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

Filed disputes with credit company after very short time they claimed accounts were verified and remaining on credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They claim they verified and remain these companies have not proved ownership of these accounts
Product: Money transfer, virtual currency, or money service

I have transfers from my checking account in an amount {$1200.00} from the XXXX which I do not recognize. I do not have XXXX account. Neither I or anybody from my family initiated this transactions. 
I contacted bank of America and didn't get any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX  when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Product: Mortgage

We want to make 3 consecutive payments to this company so we can refinance after coming outta forbearance and they refuse to let us??
Product: Debt collection

I received a letter in the mail from a debt collector that i did not recognize. I called the number on the letter to determine what it was about. The lady on the phone asked for personal information and I told her I did not know who she was or what the letter was about and was not going to give out personal information. She then hung up on me.
Product: Debt collection

Dear TD BANK Sir/Madam, I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : XXXX. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus remove a bankruptcy from my report in year 2020. In response, they stated that the information XXXX have been verified by various reporting agencies, including XXXX, TransUnion, and XXXX. However, each of these agencies provided vague responses, claiming the information was verified by another agency without specifying which one. They used unclear language such as may have been verified rather than providing a definitive source of verification. Ultimately, they refused to investigate further. I sent a copy of a letter received from the court they listed on my credit report and the letter stated that " the courts does not report public records to any reporting agencies. I have provided this letter previously to this CFPB. There are also collection accounts that have not been verified and shows on my report. I would also like to state that my personal information including social security number, personal home address and telephone number has been compromised due this agency. I have been notified that my information is on the dark web.
Product: Debt collection

This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX  # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX # XXXX, has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous letters to experian to try to resolve a situation. I have on my credit report XXXX XXXX account. I have sent in letters requesting an investigation into this matter I don't believe an actual investigation was done since they keep reporting inaccurate balance amount. I have also contacted XXXX XXXX I haven't either gotten proper documentation that what they are reporting is accurate. This is inaccurate data.
Product: Vehicle loan or lease

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXXXXXX XXXX. When the loan documents were received, it was for Aqua FinanceXXXX XXXX XXXX XXXX Regular on time payments were made to Aqua Finance who reported to all 3 credit bureaus ( XXXX, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to Aqua Finance, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from Aqua Finance or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from Aqua Finance still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXXAqua Finance is no longer reporting to any bureaus at all.
Product: Credit reporting

XXXX, I submitted a request for an investigation into a hard inquiry by XXXX XXXX ( i.e., " XXXX '' ) that I had not authorized. On XXXX XXXX, 2015, TransUnion mailed back the supposed results of their investigation. The results were completely unclear as it was merely a copy of my credit report. Moreover, the report incorrectly included the name " XXXX XXXX '' as one of my reported names. ( The attached photos show the XXXX incorrect places this name appears. ) I am entitled to a more thorough investigation of this matter, a disclosure of the full results, and the removal of this random name from my credit report whose origins I honestly do not know.
Product: Credit reporting or other personal consumer reports

I noticed that back in mid XXXX that my credit report read that my account with XXXX XXXX was closed and in collections as of XX/XX/year>. I called and asked why was it in collections when Ive been making payments. I was put on hold while the gentleman asked someone about it. He then told me that it was in collections and they were the ones who were collecting the money. I explained that my payments that Ive made werent being reported and I havent received nor heard anything about the account being closed. He then asked if I still had the vehicle and I told him yes. I was then told to take it up with the credit bureau. This issue has been disputed XXXX times and I have gone through and found proof of payments that Ive made.
Product: Debt collection

My wife and I each have a personal loan Rise Credit XXXX XXXX, LLC D/B/A XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX. Both of our loans were one month behind and we received a letter from Rise saying that if we paid two months immediately, they would credit my account for one payment as a bonus and two months on my wife 's account as a bonus. When we paid the amount they requested they refused to give us the credit they promised and are threatening us with action if we don't pay the amount they promised to credit our account. Their phone number is XXXX.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Credit card or prepaid card

I have credit cards from CitiBank that earn XXXX XXXX Miles. My signup bonuses and miles posted in a timely manner. XXXX XXXX terminated my frequently flyer account on or about XX/XX/2020 without any notice to me and confiscated my legitimately earned bank issued miles. Although no correspondence has been received to date, research indicates that my account was included in an account termination sweep triggered by AA 's view of too many sign up bonuses from CItibank received. Miles earned from my credit cards no longer have an account to land into, and my earned miles from all sources are gone. These miles were bonuses and spending earned miles -- consumer spending incentives that were developed, marketed and approved by the bank. They were mailed or emailed and contained no specific restrictions regarding my personal eligibility. Nearly all of my credit card approvals with Citibank necessitated a phone call with a representative, and there was never a reference to any term violations. 

I did not violate any terms and conditions that were stated on my credit card applications or banking agreements. Specifically, I did not violate any limitations of sign up bonus. I maintain that it is incumbent upon the banks to not issue miles for credit cards or other endorsed methods that their credit card partner airline, XXXX XXXX, deems unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy ( BK  ) inXX/XX/XXXX. My vehicle financed by Capital One Auto finance was not included in the BK ; I directly paid Capital One for the vehicle and paid off the vehicle inXX/XX/XXXX as the attached payment statements and other supporting documents will show. 

The BK was discharged inXX/XX/XXXX. ( Please see attached file ) Capital One is wrongly reporting to XXXX  that the debt was discharged in the BK. 

I have been disputing this issue with XXXX  since XXXX ; I have also reached out to Capital One Auto finance to correct the issue. Both Capital One Auto failed to report the account correctly. 

Please note I am denied credit for an account reported in a BK that was never in the BK and paid in full. ( Please see recent denial by XXXX attached ) Initially when I disputed the account in XXXX, XXXX  stated the BK will be removed in XXXX. Now XXXX  is saying the negative reporting will stay on my Credit Report until XXXX ; although the account was not paid / satisfied in the BK ; and the BK was filed in XXXX. This is 9 years ago. Please help me resolve this issue.
Product: Debt collection

What happened was : I got here 3 years ago. 
My family was looking for an other place to live. 
When I was working, I saw someone came to the store all the time, and I Saw she is XXXX like me, we start to talk, but she speaks English and I didn't, she told me she will rent a big space so we can live together. 
She took me somewhere to show me an office ( XXXX XXXX ) XXXX XXXX XXXX, and she said that's where we are going to live. When I called my brother he was affraid for me, cause I just got here, he didn't want someone to abuse me. He said you don't really know the lady, if something happens to you, I won't know cause it's too far away for me, I just got an apartment for you close to your kids school, the same day I went to my brothers apartment with my kids. I went to the office to let them know that I got somewhere else to stay, so I won't be with the lady in this place.they told me ok, I will take your name off.so the office know that I never live there. I told them that as soon as I get it, before their apartment was available. 

I am surprised on XX/XX/2018. I received a letter from the creditor : XXXX XXXX XXXX XXXX XXXX XXXX Attn : leasing office XXXX XXXX FL XXXX For the amount of {$4500.00} The office know that I wasn't there. 
They know who exactly they supposed to go after, why they choose to go after me? is it because I didn't understand English too much and I can not defend myself? When I went to the office to tell them why they do that to me.the office told me that she brought a guy to sign for her after I took my name off, and the guy come back to take off his name, so the office told me that's why they keep my name in case the lady does not pay so they will have someone to go after, the office retain my info with out my consent to go after when things go wrong for the lady, why they are protecting the lady, I don't know, why the office didn't retain the guy info to go after him too, I don't know, but the office knows, I got the of the person that I talked to.hepl me out please, cause I need justice. I didn't have any contact with them. 
Thank you.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXX of 2024. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. Equifax should know better and has done nothing to remove them when requested several times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on many attempts to update my legal name on my Experian Account. They refuse to change my name despite it being a COURT ORDERED name change!!!! 

I was transferred 6 times to different departments by people who barely understood English. I have changed every other account without issue.
Product: Checking or savings account

My phone was stolen while visiting a XXXX XXXX property. I wasn't able to check balances or anything because I didn't have my phone, and I continued to use the bank card in my posssession, however I did not immediately realize my XXXX XXXX account was hacked. I noticed four unauthorized charges in the amounts of : {$210.00}, {$100.00}, {$300.00}, and {$420.00}. I got my account pretty much drained. I submitted documentation, police reports and have also written to my state senator for assistance. Up to XXXX is suppose to be FDIC insured, and Chime came to a very quick ( 24hr ) decision that no error occured. I was robbed and they refuse to do anything about it because of a lack of manpower, in my opinion. This should not be happening to people who trust Chime with their money.
Product: Debt collection

After purchasing my first house 6 years ago I started receiving debt notices for debt that was not mine. I've never had a problem with credit card debt and have no student loans. After calling the original creditor I discovered that I shared the exact same name as the person who owed the debt, but they understood and removed me from their system. For 4 years I would receive notices randomly from different debt collection agencies. My assumption was that this debt had been sold to several other debt collectors. Whenever I called to explain they had the wrong person and address each one stopped sending notices. 

About 3 years ago my wife got a call from a Sheriff 's officer. The man with my exact same name had died and the system listed my wife 's phone number as contact. Luckily I was at the house when she received this call and the Sheriff was very apologetic for the mistake. After this the debt notices stopped. To my recollection maybe one or two more came in the mail but as soon as I called the number listed, the collector could easily XXXX the man 's name, find his obituary, and remove me from their system. 

Two weeks ago FAMS INC started sending me notices in the mail, but whenever I call to explain the situation they will not listen. They continue to send me notices and offering settlements even though I can point them to this man 's obituary. After sharing that information with them they claim there is nothing they can do. They continually send me notices and treat me as if I'm lying if I call the number listed. They've asked for my social security number and date of birth multiple times. I have never shared that because I fear they are trying to burden me with this now deceased man 's debt whom I have no relation to at all aside from sharing a very common name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. Kindly update the following items in my file immediately. 
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