my report, I have nothing to refute. 

I called XXXX XXXX, they confirmed my account standing as I noted above. 

XX/XX/XXXX I placed a call to speak with " XXXX '', I haven't received a callback. 

Today, XXXX XXXX, I spoke with a supervisor named XXXX XXXX, who took another message for a manager. This supervisor told me I needed to pay for my current credit score and was prohibited from accessing previous credit reports. 

Except for one representative, XXXX, TransUnion customer service has been condescending, patronizing, and sometimes combative. 

I advised TransUnion I was filing this dispute. 

Thank you in advance for your help, I'm grateful we have an agency that protects consumer rights. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that ere not mine. Please remove these items off my report e.s they ere not mine. XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX   XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX  : XXXX Transunion : XXXX ). I contacted the FTC and my local police. Im also working on my own behalf.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$830.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.