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

This debt was settled through XXXX XXXX in a repayment program through XXXX XXXX. I have a letter outlining the payment arrangements which I met fully. The settlement letter states my account would be paid 'in full ' once those obligations were met. There are two separate accounts with this debt buyer that are settled through the program with XXXX XXXX. National Credit Adjusters is reporting balances on both accounts even though the accounts are settled and paid. One attempt was made to have National Credit Adjusters update the collection information/balance through a dispute with all three credit reporting agencies. National Credit Adjusters response was the balance is reported correctly. This is not true  because the debt is settled in full. The original creditor on the first account is XXXX XXXX XXXX. The balance reported to XXXX XXXX was {$6000.00}. Payments started on XX/XX/XXXX with the final payment on XX/XX/XXXX. The payments totaled {$2100.00}. National Credit Adjusters is reporting a balance of {$3900.00} and this is not the agreement. The original creditor for the second account was XXXX XXXX. The balance reported to XXXX XXXX was {$5100.00}. Payments started on XX/XX/XXXX and the final payment was on XX/XX/XXXX. National Credit Adjusters is reporting a balance of XXXX and this is not the agreement. Recently submitted another dispute with all credit reporting agencies ; however, feel my efforts will be exhausted. This incorrect reporting raises my debit owed by nearly {$710000.00}. This request is to have National Credit Adjusters report my account paid 'in full ' to XXXX , XXXX , and XXXX . Better yet, the debt should be removed from my credit report. I can prove that I was victimized by predatory lending. My credit is derogatory because the Payday Loan industry nearly bankrupted me.
Product: Credit reporting or other personal consumer reports

Trying to purchase a home I see two accounts reporting delinquent but I dont recognize either of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had ongoing issues with Equifax incorrectly reporting an auto loan account with XXXX XXXX XXXX XXXX XXXX. Initially they reported the account as closed when it was open, and subsequently when the account was paid in full in XX/XX/2020, they continue to report the account as open with a balance of {$6500.00}. They respond to disputes that they have " verified '' their inaccurate information. Complaints to the CFPB have been satisfactorily " resolved '' based on Equifax reporting false information.
Product: Debt collection

I have been reviewing my reports and I see a company named LVNV FUNDING LLC Reporting to my credit that I have no idea about. These are not my accounts
Product: Credit card or prepaid card

Amex raised my interest rate 4 % without any notice or explanation. Ironically I had paid off {$10000.00} in credit card debt the previous month including {$4000.00} to Amex, so I can only infer this is punishment for paying down my debt and an attempt to make up lost revenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.
Product: Credit reporting or other personal consumer reports

Hi. I am having a lot of issues getting Equifax to correct inaccuracies on my credit report. I have sent numerous letters to them providing every piece of information they asked for yet they continue to send what seems to be stall letters while never actually investigating and correcting or deleting the accounts. I am very frustrated because it is making it difficult for me to get approved for credit. I have also reached out to the creditors who are reporting misinformation and they too have not properly investigated and all show willful violation of the laws that govern them. I need this information removed from my report immediately. I previously filed a complain with the CFPB, BBB and FTC and will move forward with other agencies if this is not fixed immediately.
Product: Checking or savings account

I withdrew cash from my debit card which overdrew my account. Then, my monthly XXXX auto draft processed after that. It would be understandable to be charged 2 overdraft fees due to this, but I was charged 5 separate fees before my check was deposited! I called to attempt to have the excessive fees waived, they only agreed to credit one. The agent I spoke with was kind, but stated that's all she can do. She was unable to confirm how many fees I've been charged in the past 12 months. I believe that BB & T charges fees excessively, charging fees for transactions before the checking account is overdrawn. I never had this issue with XXXX XXXX, the bank that sold my account to BB & T, nor with any other bank I had accounts with. Please investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out im not legally divorced which was suppose to happed in XX/XX/XXXX. My husband at the time served me divorce papers personally. I was not properly repelresented by any of the lawyers that I hired. I found out XX/XX/XXXX that am still on a mortage at Wells Fargo. I went through idenity theft in XXXX or before where my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX, my emails, especially with XXXX were all hacked and had a hard time reporting to the police station here in XXXX XXXX. I dropped out and was on honers due to this. I attended XXXX and my finanical aid microst software was used for other students. I was getting their grades. I have all this proof of evidence. Now, I'm getting a bill from The Dept of Justice to return a pell grant after trying to show them this evidence. On my credit report, i do mot see any updated information of me. There are many diffetent social security numbers, addresses of my spouse, his mother. My name is in many formats and my deceased grandmother name is as a name for me. I see many of my hacked numbers, my spouse numbers and others I do not recognize. My jobs I work is input wrong in mamy ways. My XXXX XXXX has my old boss number on it and I i never placed it on it plus my old hacked number is on my profile. Also, i did not file a 1099 in XXXX as stated.I know I said a lot ; however, I have been dealing with this since XXXX and this is the first time filing a report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report from identity theft 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
Product: Credit reporting or other personal consumer reports

I am writing to remove the following reports from my account. My name is XXXX XXXX, and I am a victim of Identity Theft. The accounts listed below need to be removed from my profile as it is both inaccurate and time crucial. I reported the theft of my identity to the Federal Trade Commissions and also enclosed copies of the FTC Identity Theft Affidavit. At this time please understand that this matter is urgent and should be handled with extreme time sensitivity. I urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 

Account Name : XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$750.00} Account Name : XXXX  Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$770.00} Account Name : XXXX  Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$390.00} Account Name : XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$0.00} The following Inquiries are to be removed : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following Addresses are to be removed : XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.
Product: Credit card

A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with TransUnion customer service, the person I spoke with would not help me take care of the negative inquiries I was informing them about thats reporting on my credit report. Ive filed many complaints with the creditors, but nobody wanted to help me! The list of creditors are below.. 

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

Dear Cfpb ; I am filing a formal dispute against Experian, Equifax, and TransUnion for failing to conduct proper investigations and continuing to report inaccurate, unverifiable, and conflicting information on my credit report, despite multiple prior disputes. The credit bureaus have repeatedly verified inaccurate accounts using pre-printed template responses instead of conducting a legitimate reinvestigation, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Key Issues & Legal Violations Failure to Conduct Proper Investigations The CFPB has sued Experian XXXX XXXX XXXX XXXXXXXX ) and fined Equifax {$15.00} million for improper dispute handling, mirroring my experience. 
Unlawful Reinsertions Accounts that were previously removed have reappeared without notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Conflicting & Inconsistent Reporting The same accounts are reported differently across credit bureaus, violating 15 U.S.C. 1681e ( b ) ( maximum accuracy requirement ). 
Failure to Provide Verification of Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), unverifiable accounts must be deleted within 30 days. I have not received any valid documentation proving these debts are legitimate.

Missing IRS Form 1099-C for Charge-Offs Charged-off accounts must be reported to the IRS if canceled. No such forms were issued, casting doubt on the validity of these debts.
Product: Vehicle loan or lease

We purchased a used XXXX XXXXXXXX XXXX from Carvana ( VIN # XXXX ) on XXXX for {$16000.00}. We secured our own outside financing for the loan and made a {$1000.00} down payment to Carvana. Fifteen minutes after purchasing the car we had a mechanic inspect it and the entire undercarriage of the car was rusted and would likely fall apart within the next 1 to 2 years so we immediately returned the car on XXXX. Carvana says it can take 3 to 5 days for us to get our refund. Carvana cashed our {$1000.00} down payment check on XXXX. Carvana relisted the XXXX  XXXX XXXX on their website for sale on XXXX and there is a new purchase in progress for the car on XXXX from another consumer. As of now on XXXX Carvana still has not refunded our {$1000.00} down payment and they have not refunded the rest of the {$15000.00} loan to our bank ( XXXX XXXX XXXX XXXX ) so that they can close out the car loan. Why are businesses like Carvana able to turn around and sell a lemon vehicle to another unsuspecting consumer before they have refunded the previous consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 


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 agency can not furnish a account without my written instructions.
Product: Debt collection

Since sunday XX/XX/2023 commenity bank has called me XXXX times. Both from a blocked phone number and their actual phone number. It is absurd. They have violated regulation F, if memory serves me correct and are going against FDCPA guidelines. I understand i owe and i do plan on paying. At the moment it is a difficult situation we are working on getting out of. The calls arent necessary and excessive AND abusive. I feel harassed by them.
Product: Checking or savings account

Bank of America has opened fraudulent checking accounts in my name at least XXXX times over the past 14 months, despite my placing a security freeze through XXXX and freezing my credit through the three major credit reporting agencies. I have contacted BOA every time they open an account in my name and although it gets closed, the same thing happens all over again within a few months or even days. 

XX/XX/XXXX Received email that Bank of America opened a checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received letter from Bank of America in response to my reporting fraud requiring me to fax them the following information to prove that I did NOT open the # XXXX checking account : copy of my drivers license, copy of my Social Security card, copy of police reports, copies of documents received for the account in question, etc. I faxed them seven pages of documentation from XXXX of their branches to prove that I DIDNT open the account. Its clear that nothing near this level of documentation was required for anyone actually opened an account in my name. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received confirmation from XXXX that per my request a security freeze was placed on my consumer file. I had also reported this to the XXXX major credit bureaus. 

XX/XX/XXXX Received letter from Bank of America notifying me that the # XXXX account was being closed because they could not verify my identity. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account ( # XXXX ) in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed. 

XX/XX/XXXX Received email that Bank of America opened another checking account in my name without my knowledge. Called consumer hotline to have account closed.
Product: Vehicle loan or lease

I had an existing vehicle loan with schools first federal credit union when I purchased extended warranty from them for this vehicle. On XXXX XXXX I purchased the extended warranty platinum plan for XXXX miles for approx {$1200.00} which was added to the existing auto loan. In XX/XX/2023 the vehicle broke down. Upon reaching out regarding warranty an info email was sent to me. This email reflected incorrect start and expire mileage for the vehicle warranty. It was alarming because it appeared the warranty had expired based on mileage. I followed up and the company indicated that was the mileage reported by the bank at initiation of the contract. I would need to have the bank make the correction on their end. 
It seemed an easy fix. The bank confirmed correct mileage using car fax info and submitted the request only to discover i would have not been eligible to even purchase this plan because at the time the car mileage was above the cut off for the platinum plan. This is resulting in a {$500.00} increase to backdate and adjust to the gold plan which the warranty company agreed to. 
The gold plan is only covering about half the cost of repair -which I anticipated based on my purchase of the platinum plan that i would only be responsible for the deductible. With the comfort of my full warranty for XXXX miles i made the choice to keep this vehicle rather than trade it at which time the value of my car was very high. Now the value is lower and XXXX left with high rental car cost and {$2000.00} out-of-pocket repair. I feel the bank is responsible for this cost since I was unable to make informed decisions at XXXX XXXX of warranty purchase and subsequently since with regard to keeping the vehicle or not based on their error. The bank has denied request for reimbursement of out of pocket cost less the deductible. 
Thank you
Product: Credit reporting or other personal consumer reports

The collection company made no attempt to contact me to verify the account was mine and reported the account on my credit without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/22 CFPB COMPLAINT THIS SEVENTH AVENUE WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND XXXX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on on 2 separate occasions waited the 30 days and did not receive a reposonse at all. One account was removed from my file and placed back on without any type of notice. My rights have been been violated as per the Fair Credit Act
Product: Checking or savings account

Requested information from my HSA account for help in providing a voided check/deposit slip. I have never been provided with checks from this account, so I went to the website and I was live chatting with a person online from their support center, and would not provide me with assistance.