23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACIMA DIGITAL has an account reporting to my credit report that has been proven to be fraud. 

I called them and spoke to a representative on XX/XX/XXXX regarding an account that has recently been added to my credit report. I have disputed this account through the 3 credit bureaus and the company stated they were able to verify this debt as mine. 

Upon speaking to an ACIMA representative, they had an incorrect email and home address where I have never lived. This account is a FRAUD. I was advised to email my police report for identity fraud. 

On XX/XX/XXXX, I went to he police station and filed a police report and emailed the copy as advised and asked ACIMA to please remove this item from my credit report immediately. 

On XX/XX/XXXX Acima responded via email and stated that I sent them a police report that was " unredacted '' as if they insinuating that I made changes to the official document. They received the official document tat i received from the police department and are not removing this fraud account which is hindering me from moving forward with my financial goals. Please assist in getting this company to remove this debt! I don't know what else I can do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Product: Credit card

I have XXXX credit cards with Discover. I signed up with Discover many years ago because they marketed a feature of " online privacy protection '' where Discover supposedly works to eliminate people-search sites that exposes your personal information. I signed up with Discover thinking that they would get rid of my personal information from such sites but when I called I was told a different story. I was misled into thinking that Discover would help me remove or opt out and send a request about my personal information to people search sites but Discover used misleading and deceptive tactics to entice to apply for the credit cards where in reality they don't do anything to get rid of customer personal information. In XXXX I called Discover asking them why if they submitted opt-out requests to all these people-search sites months ago, then why my information was still there and same sites were six months later or years. I was told that I have to contact the websites and put the request to opt out myself and have my personal information removed. I was told Discover does not do anything and is just a list for my information to take action. I was confused and scammed by Discover. All this time I was thinking they were working for me to get rid of my personal information form all these people search sites but in reality nothing was being done by Discover. It was just a deceptive tactic for customers to apply for their credit cards.The same sites appear on Discover credit card website under online privacy protection but nothing changes. Same sites such as XXXX, XXXX XXXX, XXXX, XXXX etc appear under my profile for years and nothing changes. Is misleading and Discover is not doing nothing to help the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I notified Navient a year ago that I was part of the XXXX XXXX XXXX XXXX and they haven't been giving me accurate information about how to discharge the loan under the Holder Rule. They have been collecting payments on these loans while violating the Fair Debt Collections Act while giving me bad information, collecting on a debt they aren't legally allowed to and giving the false impression that I need to give them more information on top of what I already gave them in the form of a 12-13 page application. They are miscontruing the statements of the Federal Government to lie about statements given about the Insitutional Misconduct that was reported on and in an attempt to continue collecting on the debt or delay to where the company can transfer the contract to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards with the XXXX XXXX XXXX XXXX XXXX. Both cards are being correctly reported to XXXX and XXXX, but not to TransUnion. 

The issue is, my {$500.00} card reports on the XXXX of each month, and it shows up on TransUnion 's page. Then when my {$1000.00} card reports 7 days later, the {$500.00} card disappears off of my report. 

Then when the XXXX of the next month comes around, the {$500.00} card reports again and bumps off the {$1000.00} card. My XXXX XXXX takes a hit because it says my available credit dropped by 50 %. 

This cycle has continued since I opened both cards in XXXX of 2019. 

My credit union and TransUnion kept blaming each other. When TransUnion finally finished their dispute resolution, all they thought was that I have one credit union card, when I have proof that they know of both cards. 

I have a XXXX XXXX credit card with a credit limit of {$250.00}. I mention this because I have included screen captures from TransUnion 's website, showing my available credit at various times.To show that TransUnion knows that I have two credit union credit cards.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration to follow up regarding the presence of fraudulent items on my account, despite my previous attempts to address this issue. This letter serves as my second formal complaint regarding the matter.

Despite my previous correspondence and efforts to rectify this situation, the fraudulent items remain unresolved. I have taken all necessary steps outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation.

I urge you to escalate this issue internally and allocate the necessary resources to conduct a thorough investigation into these fraudulent activities. Additionally, I request regular updates on the progress of resolving this issue and expect transparency regarding any findings or resolutions reached.

Failure to address this matter promptly and effectively will leave me with no choice but to explore alternative courses of action, including seeking assistance from relevant consumer protection agencies and legal counsel. With this, I am asking for your assisstance to remove these fraud items in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX 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 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 Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had multiple miscommunications with the phone staff at Comenity Bank. After being directed to XXXX XXXX site from Comenity I was finally able to set up payment and was told it was set up on automatic payment after calling in on the next statement to find out why a payment wasnt being processed. At that time, I was buying a house and the lender made paying off the line of credit a condition of the loan file closing so we ordered pay off information and the amount given was a just under {$5.00} short of the actual balance. Without knowing it, I began incurring late fees and I had multiple calls where I asked for more information ( the payment collectors had none and the customer service reps couldnt explain what happened- at one point getting two different amounts from two different people in the same call. ) All of these calls left with unresolved problems until my time ( usually over an hour ) ran out and I had move on and start over the next time I had a signficant amount of time to call. At this point, my promotional period expired. This incorrect pay off amount had left a final bill of {$560.00} by the time I was able to sit down and insist on answers and an explanation of what happened. Multiple miscommunications are clearly documented in the call logs and the financials clearly indicate an attempt to pay this off and settle it multiple times. At no point, did I not have the money to pay for this but I wanted to know what I was being charged and why. The company also said on multiple calls " Technically our phone staff doesn't have to provide all the correct information because we mail you your statement which outlines it all '' They need to provide better payment systems, clearer information, and better trained staff. These payment collectors and call center reps know exactly how to listen, brush off, pass off, and confuse a person looking for answers until the person is so exhausted they just pay. 

It is my firm belief that my records illustrate a clear intent by this company to have complicated payment systems and poor communication in order to delay their no interest promotions outside their payment period so that they can recoup the 29.99 % interest. 

This issue has effected my finances greatly as I leverage my credit heavily for my business and my personal investments. I have reached out to Comenity Bank and XXXX XXXX  on every survey available and every customer service department.
Product: Mortgage

Guaranteed Rate mortgage has three month in a row said they did not get my payment on time. The first time XXXX was resolved quickly. XXXX check was cashed but them they said it was not received. I sent them a copy of the cashier check ( at my cost ) but it is still not cleared. I paid the next payment by US mail and they say they did not get it and I am in default. I am being charger late fees and I believe they are trying to put me in default because I put XXXX down on the house and that would be profit if they default my loan. This company has been difficulty from the start of the loan process and I am concern this is a standard business practice for them. I have spent 25 hour trying to resolve this between my credit union and call to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each bureau is reporting inaccurate information on my report. FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. 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. They are not abiding by these rules. I have seen multiple errors on my report that has not been corrected. so they must be deleted.
Product: Credit reporting or other personal consumer reports

I wrote formal letters to dispute the accuracy of the information being reported regarding my Home Depot/Citibank account , partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX  case number XXXX, in federal court. The XXXX  trustee notified all creditors, including XXXX XXXX XXXX XXXX the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX Depot/Citibank continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting agenciesXXXX XXXX XXXX XXXX The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but Home Depot/Citibank 's reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that Home Depot/Citibank review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.
Product: Credit card or prepaid card

Billing statement was returned to Synchrony bank for no reason caused by me. I had always paid bill on time at Lowes in person. Synchrony stopped use of card due to lack of payment. Ispoke to representative and asked for another statement to be sent to my same address. I called them upon receipt and gave my bank information to have direct payment made. The rep for Synchrony said payment went through and was credited the amount of XXXX which was balance as of XXXX. The following month a received a statement for {$42.00} which I paid. Then i received a notice that my bank did not pay the XXXX. I called Synchrony and they said I only owed the XXXX. On XX/XX/XXXX I opened a correspondence stating that they had issued a credit to my account for the amount not paid supposedly. I went into local Lowes and was told I owed nothing per their records. They are not linked to Synchrony so they have no cross check to see what is on a card. On XX/XX/XXXX another correspondence from Synchrony stating that the XXXX cancelled check was never cashed by Synchrony so that is why it was not posted to my account... I went to XXXX which is my bank and got all information regarding my account and no where does it show Synchrony requesting these funds. Sychrony has reported this to credit bureaus which is bogus after all I've done to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. XXXX XXXX account number XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I noticed the presence of an adverse account on my credit report that I viewed from my banking application. According to the account, I owed {$160.00} to XXXX XXXX XXXX, a company I had never heard of before. I knew that I did not owe any money to any agency, so I went to dispute the account. My banking application directed me to TransUnion to perform the dispute, but the account was strangely not listed at all on TransUnion. I then noticed that the account originated on XXXX and began a dispute on their website. The charge was verified as incorrect and removed from my credit report within a few days time. I had thought that was the end of it until it remained on my credit report on my banking application, though the account was STILL not appearing on TransUnion, so I had no way to remove it. 

Finally, on XX/XX/XXXX of XXXX I was able to see this account on my TransUnion report so I could dispute the account. I did so and I received the results of this dispute on the XXXX of XXXX, XXXX only to find that somehow they claimed that the account was correct. 

I am absolutely certain that I owe no money to this company. The only debt that I currently have is my student loans, which I am in the process of paying back, and whatever bill I have for my credit card this month, which I pay in full and on time each month and have never missed a payment. I have never owed any other money to any company and I do not know how this company even received my information. I have seen online that many other people have had this exact same issue with XXXX XXXX XXXX claiming they owe money out of the blue, so I know that this is not an isolated incident to just myself. TransUnion has said that the company is somehow linked to cable/XXXX XXXX and I do not pay or subscribe to any sort of cable service. 

I would like this account removed from my credit report so I can put this issue behind and not have to worry about the long term consequences of having an adverse account on my credit history, especially when I do not even owe this money. As of right now, TransUnion is the ONLY credit reporting agency of the three largest ( The other two being XXXX and XXXX ) that still insist I owe this fee. That should be indication enough prove that this is a false claim.
Product: Checking or savings account

The company I had my checking account with was Chase Bank. An issue came up with my checking account with it being in the negative and fraudulent transactions. I tried calling them immediately when I found out. I was told to wait a few days and call again. A few days went by and I called again to hear that Chase had ended their relationship with me, in other words, closed my account. I had asked a lot of questions to why my account was closed and they wasnt saying much for the reason why. I told them that I havent had anything to do with whatever the issues are besides the overdraft fees here and there ( but it was taken care of within days ). So I am still asking questions differently so I can get an answer but it didnt work. I did ask since they closed my account, can I get the remaining money that was there or the money that I lost with the suspicious transactions, they said that they will return my money eventually. I need my money now because my bills are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving XXXX since XXXX, I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my XXXX XXXX the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local XXXX... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...
Product: Debt collection

XXXX XXXX {$3500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).