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

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on or  XXXX   XXXX   XXXX   XXXX ,   XXXX   and experian took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB Fine these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Product: Debt collection

This information was already removed from my report and has since been added back on. The company was not willing to let me pay it with them even though it was an account someone else put in my name. They said there was nothing they could do because it was sold to a collections agency. The agency harasses and calls non stop and refuses to state who they are. This blemish was removed and should return that way.
Product: Credit reporting or other personal consumer reports

I have been affected by erroneous credit data, and I am once again requesting the removal of the items from my credit file resulting from mistaken credit reporting. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any such items no later than 4 business days after XXXX XXXX XXXX. I have already included this report in my previous correspondence and am including it again. Additionally, the information you provided on these items is UNKNOWN to me and has been REMOVED from other bureaus, leading me to question their accuracy : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint serves to notify you that if the listed items are not REMOVED from my report, I will proceed with filing a lawsuit. My attorney has been informed of my intentions and is prepared to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ITEMS resulting from mistaken credit reporting. Thank you for your prompt attention to this serious matter.
Product: Debt collection

To Whom It May Concern, I am writing to you in regards to the reinsertion of a previously deleted collection account by the name of XXXX XXXX XXXX ( XXXX  ) on my credit report with TransUnion. As of the latest information available, this XXXX account has been successfully removed by both XXXX and XXXX, and it is imperative that my credit report remains accurate and consistent across all three major credit bureaus. 

The reinsertion of this collection account by TransUnion is in violation of fair credit reporting practices and regulations, and as a consumer, I have the right to ensure that the information on my credit report is factual and up-to-date. The discrepancies between the credit reports from TransUnion and the other two major credit bureaus are causing undue harm to my credit standing and financial reputation. 

I request that TransUnion takes immediate action to delete the reinserted collection account from my credit report, as it has already been confirmed as inaccurate and has been removed by the other credit reporting agencies. 

I am prepared to take further steps to resolve this matter if necessary by involving relevant regulatory authorities. Compliance with federal laws governing fair credit reporting is essential to maintaining the trust and accuracy of credit reporting practices. 

To conclude, this is a formal cease and desist letter for Transunion regarding this collection account. Showing this XXXX account on my credit report is damaging and grounds for a lawsuit as a credit report is a medium of communication ( XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

Multiple Errors Across All XXXX of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be XXXX Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double XXXX Violation. 

The Legend Account Status for this Account : Is Empty/Blank for TransUnion. 
Listed As CO repeatedly Every Month for the Past XXXX Years on My Experian Consumer Report. 
Listed as XXXX on XXXX XXXX XXXX Report repeatedly every month for the XXXX XXXX years. 

I have XXXX XXXX of How Many Violations and Errors appear throughout my consumer reports. TransUnion, XXXX and XXXX have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.
Product: Credit reporting or other personal consumer reports

I was with navient for my student loan, and navient had to sell or give peoples student loans to other Servicing companies because of something they did. Now, XXXX has my student loan. They've had it since XX/XX/XXXX and they have failed to report to the credit bureaus. It looks as though I am late on my navient student loan payments when I'm not. XXXX has been taking my payments out of my XXXX XXXX account. On my credit report it looks as though I'm not paying navient and I'm getting alerts saying you are late on your student loan payments when I'm not. I am paying XXXX but navient is still showing open instead of closed or sold account. My credit score is going down because it appears that I am late on my student loans with navient, when navient does not have my student loans anymore, XXXX does and they have failed to report it. They've had it since XX/XX/XXXX and this is XX/XX/XXXX. When will they report my student loan so I can get credit for paying? This is ridiculous! I have petitioned XXXX to investigate and they keep saying navient has certified that this information is true and accurate and it's not navient needs to go ahead and close out my account because I've been paying XXXX since XXXX. XXXX needs to go ahead and start reporting my student loan so I can get credit for my payments. XXXX said they would send me a statement of payment that I could give to experian. Why do I have to send a statement of payment to XXXX shouldn't that be XXXX 's job? Shouldn't they be reporting my information to the credit bureaus? Can they actually look at the attachments that I send them in this complaint? I have sent numerous complaints thru the CFPB to XXXX and thru XX/XX/XXXX own website dispute portal. 
All they say is, this is true and accurate. No!!!! it's not!!! They never look at the attachments that I send because if they did, they would fix what I'm talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you
Product: Checking or savings account

On XX/XX/XXXX a {$700.00} withdrawal was reported to be taken from a Wells Fargo Branch ATM. I didn't notice until my father pointed out my balance was low. This was unusual since I had a balance of over {$2000.00} days prior. As soon as I logged onto my Wells Fargo App I viewed that this amount was in fact withdrawn the XXXX of last month ; XXXX. I reported this as soon as possible to a Wells Fargo Agent over the phone and assured them I had never taken this money from my own account and had just realized this money had been pulled from account. I wasn't aware anyone or anything had access to my account as I have never given my card information out ( such as a pin etc. ) and still have my physical card. I also made sure to mention I have never visited this Branch Location, let alone do I live near it. We made sure to cancel the card I had and ordered a new one to be sent right over to me. It's been over a week now. A day ago, I just received a letter from Wells Fargo stating they believe I had given authorization for someone to steal money. This is an absurd assumption and has caused for me to be behind on payments. They have canceled my dispute and have closed the investigation over my account theft. I need my money back.
Product: Vehicle loan or lease

There trying to say we owe them money when I have a letter that say we owe them nothing if they sell the truck for less I got the letter on XX/XX/year> they sold the truck some time after XX/XX/XXXX it say in the letter that if they sell for less we owe nothing I have talk to a lawyer if they dont stop reporting it and the stop saying we are months behind when truck was sold in XX/XX/year> after sold it was balance XXXX if they dont stop and honor the letter in the next 30 days I will have my lawyer to start a law suit against them the letter clear states we OWE them nothing if the sell it for less then what we owe if they sell it for more they will send us the difference Thank you XXXX XXXX
Product: Debt collection

I get a letter in the mail roughly around X/17 saying that I had a {$510.00} balance that was sent to collections for a medical bill I do not recall ever hearing about. This is now showing on my credit report as " placed for collection '' when I had only received 1 letter and zero phone calls about.
Product: Debt or credit management

Lexington Law said They can remove old collection and they did nothing they taking my out my account and nothing was removed off my credit
Product: Credit card

I received a message alert about updating income for my Chevron XXXX Advantage Visa from Synchrony Bank but I can't get verified ( a code ), cause the website doesn't recognize my phone number I have had for 30 years. It is the number i use on my account, ( see attachments ). So I can't update the income information for that account until I can have access to my profile. The problem is I can't receive a text or phone call cause when I input my phone number, I get a message stating the system doesn't recognize my phone number, so I can't get in to update what Synchrony Bank wants me to update. 

A rep called and left a message on my voice mail on XX/XX/2024 said it was working but the feature is " NOT '' working, thus I can not update my income on the profile page as I can't receive a " Code '' to enter cause Synchrony Bank doesn't recognize my phone number that is listed on the account since it was open, and that is sooo strange to me. I don't know what phone number to use as I only have 1 phone number.. This is my " third time '' to try and rectify the problem in as little as two weeks, to no avail, I mean what is wrong with that company? I Have provided an attachment that shows what the message error is I get when I enter my phone number to receive a code by text, ( see attachments ).
Product: Checking or savings account

My account was compromised via XXXX, and I was hit with a fraudulent transaction. via XXXX using my debit card which has since been replace, XXXX changed my transaction to a check/ach charge using my bank routing number " due to the large amount '' without informing me and leaving me unprotected as per the phone rep I spoke with at XXXX. the person below is a scammer and has not delivered the goods promised to me, I am asking for a chargeback from bank of america on this fraud and I insist XXXX be held accountable for their fraudulent behavior and for compromising my account by switching the transaction to ach without my permission or notifying me. Both Bank of America and XXXX has refused to help with my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to you today as a follow up Complaint to the recent CFPB Complaint I previously submitted requesting the deletion of the fraudulent accounts and information from my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to identity theft. Therefore, it is expected of you to remove the accounts and information I have been disputing. You have not complied with the Federal law, and continued reporting the disputed items as if they are accurate which is a major violation of my rights under the FCRA section 605b. I request of you once again, to remove the following items off from my Credit report as soon as possible : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I previously requested that you send me copies of proof of verification or any documents supporting your claims that the disputed items are accurate, and yet I received nothing. Under the Fair Credit Reporting Act, your inability to send me the needed documents should have resulted in the deletion of the disputed items.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. I have reviewed my credit reports from all three major credit reporting agencies, and I noticed several entries that I have no knowledge of. These entries are negatively affecting my credit score, but I have no information about these items or any related accounts.this is the amount ( Collection account. {$9400.00} ) I kindly request that the CFPB investigate this issue to determine the source of these discrepancies, and ensure that any incorrect information is promptly removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX XXXX XXXX XXXXXXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX  credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( experian, equifax, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX  XXXX XXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.
Product: Vehicle loan or lease

Contacted Mercedes Financial. I got behind on a couple of payments. My vehicle was repossessed! I paid all the fees got the car out and been making all of my payments 2 weeks early I've asked MB Financial in goodwill to remove the mark of Repossession and the late payments and they are refusing. I'm a business owner and one of my accounts was compromised and I couldn't make the payments because I have approx 12K locked in this account. I explained that to them and they will not budge. I'm just asking for a little help because I'm trying to purchase a home. Please help with this situation please.
Product: Prepaid card

Speedy Cash/CCFI This company makes us sell these XXXX prepaid cards to people. The customers are unaware of the fees. Speedy Cash/ Community Choice Financial gave us a map that we must follow to get the customer to add their complete loan to this card. The card is associated with monthly fees and fees every time the customer swipes their card. If a customer is going there to get a loan why would they want this card with extra fees? If the customer wanted the full amount in cash we were told to tell them they at least have to load {$100.00} or the minimum of {$50.00} and the rest they get in cash and this helps alleviate some of the interest on the money in the store. They pay the employee {$5.00} per card sold as long as the customer loads at least XXXX. It used to be XXXX minimum load and then XXXX moved it up to a minimum of XXXX. This is very unfair to the customers. I dont know exactly how much money CCFI Community Choice Financial was making when we sold these cards but Im sure it is a lot otherwise they would not push for us to sell them. When I started they said we at least need to sell XXXX. Then they said we had to sell XXXX per person a month. This company is rediculous. They dont even give the customer the fee schedule so they can see it they just have them scan a QR code as part of their registration.
Product: Debt collection

( This is for 2 accounts ). On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of XXXX During the initial 30-day investigation period, Comenity Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Comenity Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Comenity Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Comenity Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Comenity Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Comenity Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Comenity Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.