23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchased security equipment through XXXX and was told I could finance through them, with a company called Fortiva. I received a 60 month no interest agreement with set payments of {$66.00} a month on {$4000.00}, however my contract states the purchase was {$3300.00}. I woke up to find this was placed on my credit report as a revolving line of credit with a balance of {$4000.00} and line of credit of {$4000.00}. This dropped my credit score 90 points as I have daily monitoring. When I spoke to the company they told me there was nothing they could do in regards to increasing the limit so it wouldnt show up as maxed to the limit and that they can only provide credit up to the amount of the equipment purchase and you can only purchase with XXXX.I was never made aware this would appear on my credit report, it was sold to me as I would be financing the equipment through my alarm company. Almost like financing a new XXXX through your cellular telephone company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify a blemish on my credit report for over one year. XXXX XXXX XXXX has re-aged an account and it is causing my credit score to be significantly lower than it should be. I have contacted all three credit reporting agencies and all except Transunion have agreed to remove the erroneous information. I have submitted information proving that they have incorrect information. My request have been ignored and they are stating that all accounts have been verified as correct.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. 
( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. 
( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. 
( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries and have no connection with the creditors listed.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Sometime in 2016, I was contacted by a collection company via telephone regarding the debt. I explained that I had a disputed account by their client, and that I needed validation of this debt. I provided a current address, and requested that the documentation be sent to me so that I could verify the alleged debt and handle a dispute accordingly, if necessary. I requested not to be contacted by phone because it was during work and inconvenient. I never received verification documents or correspondence regarding my dispute. However, Portfolio Recovery Associates, LLC is now reporting 'Dispute resolved-consumer disagrees '. I did not know any investigation had been conducted because I was never sent the verification of debt I requested. No letter advising me of any results of my dispute was sent to the address I provided nor to a current address on my credit bureau reports. I have never received any verification or dispute documents regarding this account, yet Portfolio Recovery continues to pursue me for this unverified/disputed debt and reports that a was dispute resolved. My right to verify and/or dispute this debt according to federal laws has been compromised.
Product: Prepaid card

NETSPEND CLAIM # XXXX AND ACCOUNT NUMBER # XXXX THEIR LETTER DATED XX/XX/2015 C/0 THEIR FIRST LETTERXX/XX/2015
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( XX/XX/2021 ) I applied for this card and was approved. The card was sent to me pre-activated but I never received it in the mail. XXXX tried to send me the card three more times, and still never got the card. Every month they kept on adding late fees and other administrative fees on top. Called them on numerous occasions to informed them that I never received a physical card nor statements. All calls went unanswered. The account eventually charged off and card was being reported incorrectly on my credit report. I disputed this on numerous accessions and neither of the credit bureaus ( all three ) removed files off my credit report. They all said that this adverse account is accurate and verified. Which is all lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. 
Creditor : XXXX XXXX XXXX XXXX XXXX Amount XXXX Date Opened XX/XX/XXXX Creditor : XXXXXXXX XXXX  : Account XXXX Amount XXXX Date Open XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Amount XXXX Date Open XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX
Product: Checking or savings account

ATM machine out of service when I need to deposit cash to cover my auto-withdrawal causing overdrafts
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) 5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all linked accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received a couple calls from XXXX " Kirkland asset management '' stating that I defaulted on a payday loan through XXXX web loan. And if I dint call to resolve it they would seek other action. When you call the number they just answer " hello '' not a professional business type of greeting I would think you would get. After I told them I believed it was a scam they got rude with me a sent a letter " verifying '' my debt to my email when I said I had the right to receieve proof of debt owed. But when I called XXXX web loan they said it had been sold off to XXXX XXXX XXXX who when I called answered the same way hello and when I asked questions they were stumbling to give me a response. I do n't believe I have ever even taken a loan from them. I may have attempted to get a loan from XXXX web loan but when I was either denied or not offered the amount I needed I did n't follow through with the final stages of it
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion all are reporting unauthorized inquiries on my credit report. I did not authorize these companies to put an inquiry on my report and I do not know how these companies got my information. I need these inquiries removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After a careful examination of my recent credit report, I've identified a number of accounts that appear to be fraudulent and were added without my awareness.
Product: Debt collection

date : XX/XX/2018 amounts : {$3900.00} violation : section 603e, section 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 1 ) ( c ) Title 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( I ) Title 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( II ) there are 3 people on this collection but the entire amount is showing on my credit report so it is therefore on others credit report. meaning the amount owed is XXXX on 3 report. this furnisher does not have a written signature of me agreeing to this collection. 
section 609 ( c ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt being reported on my credit report and instructed XXXX that I am not familiar with the debt, the company reporting the debt ( PYOD LLC. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either XXXX, PYOD LLC. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of XXXX to maintain only 100 % accurate information within my Credit Reporting File.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( 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 XXXX, 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 Transunion 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 XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

The amount owed was XXXX. I dont know why but it is now up to XXXX. Every time I try to dispute it they add money. I have told them they are violating the hippa law. Ive complained to XXXX several times about this issue and they removed it one time but put it back on my credit after a few days. The account is Capital Accounts I have no ideal why they keep increasing this debt.
Product: Student loan

Today The Biden Administration decided to discharge loans for students " who enrolled at any XXXX XXXX campus on or after XXXX XXXX, XXXX, through XXXX XXXX, XXXX '' I enrolled XX/XX/XXXX ( at the start of the term ), and suffered the same predatory lending and manipulation from the XXXX XXXX. I deserve to have these loans discharged just as much as someone who enrolled 3 months later ( in the middle of a term ).
Product: Checking or savings account

I received a receipt online from XXXX saying that my order will be delivered the next XXXX  for a XXXX XXXX for the amount of XXXX and went on explaining to him that I never purchased a phone and he went on to say I have XXXX or XXXX different accounts open like XXXX XXXX, which they shut down my account for suspicious activity, an open chase account with missing money, XXXX account which is missing money as well and a XXXX  of other XXXX I have no idea how this happened but it's destroying my life i will be in contact with a lawyer for breach of contract please help
Product: Money transfer, virtual currency, or money service

I went to a sushi restaurant and was give food I had an allergic reaction to. I asked both the company and cash app for the refund and the company has tried to give but cash app refuses to do the refund. I properly followed their rules and they wont give me any info. Picture uploaded is from when they told me they would send the info and never did.
Product: Money transfer, virtual currency, or money service

Two of my transfers from my XXXX XXXX to Binance.US show up as less than the amount transferred. I have chatted with them multiple times. XXXX person said its a charge to deposit and so that was the end of that chat after arguing with them, the next chat box was supposedly closed so they cancelled the investigation into their error. I entered another chat yesterday and was again promised an answer within XXXX hours. I was transferred multiple times to different agents. My account is under the email XXXX XXXX ) I deposited {$250.00} on XX/XX/21 and they only shows a credit of {$220.00} ( shorted {$22.00} )!! 
XXXX ) I made a {$100.00} deposit on XX/XX/21 and they only shows a credit of {$91.00} ( shorted {$9.00} ). 

I found these discrepancies after entering all the transactions into a financial program XXXX.
Product: Mortgage

My mortgage company New Rez claimed I had an escrow shortage, and that my monthly payment would be increasing. They claimed my escrow was short by over {$9000.00}. I called the XXXX XXXX  XXXX to confirm this. Apparently there had been an escrow shortage of {$110.00}, however instead of paying that amount, XXXX ( on behalf of NewRez ) sent the XXXX XXXX  XXXX a check for {$9200.00}. Because the escrow shortage was only {$110.00}, the XXXX XXXX  XXXX sent a check BACK ( check number was XXXX ) for the overpayment amount of {$9100.00} in XXXX of XXXX. However, it seems this check was never credited to my escrow, which is now showing a shortage of that amount. I opened a complaint with them in XXXX of XXXX to investigate and see what happened to the check that was issued. I have spoken to someone every month at NewRez ( most recently started keeping notes since there has been no resolution- XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ), and still have not gotten an answer related to when this check will be applied to my account. They told me they were going to reach back out to the XXXX XXXX  XXXX to reissue the check, however I have not seen the results of that action, as I am still paying a higher monthly payment on my mortgage due to the fact they have misplaced the check.
Product: Debt collection

When I was first notified of this fraudulent debt years ago, I notified the original collection company that my account had a fraud alert on the account and that I did not believe this was my account. The original debtor cancelled the debt years ago and sent the IRS documentation indicating the debt was forgiven and that I was to be taxably responsible for the forgiveness. I am now being harassed by a collection agency which has, I 'm guessing, purchased the account even though its already been written off and I 've already been held accountable for the tax forgiveness. My understanding is the original company was compensated by the government for the debt and therefore there is no debt to collect, Not to mention no one had ever provided me with any original wet signed documents indicating I was the original signor, which i asked for from the original creditor for years. 

I sent numerous emails and mailing to the original creditor which were never responded to within the 30 day timeframe and there were in violation of my consumer rights back then and now I am being harassed for a debt already forgiven.
Product: Debt collection

I have contacted LendMark Financial directly as well as the 3 credit bureau 's. I  have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
Product: Checking or savings account

Last fall, I opened a Savings Account with Capital One, and on XX/XX/XXXX I deposited {$100000.00} of new money. I made an additional deposit on XX/XX/XXXX. On XX/XX/XXXX, I withdrew the {$100000.00}. 

Under the terms of their fall bonus promotion, I should be eligible for the 1 % on the {$100000.00}. They claim I withdrew the money too early. The term Initial Funding Period is not clearly defined as being a condition of the fall bonus but simply that the deposit has to be within that Period. The Deposit Amount was clearly maintained for 90 days : {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 daysXXXX XXXX XXXX XXXXXXXX I kindly ask your assistance with this issue. I reached out to the Bank XXXX as well as the XXXX XXXX XXXX but was of no help. I am sure many other consumers were also conned by them. 

Thank you very much!! 

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

Attempt # 1 : Disputed through Consumer Reporting Agencies Attempt # 2 : On XX/XX/22 I sent a Cease and Desist Letter via US Certified Mail to Consumer Portfolio Services outlining the following requests : Below are some of the violations reported : The illegal acceptance of the down payment amount of {$3000.00} ( 18 USC 1662b ) Fraudulently reporting 20 late payments to credit bureaus ( 15 USC 1681a ) Listing paid by insurance to consumers which is deceiving and falsified information ( 15 USC 1681a ) Privacy Violation in reporting to any and all credit reporting agencies without my written and expressed consent.
Product: Credit reporting or other personal consumer reports

I am writing to express the profound impact that recent events have had on my life, stemming from inaccuracies in my credit reports held by XXXX, Equifax, and XXXX. U

nder the protections granted to me by the FCRA and FDCPA, I submitted a notarized affidavit to each agency to rectify these errors and uphold my rights to privacy and fair treatment under the law ( 15 USC 1681s-2, 15 USC 1692c , 15 USC 1681c ( a ) ( 2 ) ( B ), 15 USC 1681e ( B ) ). Regrettably, despite my efforts, I have yet to receive any resolution or acknowledgment of my disputes. This lack of response has not only deprived me of my legal rights but has also caused significant distress. When attempting to follow up on my submissions, I have been disconnected and faced persistent issues accessing my accounts, exacerbating an already challenging situation. The repercussions have extended beyond mere inconvenience ; they have impacted me financially and emotionally. The uncertainty surrounding my creditworthiness has caused undue stress and mental anguish, affecting both my personal and professional life. I am reaching out in earnest hope of receiving the necessary assistance to address these matters promptly. It is my earnest desire to be treated fairly and equally under the law, to be provided with the remedies I am entitled to, and to rectify this situation without further delay. I kindly request immediate attention to this urgent matter and look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing the incorrect information online in XXXX after I got letters online stating the addresses were removed but when I go back to the website the address are not removed
Product: Credit reporting or other personal consumer reports

FINAL NOTICE : Method of verification requested. CFPB Complaint # XXXX. Please provide the documentary evidence on ALL methods used to verify account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FTC Identity theft report is not for verification but notification. Provide documentary evidence of method of verification. I am entitled to my privacy under Federal law. Further breaches in privacy will result in arbitration.
Product: Student loan

Navient is in violation of the CARES ACT, which prohibits attempts to collect defaulted student loans. The attached photo shows the date of the letter from Navient. 

On XX/XX/2020, I spoke to a Navient representative and asked that all contact and correspondence cease and desist, according to the law under the CARES ACT.