23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My lease with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - which I signed with 3 other roommates - ended in XX/XX/2019 before the lease ended. I have tried to get the collection company, National Credit Systems, and XXXX XXXX XXXX to allow me to settle my portion of the debt so that I can remove this from my credit report. 

My credit report shows that I owe {$14000.00} - which is incorrect. However, since I was one of four roommates and my portion of these costs should be 1/4 of that total. 

I am looking to settle this account as soon as possible as it is preventing me from getting a mortgage. I have asked XXXX XXXX XXXX and National Credit Systems to please provide a breakdown of the costs that are owed by me ( 1/4 of the total ) and any settlement offer to settle this account immediately, which would include noting on my credit report that this account has been settled and is paid and satisfied. They have refused, which is unfair since I was only responsible for one-fourth of the rent payments under the lease.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Easy Finance now known as Stepstone Credit in XXXX gave me a hard time because I had a XXXX  XXXX  debit card that my XXXX was coming on different days each month and it started when I lived in XXXX they're located in XXXX. Arguing with me about knowing when my check would be coming although I didn't know until the check posted so I called them some XXXX. I paid them off when I lived in XXXX and when I moved in XXXX XXXX XXXX called and I got a loan over the phone. After XXXX died XXXX. I had my electric bill on autopay and I had money on different cards I told the loan company which card to take the payment from and they tools the payment from the wrong card causing me to have a returned check to XXXX XXXX and and I had to get utility assistance afterward. They also were told which day to deduct from my XXXX card and they stole my money leaving me with a negative balance. They harrassed me for money I didn't have because I started working for XXXX XXXX and as I worked I never made enough and had to take out other loans to pay them. They've told me twice not to call them anymore. They hang up on me and want me to cuss. They lie. And expect me to be quiet about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on a number of occasions to have Equifax correct my credit report because they are showing an " open account '' as " closed ''. It happens to be my auto loan with XXXX XXXX XXXX XXXX  which I clearly still make payments to every month and still drive the vehicle. They are the only credit reporting agency that shows the account as closed. I have tried calling a number of times, tried reporting it online via their dispute center but every time it comes back that it is reported correctly when it is not. My bank and other credit reporting agencies do not show it as closed as it was never closed so I am not sure how this mistake came about because it was previously reported as open?
Product: Debt collection

An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.
Product: Debt collection

COLLECTION ASSOCIATES LT IS REPORTING THAT I OWE XXXX  XXXX XXXX {$970.00} THIS WAS PAID IN FULL THE DAY OF THE XXXX  TO THE XXXX  CENTER HAVE SENT THEM THE CHECK PROVEN THIS WAS PAID BUT THEY HAVE NOT REMOVED FROM MY CREDIT REPORTS. I ALSO LOST MY XXXX XXXX IN THAT XXXX  DUE TO THE XXXX
Product: Debt collection

So far this company keeps changing dates every time I dispute with credit bureaus, last dispute was a week ago and they charged the date from XXXX of XXXX to XX/XX/XXXX of XXXX and previously they indicated I took the loan on XX/XX/XXXX and this time they took the date completely out, I called this company and explained that during that time it was stay at home order and i had XXXX as well on quarantine and lost my XXXX like majority of Americans, our XXXX  room was closed due to XXXX and i didn't get my XXXXt check till XXXX of XXXX a year later for all those months with XXXX check because it was tight up for identity verification with XXXX. I had the worst time of my life and state of California put freeze on rent and collection because we all were suffering at that time and it was time of survival not collection. I didn't even recieved a single mail from this agency and they went report to credit bureaus and don't want to negotiate, it's a shame, this company is XXXX XXXX located in XXXX, KS
Product: Debt collection

They call my number and does not state who the debt is for. The company is XXXX. To collect a debt is for XXXX. I don't owe any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXXXXXX Account number : XXXX 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 consent.

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 then Records of convictions of crimes which antedates the report by more then 7 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 the information is in accurate. 
This isnt not the first time, the three credit bureaus XXXX, XXXX and Transunion have violated my rights. 
Transunion never responded to my certified INVESTIGATION letter I sent over 45 days ago. 
This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the credit error of XXXX. Your company has me at XXXX or lower. XXXX of my banks say almost XXXX XXXX I attached screen shots to complaint I want a full investigation into this because I believe you guys are reporting this wrong and my bank is right. 


If this is the case due to the impact this error has had on my financial situation, I would like to discuss potential compensation for this mistake. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response
Product: Checking or savings account

I have been a customer of Wells Fargo for almost 9 years and I am owed damages due to Wells Fargo incorrectly charged overdraft fees on debit and ATM withdrawals over the 9 years. 

As recently as this week, I have been wrongfully charged overdraft fees and charges are being approved that should not be. I have asked the bank over and over and over again not to approve charges when there are insufficient funds and I have signed the paperwork to do so, yet Wells Fargo continues to approve charges when my account does not have the funds to cover the charges and then they charge me {$35.00} for their error. I am currently XXXX most of which is late charges for purchases that should have been denied based on the terms of my account and the paperwork I have signed! 

In addition, over the past 3 months, I have attempted to close my account on several occasions and was told I could not do that without coming in to a bank in person. When I went into a bank in person, they told me I could not close the account for 30 days and that they would not be able to close it until I stopped all automatic payments. I wanted to withdraw my money and close the account. they would not let me and now again my balance is negative and I have been charged late fees I would like to receive the damages owed to me as part of the recent Wells Fargo settlement and I would also like my account closed immediately. This is illegal and unethical and a massive disruption to my financial security.
Product: Credit reporting or other personal consumer reports

XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.
Product: Debt collection

I have tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and put the same numbers back on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX  this situation has put me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXX XXXX XXXX - Equifax reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my Equifax credit report.
Product: Student loan

EdFinancial is my current loan servicer. I have confirmed this with Student Aid, my school, and also Edfinancial themselves. I made an account with Edfinancial to set up automatic payments. When I go to sign into this account, I get the message " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I then called Edfinancial to see what was going on and to get into my account. After waiting on hold for nearly 3 hours, I finally was able to speak to someone. She confirmed that I had about {$17000.00} in student loans with them and was unsure why it was giving me this error message. She said she could take payment on my account. When she went to put in my information, the same error message popped up for her. She could see my account, but the system would not allow her to take any payment. She said she flagged the account and to check back in a week to see if it was fixed. I tried again a week later, and I still can not access my account. I called back and was told that they still were not sure what was wrong with my account, and they were still unable to take payment. I asked them if they were still charging interest on my loans, and they confirmed yes, they were. They are telling me they can not stop the interest from being charged to the loans even though I have absolutely no way to pay them, and they are unable to resolve the issue with their system. I asked to speak with a supervisor and was told I would get a call back in 24-48 hours. I never got a call back from anyone. I just tried to login to my account, and I still can not access my account. I spoke with someone with student aid who told me that the only thing I can do is file a complaint. I have applied for the borrower 's defense, but I still want to make payments on my loan in case the borrower 's defense is denied. I do not just want to hope it gets accepted and rack up tons of interest. This is insane that I have no way to make payments on my loan, yet they continue to charge me interest. I just want to get into my account and make payments. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report. 

On XX/XX/2023 I paid {$120.00} to Credence to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report. 

I also settled to pay XXXX XXXX XXXX {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.
Product: Credit card or prepaid card

Citibank who issues a card for Home Depot would continually issue late fees when payments were submitted on time. Would have to call regularly to get fees rescinded. Finally had it with this credit card company, called and cancelled card. Entire amount was paid off. Company continues to send statements with minimum late fees of {$2.00}. They have their robocaller calling me every day to collect the amount due. Called the company several times. They will not remove the fees, talked to a " manager '' he said he could only remove {$2.00} of the fees not the other fees they have charged to the " closed '' account. Am receiving monthly statements with the minimum fee added of {$2.00}. This is the worst credit card company ever in my experience.
Product: Credit card or prepaid card

Im disclosing all phone records speaking with XXXX XXXX from the beginning where rep advised to dispute with credit card company on XX/XX/XXXX and also escalation called where they advised that everything was ok and taking care of to be refunded. All calls was recorded and pulled by supervisor on XX/XX/XXXX and followed up call on XX/XX/XXXX to state that the calls was pulled and that they think the rep was new but would have it taking care of. XXXX from chase supervisor also putting in a request to have these phone calls pulled to back up claim that I would be refunded and there was no cancellation done on XXXX because I never spoke with anyone or have any emails or information included phone records from XXXX from my phone to back up claim. They denied credit again on XX/XX/XXXX for XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I was incarcerated from XXXX till XXXX in the XXXX XXXX XXXX XXXXXXXX. XXXX Discover Credit Cards, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX XXXX card was opened on XXXX of XXXX Once I was released, I got a copy of my credit report and I notified Discover and XXXX XXXX about these accounts and I also notified all XXXX credit bureaus about this and they removed them from my report. 
Then they were put back on my credit report because Discover and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. Discover and XXXX XXXX still maintains that they are my account and they are not. 
Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Credit card

After cancelling my Amex Business Account, Amex keeps sending paper advertising despite calling them to STOP, filing XXXX  and FTC complaints ( which went ignored ) they continue to send mail to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy company XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX I called many times over past year and despite being assured they took care of it and informing me that it will take affect within 90-Days, the mail continues. 

I don't know what else to do, this is absolutely against the law, when a person says stop sending me mail advertising, they do not stop. 

Please help!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance XXXX ahead of the loan term agreement. XXXXXXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries Dear Experian I am writing to formally dispute unauthorized inquiries on my credit report. I recently obtained a copy of my credit report and discovered inquiries that I did not authorize. These inquiries may be the result of identity theft or a clerical error, and I am concerned about their potential impact on my credit score.

The details of the unauthorized inquiries are as follows : 9inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX I have no knowledge of these companies nor have I authorized them to access my credit report. According to the Fair Credit Reporting Act, I have the right to challenge inaccurate or unauthorized items on my credit report. 

To resolve this matter, I kindly request that you : Investigate these inquiries to determine their origin and legitimacy. 
Remove these unauthorized inquiries from my credit report if they are found to be erroneous or fraudulent. 
Provide me with an updated copy of my credit report post-investigation. 
For your reference, I have attached copies of my credit report highlighting the disputed inquiries, as well as any relevant supporting documents. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as stipulated by federal law. Please contact me if you require any additional information or clarification. 

Thank you for your cooperation and assistance in resolving this issue. 

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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I bought a prepaid vanilla gift card for {$220.00} at a XXXX. I came home and the package had been tampered with and when I went to activate it, they told me the verification was no good and there was a problem. They told me to email a copy of the receipt and a picture of the front and the back of the card to them so I did this on XX/XX/XXXX. Its XX/XX/XXXX and I have heard nothing from them. Ive called at least six times I get the runaround every time. They keep telling me every day I need to wait 48 hours to hear from them. I cant understand what theyre saying. I am a XXXX  mom with XXXX kids. I need that money desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Product: Checking or savings account

Capital one ACH direct deposit having issues with third party company that releases funds. I still have not received my check in my account. No new information is being shared and other than a generic email we are working on this, I have not reviewed any communications or ETA. This is causing other bills to be considered late and Im incurring late fees and it is impacting mt credit score.