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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several wrong items on my credit report. I am a victim of identity theft and as result fraudulent inquiries and charges that have been made on my credit card accounts and a misrepresentation of my creditworthiness is publically displayed to lenders thus causing financial hardship and premature denial of credit.
Product: Credit card or prepaid card

I applied to a Synchrony Bank Credit Card for AE OUTFITTERS, INC and got denied because they claim my XXXX XXXX is too low. They put XXXX 's contact information and XXXX Relations. They checked my score on XX/XX/22 and it said my score is XXXX, which is not anywhere close to my real XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting this account correctly and it's hurting my chances of purchasing a new home for my family. As you can see, XXXX  is reporting correctly that the account was current and paid but Experian show it as a collection/charged off account. 
XXXX Opened XX/XX/2019 Balance owed {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my husband sent an overnight XXXX Mail from the Postal Service to Driveway Finance Corporation located at XXXX XXXX XXXX XXXX XXXX Oregon XXXX in the amount of {$34000.00} for a Payoff of a vehicle financed through the company mentioned. Acct # XXXX On XX/XX/XXXX it was received at the XXXX XXXX in XXXX Oregon and picked up by a Representative of *XXXX* which is the parent company of Driveway Finance Corp . The envelope was received and signed for by XXXX XXXX as my receipt states. 

My husband then contacted the company in my name to verify receipt of Cashier 's Check. They could not verify receipt in their system on XX/XX/XXXX. Was told that give it a few days for it to show in the system. My husband called Tuesday XXXX and Wednesday XXXX and they still could not produce any information regarding the payment. 

My husband then informed them to check with their Supervisors to find out where the check was. The Rep asked for my tracking number which we provided immediately and they were able to verify that someone had signed for it from their company. My husband works at the Postal Service and he did his own investigating. He was able to retrieve the whole tracking history and copy of the person who signed for it which he informed them about. 

On Thursday XXXX after several calls that day they asked for the serial number of the check which we provided at that time. By now we have called this company more than XXXX times and they could not provide us with any information on the location of our money. We were told to call back on Friday XXXX which my husband and was told to give it until Monday XX/XX/XXXX. By now we had already lost all confidence in them finding our money. 

My husband called early on XX/XX/XXXX and talked to a lead Supervisor named XXXX and he told my husband that he would be doing all he could to locate the check. By then my husband informed them that he needed an answer by the end of business day. My husband also informed them that he would be taking action with Gov Agencies and was contemplating legal action. All we were told was OK. 
We have had many dealings with other Financial Institutions and by far this is the worse experience we ever had. This vehicle was purchased in XX/XX/XXXX and were already paying it off. This Company has shown no regard for customers hard earn money. I need help in this matter, I appreciate all that can provide XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

This is not my debt. I want the them to stop harassing me with the phone calls and stop running my credit for debt that is not mine
Product: Debt collection

Rent Debt Automated Collections LLC has no registered documentation on file in the State of Florida to collect on any alleged debts. RentDebt Automated Collections LLC has not provided evidence of its authorization to conduct debt collection activities in the state of Florida. It is imperative that any company engaged in such activities be duly registered and licensed to operate within the state. All collection attempts and consumer reporting related to this alleged debt cease immediately until such evidence is provided and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the Equifax breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today XXXX, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX 

Furthermore the below reference account has not been removed from my XXXX  profile though it has been removed and blocked from my credit profile by both transunion and Equifax. However XXXX  fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to get a copy of my credit report from TransUnion or file any kinds of disputes
Product: Debt collection

RE : Cease & Desist from Collections On or around XXXX, 2024, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to Progressive under account number,, At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 

Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt.

I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 1 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 


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

In accordance with Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, 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 Dept Of ED , 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. The date of date opened is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kansas Counselors Inc. and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore Kansas Counselors Inc is past the statute. The account # 's are Kansas Counselors Inc # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I opened a Bank of America ( BOA ) Cash Rewards Visa Credit Card ( CC ) Having been a loyal bank member since XXXX. Subject BOA-CC grew periodically in available credit, maintaned a status of 'paid ', and 'never late '. Since opening the BOA-CC, rarely did the subject card not have a 'zero balace ' each month at statement close ; Further, this BOA-CC is 1-of-3 credit cards ( all in good standing ) issued by the same bank, reporting 'timely ' to Credit Bureau 's 3-business days after close of statements. On or about XXXX XXXX, XXXX, this BOA-CC, 'intentionally and fraudulently ' reported to U.S. Credit Bureau 's as 'status unknown ', while simultaneously erasing all data therein relating to this CC. When I, as Consumer, enter into BOA online banking this 'same linked CC ' shows a 'credit balance ' for refunded interest and an available balance of almost $ XXXX. This 'intentionally-fraudulent ' misdeed created a 'status of unknown ', dissolved a portion of my credit availability by almost $ XXXX, and date-opened data thereby affecting 'historical and percentage usage. Summarily, the sequence of events were 'diabolically ' put in motion to depress credit FICO Scoring. The BOA can merely look into my linked 'billpay ' checking account and review payment activity to other banks and credit cards 'Nationwide '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Product: Credit card

I just realized that when I do n't pay the full balance of my American Express Blue card, I am charged accumulating interest on the unpaid balance that remains after I pay my bill ( that is expected ), AND -- suddenly -- -I am billed accumulating interest on my newly purchased items that I have not yet been billed for. In other words, I am suddenly paying an interest from day one before I am given a chance to pay it off. For instance -- -one month, I did n't pay {$80.00} of my full balance. Into the following month, I used the card on new purchases. Because I did not pay the {$80.00} ( out of over a {$1000.00} billed to me the month prior ), I was charged interest on the {$80.00} ( fine ), PLUS my new charges ( not fine )! The girl had to explain it to me several times, because I thought I was not understanding her correctly. They charged me interest on my new purchases BEFORE giving me a chance to pay it off! Unreal!! And, this is ONLY because I carried over an {$80.00} balance. I found out that this happened a few times to me in 2015 on small balances I carried over. She said it was in my " agreement. '' Maybe it was, but it is unorthodox and it should be investigated. They must provide me a way to pay it back before they can charge me interest on it. Do n't you think?? How many people do n't realize that they are paying interest from day one on their purchases?
Product: Mortgage

In late XXXX, 2019, we received notification that our home mortgage would be transferred from Shellpoint Mortgage Servicing to XXXX XXXX, effective XX/XX/2019. Our mortgage payment is always due on the first of the month, and the notice advised that with the effective date, we should pay our mortgage to XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX Bank to make our mortgage payment and right before providing our banking information, noticed that Shellpoint had conducted an auto-transfer from our bank account for the XXXX mortgage payment ( on XX/XX/XXXX ; we previously had been set up on an auto-withdrawal with Shellpoint for our monthly mortgage payment ). The customer service rep with XXXX XXXX  advised that Shellpoint would likely transfer the payment to them. Around XX/XX/XXXX, XXXX XXXX contacted me to make me aware they still had not received the mortgage payment. As of XXXXXX/XX/XXXX, Shellpoint still had not transferred our mortgage payment to XXXX XXXX and so I contacted them. The Shellpoint customer service rep acknowledged the mistake and promised to refund the money to our bank account by XX/XX/XXXX. On XX/XX/XXXX, that had not happened, so I contacted Shellpoint for the second time and had trouble getting a straight answer about their plan for rectifying the mistake. Someone was supposed to call me back that day with an answer but they did not. 

Of note, I made the XXXX mortgage payment on XX/XX/XXXX, to XXXX Bank, per the schedule. 

On XX/XX/XXXX, I called ShellPoint for the third time and this customer service rep said they would wire the money to XXXX the very next day ( XX/XX/XXXX ). On the morning of XX/XX/XXXX, I contacted XXXX and confirmed they had not received a transfer of our mortgage payment from Shellpoint and requested a statement of all moneys received. I then contacted Shellpoint for the fourth time and once again, the customer service rep acknowledged the mistake but did not have an answer for me. She said she would fast-track it to her manager and asked me to call back that afternoon. 

I contacted Shellpoint that afternoon ( XX/XX/XXXX ) for the fifth time and experienced the worst customer service of all five calls. The gentleman was rude, talked over me, refused to let me speak to a manager, refused to provide me a date of when they would transfer the money to XXXX and kept telling me they had 60 days to transfer everything. He said a manager would cal me back. 

As of today, XX/XX/XXXX, Shellpoint still has not wired the money to XXXX, nor transferred it back to our bank account, nor have they returned any of my five phone calls.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX 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

SEE ATTACHMENT THE ACCOUNT " XXXX '' IS VIOLATING THE FCRA. 
Section 623 of the Fair Credit Reporting Act ( FCRA ) requires that information furnished provide accurate consumer information to credit reporting agencies ( CRAs ). It also requires that furnish investigate disputes about the accuracy or completeness of consumer information. 

THIS ACCOUNT WAS PAID ( NOT CHARGED OFF ). I HAVE REQUESTED IT BE REMOVED MULTIPLE TIMES DUE TO REPORTING INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my personal name with XXXX because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX . XXXX has profile under anther name XXXX XXXX A.K.A XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card with Citibank. I made some charges at XXXX XXXX, and they were declined due to fraud alerts. I called Citibank and they said the issue was resolved and that I could re-do the charges and they would not be declined. I made the charges again, and again they were declined. I called back and stayed on the line with a representative while she removed the fraud alerts and said I could make the charges again. I made the charges again while on the line with the representative and was told they were fine and had gone through and would not be declined due to fraud detection problems again. The same charges were again declined the next day for reasons of fraud alert. By then, I was in XXXX and had to call from abroad to resolve the same problem for a third time. The representative I spoke to, XXXX XXXX id XXXX ) told me she agreed that I had been misled by the previous representative and that I had been told the issues had been resolved when they had not. I told her that I was now incurring international charges to resolve the problem and had to pay for expedited shipping in order to get the purchases in time for my trip here. I told they I felt they owed me reimbursement for the money I was spending to speak to them to resolve the issue, as I had tried to do so previously and had been told by a Citi representative that the issue was resolved and that the charges could be made and would not be declined, when in fact this was untrue. They declined to address the costs they had caused me in any way. I feel Citi should take some responsibility for the time and cost I incurred in fixing a problem that occurred on their end, caused by their representative telling me that she had fixed the fraud alerts on the account and that I could make the charges without any further interference from the fraud detection system when in fact this was not the case.
Product: Credit reporting or other personal consumer reports

Midland credit Managem account number ending in : XXXX I have never done business or gave this company consent written, verbal, nor implied to contract with Midland credit Managem. I am a victim of identity theft and i sent proper notice to this company to remove this account. I provide this company with a FTC affidavit and cease and desist but i was continue to be harassed and threatened by this collection agents. This company does not have a legal right to collect in this state. I after a XXXX look up this company for a fact does not hold a lien and is not in jurisdiction. This company is operating outside its jurisdiction committing fraud and i demand this account be remove immediately. I am giving this company 10 days or it is tasit. Produce proof of a wet sign of nature giving this company a contract. I have never contracted or consented to an agreement with this company. This company has sent mail misrepresenting themselves and harassing me. This company has violated 15 usc 1692 c ( a ), 15 usc 1692 d ( 2 ). I received multiple mails with these violations and i have received threading voice mail. I was recently contacted by a local attorney whom which i am thinking about hiring and turn over all the mail, call log and voice mail. As the beneficiary i have a equitable interest and i demand this company stop reporting information to third party and exposing my intellectual property and social security number which they have a multiple mails. This company has violated my fee schedule. Produce the forward flow agreement at once and produce all document request so i can see how my intellectual property was sold and who contracted again my verbal and written consent.
Product: Debt collection

Some is using my information to get loans cars and other things Im finding out as I check my credit report Im a single mother trying to get a mom for my kids and this is making it hard for me and my children.
Product: Credit card or prepaid card

I applied for a Chase United business card, with the business name as my own. I applied with myself as the authorized officer, and my wife as an employee. 

Chase messed up processing the application with my wife as the authorized officer ( I have pdf of application showing the opposite ). 

All information supplied was my own ( business number was my phone number, tax id was my own SNN ). I can not close the account now because I am not the authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}