23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXXXXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX XXXX Account Number : XXXX Balance Owed : {$2100.00}
Product: Debt collection

I have been receiving phone calls from J.S Resolution Group , Inc. 
for a loan that was included in a chapter XXXX bankruptcy. I attempted to give my attorneys information to the person calling me and they started yelling and hung up on me. They said they were going to sue me and garnish wages. 

I have also contacted Washington State attorney Generals office and filed a complaint and that complaint was resolved. They stated that they knew I was in BK and they would stop calling me. This was XXXX 2015. Today I received a threatening call at work and started receiving threatening voicemails about being sued and garnished wages. This is not okay and needs to stop. I have taken the action that I am responsible for, and they could have responded to the BK paperwork and been included in the payment plan. 

I have received calls from XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Transunion to have this account validated as I am certain the charge off being reported is erroneous. Transunion keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX using the number provided by Transunion 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Transunion for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle. 

I've uploaded several of the OFFICIAL investigation reports received from Transunion showing the same phone number and address for XXXX that simply loops you back to Transunion.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXe on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit card

I have an in-store card with Walmart and the payments are due on the XXXX day of every month. On XXXX/XXXX/2015 I made my third payment on the account inside of XXXX with cash in the morning. Later that day I checked my account and contacted a Walmart Representative in their card services department. I was told that my cash payment was on time and that no late fee would be added to my account. On XXXX/XXXX/2015 I checked my account and found that a {$25.00} late fee was applied to my account and an {$18.00} credit posted to the account had disappeared. That same day I contacted the Walmart card services department and spoke with XXXX male representatives who refused to remove the {$25.00} late fee and transfer me to a manager. XXXX Walmart reps argued that the {$25.00} late was justified even though I made the payment in time. I was very upset and stated that I thought this was a very dishonest business practice and threatened to cancel the card. In addition, I have proof that my payment was made on time. Since Walmart is refusing to remove the late fee and I am concerned that they will falsely report this information to the credit bureaus I have decided to write this agency to get the matter addressed.
Product: Checking or savings account

My Debit card was reported missing on XX/XX/year>. 
After I reported the card lost, Chase found some charges international/ foreign charges that I did NOT authorize. 
CHASE Closed my checking account ending in XXXX and did not return the money from my account. 
They also calling me to pay the charges on my checking account that was NOT authorize or no knowledge where all the charges come form. My checking/credit Account information was compromised. 

The CHASE representative asked me to provide a document and I did sent it to them by Fax from XXXX XXXX. 
No information of resolution was received from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
Product: Vehicle loan or lease

In early XXXX of XXXX I attempted to trade in my vehicle, a XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX in XXXX, TX. I was seeking to purchase a new truck, and trading in the old truck, XXXX XXXX XXXX of {$3000.00} was necessary to get a loan. 

However, my loan company, XXXX XXXX XXXX, had never sent me the title after I PAID OFF THE TRUCK back in XXXX. 

I reached out to XXXX to resolve this issue but they had sold the account to a company calling itself First Investors Servicing.

I then contacted First Investors to get the truck title sent to the dealership. However, First Investors alleged that {$6000.00} was somehow owed on the truck here in XXXX despite me paying off the loan in full back in XXXX after there was only {$1100.00} left on the note. So there was no note to sell First Investors by XXXX XXXX XXXX to begin with. This must be some sort of scam. 

Though I owed them {$0.00}, I nevertheless offered to settle this dispute with a payment of {$1000.00}, just to acquire the title and to get the fake collection I found listed on my credit report resolved. 

However, First Investors insisted on {$6000.00} from me ( {$6000.00} more than the {$0.00} I owed, and {$3000.00} more than the XXXX XXXX XXXX of a XXXX XXXX XXXX with XXXX miles on it ) even though I properly owe them nothing. But they would not budge, apparently feeling all-powerful over a powerless consumer in need of a new vehicle. This kind of abuse is precisely what the FCRA, FDCPA, consumer protection laws, and anti-fraud statutes exist to forestall. Yet this company persists in this activity. 

Even today I am still willing to settle for {$1000.00} just to get the title and get my car loan for a new, modern vehicle. This was a generous offer to First Investors since I paid off that truck to the previous note holder XXXX XXXX XXXX and owe nothing on this truck anymore to anyone. The entire issue is outrageous and abusive to this consumer who did nothing wrong. 

Please help me resolve this issue and get this successor note holder to release my paid off title and cease their false credit reporting. 

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

I sent a letter off on XXXX XXXX to XXXX, XXXX, Transunion, tracking number for each letter XXXX # XXXX, XXXX # XXXX, Transunion XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights
Product: Consumer Loan

Last XXXX XXXX I applied for a credit line to cover some XXXX at my XXXX office ( in one of their computers! ) I got approved with 'CareCredit ' from Synchrony Bank . 
I used the line of credit on the same day that I was approved, they offer me a promotional with 'no interest for 12 months ' the transaction was made on XXXX/XXXX/XXXX, but the due date on the card was/is for the XXXX of each month. 

I did not made any connection to it, until the month when I sent my last payment - which it should have been XXXX/XXXX/XXXX ( as it was stated on the 12 month promo ) but to my surprise and disbelief the promo expiration date turned out to be set for XXXX/XXXX/XXXX!! - Not the transaction date and not my due date ... now 'Synchrony Bank ' has charged me accrued interest from the transaction date to " their made up due date '' at a whopping 26.99 % interest rate ; they now want a total of {$540.00} more dollars from me. 

Had I known that they do in this a consistent basis just to trap people into paying whatever interest rate they decide, I would have use any of my low interest cards. 

Angry and sad in TX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW
Product: Debt collection

I have already paid them off. But they are still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessful in contacting Experian about a complication and their website isn't working correctly with my login credentials, nor does any of their customer support/service phone numbers. Experian system is faulty and malfunctioning. I am being denied access to credit by Experian due to listed reasons which are not valid. 

I would like information on current lobbying efforts to increase regulation of credit reporting agencies. I would also like to receive any advice on recourse with delays in access to credit due to Experian 's faulty phone and web access portals.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am disputing the following accounts : 1. XXXX XXXX XXXX XXXX ( Account # XXXX ) 2. XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX  XXXX ( Account # XXXX ) 4.XXXX XXXX XXXX ( Account # XXXX ) 5.XXXX XXXX ( Account # XXXX ) 6.XXXX XXXX XXXX ( Account # XXXX ) 7.XXXX ( Account # XXXX ) 8.XXXX XXXX ( Account # XXXX ) 9.XXXX XXXX ( Account # XXXX ) 10. XXXX. XXXX, XXXX ( Account # XXXX ) 11. XXXX XXXX XXXX XXXX ( Account # XXXX ) This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se )
Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting

I applied for this card specifically for a medical/dental issue. However, they are listed on my credit report as revolving credit, not medical, which is inaccurate. The correspondence came from Synchrony bank which I did n't recognize as Care credit so I questioned the validity on the account and was therefore late on my XXXX payment. Now that I know who I am dealing with, I will be making regular payments on time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent ( CFPB ) findings against Navy Federal Credit Union for similar practices, Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

There was a problem with my auto draft as my original source of payment was compromised. I attempted to make the correction but Klarna was not easy to work with or accepting. They sent me to XXXX XXXX, their collection wing. I made the entire remaining balance payment to Klarna on XX/XX/2023 in the amount of {$680.00}. The next day on XX/XX/2023 XXXX XXXX took {$680.00}. When I noticed both payments were processed, I called Klarna ( XXXX ) to ask for one of the payments to be refunded. They refused.
Product: Credit card or prepaid card

I called in XXXX of XXXX to ask my account be reopened and/or to remove closed status off of my credit report. I was told this was not possible then they updated my credit report to reflect the date of my dispute when it needs a close date of XXXX. This incorrect date of XXXX impacts my credit negatively. Because it pushes the the recorded time on my credit report out until XXXX instead of XXXX.
Product: Bank account or service

Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public record is incorrect. I have verified with the court the dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Product: Debt collection

Some company by the name of Credit Collection Services put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : The Equifax Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX Account Number : XXXX  Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA, and these two accounts remain on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report, as I am a victim of a data breach that has resulted in unauthorized activity. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit file.

Accounts to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$14000.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$5100.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$12000.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$4600.00}
Product: Debt collection

XXXX XXXX XXXX has a debt from Midland funding stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.
Product: Debt collection

XXXX, XXXX and XXXX called my phone threatening a civil lawsuit for a debt from XXXX. When asked if I could have information or a debt validation letter they stated it would have to go to court first and that the debt was with US Bank. I contacted us bank they sold the debt in XXXX. But not to XXXX XXXX and XXXX. The rep stated if I paid {$1800.00} today it wouldn't go to court. If it went to court it would be double. I paid and then they sent documents that look fictitious. I filed for reversal on charges as started to feel this was scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute letter to TransUnion, XXXX, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I deposited a XX/XX/XXXX check from XXXX paid out for XX/XX/XXXXXXXX disaster damage. {$4200.00} Truist Bank admits they have the funds in their possession but are withholding the cash from my account for " confidential '' reasons. They have the funds but will not release them to me. That is theft. 
I have been waiting for 4 1/2 months for this relief money. Truist is not being helpful to folks in this area. 
What is suspicious about a XXXX check in a disaster zone? Truist Bank is disgusting!