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

XXXX has not reported to XXXX and XXXX since XX/XX/2022 and XXXX on XX/XX/2022. I contacted the company this morning and spoke to the representative XXXX XXXX XXXX who stated they had a glitch in XXXX and turned off the reporting for all of their customers. As I explained to her, I could understand 30 days to fix a glitch but not four months on non reporting. She stated she was submitting the request so they can in turn report again. If I had not called and asked after reviewing my reports this would have been ongoing.
Product: Credit card or prepaid card

I have sent dispute letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX  about this navy Federal credit card account that on my credit profile in the amount of XXXX dollars.
Product: Debt collection

In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. Covid hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus.
Product: Debt collection

on today XX/XX/2021 i received a call from a unknown caller who was a man who called and said he is with alliance group and addressed me by my first name and read off the last 4 of my social and he asked me to confirm my last four of my social security. I was less reluctant due to possible scam and was trying to explain to him that I didn't know him and he proceeded to tell me he didn't know me either is why he needed to confirm my last four of my social. Then why would you read my last four if you are needing confirmation that it was me?? anyone could have answer and you gave out my last four of my social. I reiterated I didn't feel comfortable and he proceeded to speak over me and I asked him not to talk over me. his tone escalated and he continued to talk over me and disconnected the call he gave me no other options for me to feel comfortable in confirming my identity. I called back the number that called me and a young lady answered I expressed my concerns to her and asked that the man I was speaking with not be a point of contact and asked to speak with a manager to address his behavior. I spoke to the manager who carried his call the same way and said the way the young man responded to me was the way they do business XXXX the manager at alliance group failed to address my concern and began to talk over me as well after i explained to him i work with people on a daily as a profession and it is not how you handle clients. I asked for a manager over him and his rebuttal was it was none of my business when i asked to speak with someone higher then him. he was only willing to give me the business name.
Product: Debt collection

o/a XX/XX/2022 I contacted Synchrony Bank about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Ca o/a XX/XX/2022. I received a letter from that firm o/a XX/XX/2022 indicating that they are trying to collect a debit from synchrony bank. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.
Product: Credit reporting

Equifax refuses to address the issue of double-reporting of issues on my credit record
Product: Checking or savings account

I have made many calls to USBank trying to see why they blocked access to my account. USBank teller I spoke with XXXX XXXX I asked to speak to the branch Manager she refused to speak to me is what XXXX XXXX explained to me. I called the USBank number and no response they told me I needed to go to the branch and walk in. Every effort I was unsuccessful. So I looked up the Corp name to contact. 

Dear XXXX XXXX, XX/XX/2023 I was a client of your US bank for the past four months and held a checking account in your branch on XXXX XXXX XXXX. My understanding was blocked access on XX/XX/2023 I was told that the account had illegal activity. I had sent money ( XXXX. ) through XXXX to my bank account with XXXX XXXX to pay my bills. I went inside the bank and spoke to XXXX XXXX ; she made calls and told me that I had cashed a check that came back returned. I explained I deposited cash, not a check. Due to incorrect information, I inquired with your branch, and they just gave me the runaround. 
I am sad to say that despite making calls to your branch and the customer-care toll-free numbers, there has been no delivery of my money. They closed my account on XX/XX/2023. I received my letter that they would send my money in a cashier 's check and update me. To this day, I haven't got an explanation as to why. I'm a XXXX individual. I care for a family member with XXXX XXXX. I live off XXXX. My electric bill wasn't paid, and my service would be cut off. I'm at the point where I'm going to file a complaint with FDIC & have the local news look into getting an answer for me. I have been mistreated, and I don't deserve this treatment. I want my money back. The account details are as follows : I request you to look into my case and help me receive my money at the earliest and oblige. 

Thanking You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was crystal clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I established a store credit card with Comenity /NY & CO.  Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX XXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America XXXX After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Product: Debt collection

I never received a final bill from my electric provider, XXXX XXXX ( XXXX ), because I was set up for e-billing. I found the bill in my Spam folder in XXXX and immediately paid the bill. That payment was for {$370.00} and was paid directly to XXXX on XX/XX/XXXX. On XXXX, I received a notification from a credit monitoring service that I had a collection notice on my credit report from Torres. I disputed the negative credit report item with XXXX, but the dispute ended in favor of the collection agent. I contacted XXXX on XX/XX/XXXX and they let me know the original amount that was due had been paid on XX/XX/XXXX ( as mentioned above ), and notification had been sent to Torres 3 weeks earlier. XXXX did note there was approx {$15.00} in late fees still due on the account, so I paid those over the phone with XXXX. They stated the account was paid in full, and provided me with a payment confirmation # XXXX. I again disputed the collection noted on my credit report with XXXX. I provided the information I've included here. The dispute was again denied and the collection note still remains on my account as if I still actively owe this 3rd party credit collection agency {$380.00}. I do not, as explained above, according to XXXX. Because today is XXXX, I can not reach XXXX to request they send an updated statement for my closed account stating it is paid in full. Torres has the ability to verify this information, they are choosing not to and trying to collect the same funds twice.
Product: Debt collection

I disputed the collection account with Credence Resource Management on XX/XX/2023 through XXXX website. I stated, I had no knowledge of the account, in which I received no communication from the debt collector before adding it to my credit report. XXXX has given the debt collector my address which I did not consent to. I will be filing a complaint with the Federal Trade Commission. 

Credence did not notify me by mail that they were placing a collection on my credit report nor did they give me the right to dispute or provide Validation. I know this because they did not have my address.They are in violation of The Fair Debt Collection Practices. This is also my second time going through this with XXXX. They have not been able to send me anything that proves I owe this debt. ( See attached CFPB report ). Until Credence can prove this account is mine, with a signature from me on a contract, the account needs to be removed Immediately or I will file a complaint on them also.
Product: Debt collection

Every single day I receive multiple phone calls from Portfolio Recovery. This is causing me much XXXX  I have missed several very important phone calls because I have to keep my phone on silent due to the excessive amount of phone calls each day. Including weekends and after 9pm.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is Capital One in the amount of {$550.00}, and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 


I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Unauthorized hard inquiries where put on my Transunion credit report from an incident of Identity theft. I did have some closed and open accounts with some of the institutions listed below, however the new inquiries where not initiated by me. The list below shows name of institutions, as well as dates of occurrences. 

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
Product: Credit reporting or other personal consumer reports

I have tried relentlessly to contact Experian. I have a previous complaint number : XXXX. You have the complaint on file. Experian did attempt to contact me on XX/XX/year> at XXXXXXXX XXXX. I was on the mower at the time. They want to call on their time and if the call is missed, they simply say they attempted with no response. Aside from that, my phone indicated it was possible spam which means I wouldnt have answered it anyway. The caller, XXXX, said they would try again later. I waited all that day and all the following day with my phone by my side not wanting to miss another call. I attempted to return the call from the number XXXX called from and it sent me directly to the same AI that will not transfer me to a live person. XXXX wouldnt even provide a real return call-back number. I have not heard from Experian since. This company is EVIL. I have at least XXXX attempts to create an account and numerous failed attempts to call. Experian has put me at serious financial risk and they DO NOT CARE. 
My next action will be the XXXX XXXX XXXX then my Senator, then a note to the Governor, then Legal Action. If I have to hire an attorney, there will be no turning back after that.
Product: Checking or savings account

In XXXX of 2023 I discovered that a checking account was fraudulently issued to me by Bank Of America. I am not nor have a ever been a BOA customer.
Product: Debt collection

Well it all started we i ask gla to send me a copy of a lease that i sign.I spoke to XXXX and he said i had thirty days to respond to the letter that they send to my job, which i did I also told him the only way that they could have gotten my home address is by speaking to me, because the letter that was sent to me was sent to my place of employment. They still refuse to send me any document that i have requested. XXXX XXXX also told me that they have already contacted my employer and that the money will be deducted out my check which i told him to do what he needed to do.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, For the past 90-120 days I have tried to work with American Honda Finance regarding a 1x30 day late in XX/XX/2021 they are reporting to my credit profile. 

I was never late as the account was setup on autopay. I have submitted two letters conveying what occurred and American Honda Finance has not responded to either letter.

The customer service call department refuses to talk about my issue and continues to promote that my dispute/demand must be put in writing. 

Please help me get this error corrected.
Product: Debt collection

We lived in an apartment in XXXX  XXXX named " XXXX XXXX XXXX '', for 2 years, from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, they stated we would be liable for repairs in the apartment, which we disagreed with. There was a small paint stain in the carpet a single bedroom, and they stated they would be replacing the carpet in the ENTIRE apartment as a result, which resulted in a charge of XXXX, which they informed me of over the phone after we had moved out. We told them we did not agree with this, that they were trying to basically scam us into paying for renovations on the apartment that were not our responsibility. 

After that single phone call, we received no further phone calls or letters in the mail for 3 YEARS. No attempt to collect the {$1600.00} was EVER made. Now, in XX/XX/XXXX we noticed on our credit report we had been sent to collection for the {$1600.00}, collections agency " RENTDEBT AUTOMATED COL ''. We have attempted to dispute this with the both the collections agency, who states that we are the ones that must provide proof we are not liable, but there is no proof we can provide. We are being charged for something that is not our responsibility. Further more, the statute of limitations in Idaho for property damage is 3 years. 

To reiterate everything : We lived in this apartment 3 years and 4 months ago, and no attempt to collect this was EVER made aside from a single phone call from the apartment complex, and it was sent to collections in XX/XX/XXXX, a few month after the statute of limitations for property damage in Idaho, which is 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2019
Product: Student loan

ESCI Heartland, my student loan creditor has posted to all XXXX credit bureaus that I was 30 days past due, and that is not the case. I have all of my payment receipts, even their website shows all of the payments I have made. Their firm has misapplied the payment, and this is not something that I should be penalized for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid credit repair agencies for years and have contacted XXXX XXXX and equifax myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.
Product: Money transfer, virtual currency, or money service

HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested on XXXX. ( see attach ). A call was made on XXXX to their Customer Relations number XXXX inquiring status, but call was never returned. 

I don't need any assistance from XXXX XXXX XXXX at this time, for the funds remain with HSBC, so the assistance I need is from HSBC.
Product: Credit card

Discover card closed my account, refused to take payments from me, transferred the account to a collection agency alleging that a credit consolidator had approached them regarding my account, and finally reported the account as delinquent to credit reporting bureaus. 
I have never used a credit consolidator, and have not asked anyone else to contact Discover card on my behalf. 
After approx. 6 months Discover identified the name the credit consolidator they allege is representing me. I called the credit consolidator, who confirmed that they have never heard of me, have never represented me, and have never contacted Discover on my behalf. 
False negative reports by Discover have seriously damaged my credit rating, to the point that I was no longer able to secure a pre-approved mortgage.