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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$350.00} ; ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have been a customer of TD Bank for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by TD. 

I had a overdraft line of credit from TD Bank on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as XXXX XXXX was becoming an issue and as bank branches were closing. 

I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from TD Bank. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 TD accounts to be able to pay the balance, which I wasn't able to do through TD 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX Bank or XXXX bank on any of my loans. They responded with a from letter that the dispute was rejected. 

This negative payment, the only one on my credit report, is causing my credit score to be as much as XXXX points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. 

I tried reaching TD Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. 

I am hopeful the CFPB can at least get me to speak to someone at TD Bank to get this resolved.
Product: Vehicle loan or lease

I purchased a used from you XXXX XXXX XXXX. In less than 3 weeks, we had to return the car twice. I contacted the you as well as XXXX. You didn't want to help us with the car, so we surrendered the car because the car was no good. YOU the dealership didn't give us a buyers guide and the car was in an accident. Lots of info was omitted.. If we would have known this, we wouldn't have purchased the car. We disclosed this with the bank and the car was sold at the a auction. I didnt even have the car for a month when it was returned.. plus .. we didnt even know the timeframe for it to be returned. This account is already settled needs to be delete. I got my down payment back. Fix my credit report!!
Product: Credit reporting or other personal consumer reports

I am writing to reiterate my dispute regarding the following accounts, which contain inaccurate and unverifiable information. Over the past five months, I have sent multiple dispute letters to your agency, all of which are dated and time-stamped, demonstrating a clear paper trail of my efforts to resolve these issues. My most recent correspondence, dated XX/XX/XXXX, specifically noted four disputed accounts that remain unverified by the original creditors. 

Below are the details of the disputed accounts and the reasons for their inaccuracy : XXXX XXXX XXXX XXXXXXXX This is not my account. I was informed that the primary owner of this account is XXXX XXXX, not me. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX The date last active is incorrect, and there is no balance due. The correct date last active was in XXXX. This discrepancy renders the information unreliable and must be removed immediately. 
XXXX XXXX XXXX XXXXXXXX The original creditor could not locate any information regarding this account, and I have no obligation to the collection agency. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and must be removed. 
XXXX XXXX XXXX - XXXX The date last active and balance are both inaccurate, making this account unverifiable and subject to removal. 
As per the Fair Credit Reporting Act ( FCRA ) and the FDCPA, you are required to conduct a reasonable investigation and remove any information that can not be verified or is found to be inaccurate. 

If these accounts are not removed immediately, I will have no choice but to move forward with litigation to protect my rights. This letter serves as your final opportunity to resolve this matter before further legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed/dismissed bankruptcy that Transunion, XXXX and XXXX are reporting on my consumer report without consent of negative and harmful feedback on my profile and hindering processing for housing. Due to this being a violation of my right to privacy under Title 15 US code 1581, I have requested removal by Cease and Desist as well as an Affidavit of Truth and received no remedy from these agencies. I have contacted the courts where my previous bankruptcy was filed and they have verified that they did not provide my information as either. I would like the reporting of this bankruptcy as well as all addresses associated with this filing removed from all reporting agencies.
Product: Debt collection

I have a current complaint against XXXX XXXX with Cach LLC now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is XXXX XXXX XXXX
Product: Debt collection

I underwent a routine test at a local clinic and the visit and all procedures were fully covered by XXXX, the health insurance company. XXXXXXXX XXXX  Explanation of Benefits indicates that the physician 's clinic, XXXX XXXX, was paid directly by XXXX. Despite receiving payment in full, XXXX XXXX, repeatedly tried to double bill me directly. I explained to them several times over the phone as well as in writing that this bill had already been paid by XXXX. They simply ignored my response and in partnership with their collection agency, Frost-Arnett, have repeatedly tried to fraudulently collect monies that were never owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX and who ever stole my identity has used these card in a different state the lady at customer service said they were never used in XXXX. I now my wallet was stole out my car at the park some time ago. The police came out and took a report and the ins company fixed my window.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} and XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft. someone Use My Personal Information Without My Authorization. Plesae block and Removed these accounts From My Credit
Product: Prepaid card

I was sent a prepaid card unsolicited that supposedly contained a rebate for a purchase I made. I did make the purchase but did n't request the card. The fees and challenges of using the card made impossible to apply its balance to purchases. I have since received a second card unsolicited, which I am refusing. The card comes from Blackhawk Network, associated with XXXX XXXX XXXX XXXX, SD. The rebate was for XXXX products manufactured by XXXX XXXX.
Product: Credit card or prepaid card

Lowes credit card issued by Synchrony Bank has added a phone number which can be used to verify my account that I never added. They said to call XXXX at XXXX but they shouldn't be allowed legally to add anything no matter who reports any information especially as a verification method without my consent. I believe this to be wrong and should be addressed.
Product: Debt collection

Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.
Product: Checking or savings account

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is now 2022 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! I have a copy of my reports but I dont know what to do with the information. 

I have done everything to try and clear my XXXX XXXX XXXX, reached out to all of the banks and they say my name is cleared yet I am STILL Unable to open up a bank account with anyone!
Product: Credit reporting or other personal consumer reports

I have mail dispute letters and i have a lot of collections are showing errors. I have asked for accounts to be deleted and i was told the investigation was accurate and it will not be deleted
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where. Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX sent me an investigation response regarding an inaccurate account that they are reporting on my credit report, stating the account was DELETED. XXXX months went by and it was still reporting, so in XX/XX/2023 I sent them a letter stating that it was still reporting and to remove it. It's now XX/XX/2023, and they have not responded nor have they removed it. 
I've included their response showing that they " deleted '' it, the letter I sent them in XXXX and a copy of the credit report showing it's still reporting.
Product: Credit card or prepaid card

I wrote to Wells Fargo a few months ago describing my family 's financial hardship. I asked if there was a way for them to reduce the amount I owe ( I 've had the card for 14 years ) where I could afford to make the payments. No reply no anything. I have tried working with them, but my pleas has gone unanswered. We have a son who is XXXX and to keep him where he needs to be mentally, we can not afford the payments and the high interest rate that continues to climb. I 've asked for help, but apparently my plea has fallen on deaf ears. I do n't want the entire balance erased as I could do that through Bankruptcy. But I do not wish to file Bankruptcy, I want to keep my card, but lower the amount owed and the interest to a reasonable amount, which will allow me to pay my bills and take care of my son.
Product: Checking or savings account

My phone and wallet were stolen from my studio and used to make a fraudulent check deposit and multiple transactions on the card afterwards on or around XX/XX/XXXX of 2021. The check was deposited for {$18000.00} and the unauthorized user made over {$7500.00} worth of fraudulent transactions before my account was frozen. There were many consecutive repeat transactions that were clearly suspicious but still went through. I was never alerted or contacted until after I noticed the fact. I tried to contact chase as soon as I noticed but was unable to speak to anyone at any of their call centers or different phone numbers or departments. I thought they would reach out to me but I still would try to call periodically. After finally getting through to claims and opening a claim, it was denied because it wasnt reported in a timely manner. I provided them with call logs showing my attempts to reach out. I was distressed and had a lot to recover and deal with and I felt completely neglected by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   -2015   {$120.00}   XXXX   XXXX   Is an account that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. 

attached is my credit report with demonstrating evidence
Product: Checking or savings account

XXXX credited money back to my card ending XXXX with Wells Fargo bank there were XXXX transactions that were credited back to my account that had been closed a month prior Wells Fargo was supposed to reject the fund so it would go back to XXXX and end up with my XXXX balance, but XXXX says that they have never received the funds back. Its {$3100.00} total that I am missing. Ive spoke to Wells Fargo multiple times and they cant provide me any trace numbers of when they were sent back to XXXX.
Product: Credit reporting or other personal consumer reports

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with Experian, XXXX, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Product: Credit card or prepaid card

I get an online statement and I did not receive my statement in XXXX it went to spam and Kohls never called sent a email or mailed a letter to my home stating my payment was late. I have worked very hard to keep my credit score up and since it went went 30 days late because I had no idea I had a late payment my score went down like XXXX points. 

I feel they are responsible to let you know that it was late seeing an online payment can go to spam, when you have a lot of bills to keep track of I would assume you Would get a notice when something is late. 

I asked twice for them to remove the 30 day late and they refuse. I have been a long time customer and never been late.
Product: Bank account or service

Citizens Bank, and banks in general, when there are overdraft situations, charge from the highest check down. I.E. XXXX went through, and I did n't know it. It was {$30.00}, and I had another item. They took the larger item first which overdrew me {$1.00} and then the lowest item. If they had taken the lowest item first, it would have been only XXXX fee. THIS IS JUST A WAY for them to make money. When you talk to them about it, they say " Do n't you want the highest paid first. '' Well, it really does n't matter because they pay it anyway and just charge you. VERY poor practices, and I ca n't believe it 's allowed! Thanks.
Product: Credit reporting

This case was disputed but should n't have disputed this account on my credit report. I asked Equifax to remove the dispute off my credit report. But they will not remove the dispute after I have paid the account in full and in good standings. The account on my credit report is XXXX XXXX account # : XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several hard inquiries that I did not recognize. I have received no confirmation from Transunion with verifiable proof that I provided any written consent to report these unconfirmed inquiries. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has violated my rights to privacy , and per the FCRA, I am now opting out of any and all authorization, written and non-written, verbal and non-verbal, per 15 USC 6802. I was granted no Pre-screening Opt-out notice and per 15 USC 1681 ( b ), any consumer reporting agency may furnish a consumer report in accordance with a WRITTEN request by the consumer to which it relates.
Product: Credit card or prepaid card

Well I was trying to make a account with discover and it said I have an account with them but I never make a account with them.
Product: Debt collection

lvnv funding is currently reporting my credit report for a debt that I was not aware of I have not received no letter no phone call no validity of the debt nothing, they have not even verified they have right person or given me the right to challenge the debt I filed a complaint with bbb and all lvnv funding gave me was a copy of a bill with a address that I do n't live at, said address belongs to a family member
Product: Debt collection

Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} XXXX XXXX XXXX - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is Synchrony Bank. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.