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

On XXXX XXXX a payment for {$110.00} Was made to company of Conn Appliances , Inc. which is on time. On XX/XX/2020 a second payment was made of {$99.00} which was a early payment to close out the account entirely. 
Conn Appliances , Inc. Incorrect reported to my credit that my XXXX payment was passed due and that the account was still open. 

Ive tried to dispute the problems with the credit bureau but the only result was the change in account status from, from open to close. I tried a second time and still no success in the removal of the pass due payment. 

Ive fought and fought with Conn Appliances , Inc. over and over to correct the problem but no results. Ive sent demanding letters and have recordings and emails of them owning up to the mistakes made. Ive also have confirmation number to support my payments.
Product: Debt collection

XXXX has sold a debt of {$770.00} to SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX The debt or bill is not accurate. 
I have reached out to XXXX for a breakdown of the debt or bill but they said they don't have the breakdown in their system. I disputed it on my credit report, it was removed and they have put it back again. 
I went to one of their branches and also called their customer service line for the breakdown of the bill but as I said they told me they don't have the breakdown. How can I own you if you don't know what the bill entails? 
I want XXXX to desist from selling this debt or bill to these collecting agencies if they can't provide me with details of the bill. Also I want it removed from my credit report.
Product: Debt collection

Medical Business Bureau - XXXX XXXX XXXX XXXX XXXX  - Missed call from XXXXXXXXXXXX XXXX  XXXX XXXX XXXXXXXX  - Missed call from XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Missed call from XXXX XXXX XXXX  XXXX XXXX  - I called XXXX to find out the reason for the calls. - Person explained this was a debt collection. I demanded a paper statement naming the original debtor and itemized list of charges. I was hung up on. At no point was my mailing address asked for. 

I have not received any paper statement explaining my rights, the amount of the debt, who the debtor was, etc. Nothing.
Product: Credit reporting or other personal consumer reports

In XX/XX/2020, a collection account was opened with Financial Credit Network regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account was fully paid and marked as " Closed '' as of XX/XX/2020. Despite the debt being paid in full and the account being closed, Financial Credit Network continues to report this account on my credit report, which is unfairly damaging my credit score.

I have disputed this account multiple times, yet it remains on my credit file, even though I have no further obligations regarding this debt. I have never had a direct contract with Financial Credit Network, and the continued reporting of this paid and closed account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am requesting that this account be immediately removed from my credit report. If this issue is not resolved promptly, I will be forced to take legal action to protect my rights and hold the parties responsible for the ongoing inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX and they advised they had a breach and my information was exposed and the check my credit report. When I checked it I saw southern management listed but I had never worked with them or the reported company they claim I owe. They changed the name of the creditor saying it was The suites apartments and then Centre suites II/ assist living which I have never rented or applied anywhere with this name. I currently live in an apartment and have been since XX/XX/year> I have a year lease I am actively paying on each month. I filed disputes with the credit bureaus and they keep denying my disputes based off the companies word. I attempted to upload documentation to their websites but they keep saying my files are too big which I can not change the sizing of it. I filed an FTC report due to their negligence to thoroughly investigate. When I reached out to southern to report fraud to them they just took my number and told me they would have an agent call me and they never did and they still keep reporting this balance of {$1500.00} and will not properly resolve the issue. I had been getting spam calls from them previously and I did not interact with them at that time. I only reached out when it was brought to my attention via XXXX XXXX breach and my credit report review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had an account with Credit Acceptance. I paid off the loan in full in the amount of around {$3000.00} back in XXXX of XXXX regards to a settlement offer. They are still reporting me as over 180 days plus late on my credit. I need this inaccurate information removed from all 3 credit bureaus. I have receipts showing that this account has been paid in full.
Product: Bank account or service

I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.
Product: Debt collection

I am getting repeated phone calls on my cell phone for debt that is a relatives debt and not my own. I have repeatedly told them that they have the wrong # and I do not speak to this relative but they continue to call
Product: Checking or savings account

I've a XXXX account with Trade Station, where I had XXXX XXXX stocks. I was never informed that the account has inactivity fee or there is an inactivity fee coming up or due on my account, even though they had my email address and phone number in my account. They charged the first inactivity fee on XX/XX/XXXX and as a result, my account balance went XXXX  Subsequently to recover the XXXX amount, they sold XXXX of my XXXXXXXX XXXX on XX/XX/XXXX and charged me XXXX commission for this! All of these had been done without notifying me, although as mentioned before, they had my email address and phone number. 

They charged the XXXX inactivity fee on XX/XX/XXXX and as a result, my account balance went XXXX  again. Subsequently, they sold another XXXX XXXX to recover the XXXX amount on XX/XX/XXXX and charged me another XXXX commission for this. Again, I was never notified via email or phone of this activity. 

Following are the complaints : 1. Inactivity fee were charged without notifying me and there was never an attempt made to inform me XXXX XXXX XXXX XXXX XXXX} ) 2. Forced sold my position with out my permission 3. Charged an enormous fee as commission ( XXXX $ XXXXXXXX XXXX XXXX On top of that I lost money as my stocks were sold during a time when the price was low. Estimated loss to be around XXXX 

I spoke to them on XX/XX/XXXX about this and requested them to reverse these fees XXXX XXXX XXXX XXXX XXXX. Then checked on the status on XX/XX/XXXX and I was told the request has been denied! 

XXXX XXXX is doing a disservice to their customers and doing unauthorized activities to steal customer money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of such inaccurate information has caused server damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 15 U.S. Code 1681s-S - responsibilities of furnishers of information to consumer reporting agencies. You are prohibited by law to furnish inaccurate information. I demand you to CEASE & DESIST the reporting of incorrect/inaccurate information immediately.
Product: Money transfer, virtual currency, or money service

Zelle has failed to implement proper safeguards. Also failed to Investigate my complaint about scammers accessing my account and sending unauthorized transactions to themselves, Zelle failed to reimburse for scam errors. I feel zelle has violated the Consumer Financial Protection Act ( CFPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has lied multiple times about this bankruptcy reported on my credit file. This time I caught them with proof of them lying and sent the proof asking them to delete they sent a letter back saying the item was updated its against the FCRA and should have been deleted not updated there proof and verification process was not done accordingly and was lied about being verified as the court does not verify public records which I have a letter from them stating. I want this deleted from my credit report immediately. I do not want to get a lawyer involved unless I absolutely have to. This is unfair that this is how they do business I want everything included in this bankruptcy deleted I will attach the letters and proof of what I sent them and what they sent me also on the response back they didnt verify the other accounts within 30 days that I disputed
Product: Credit reporting or other personal consumer reports

RE : Account number : XXXX The account above concerns me. This is notification that I formally dispute this claim and seek validation. Pursuant to local state laws as well as the XXXX and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 

Please note that I can seek remedy due to FCRA and XXXX violations if a negative entry is placed on my credit report with XXXX, XXXX and XXXX from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports.
Product: Student loan

I am filing a complaint and request for investigation of the student loan service I was given. I was given falsified information which has led to the student loan service requiring repayment with added interest. 
They provided bad information, illegally cheated me out of my rights of loan forgiveness, and deceived me about my rights. I was in my final 6 months of loan forgiveness due to XXXX when I received information saying my loan balance was XXXX. 

I contacted the ombudsman who told me my loan was showing XXXX balance and the income monitoring period was complete. When I asked for this in writing they said their system would not be updated for 6 weeks. I proceeded to attend 2 days of paid XXXX and 3 days of XXXX. Then after the six weeks I was told no. my monitoring period had not ended, they 'meant ', but did not say, that my loan showed XXXX as a temporary condition. I was deceived, lied to, manipulated so that now they are saying I must repay the entire {$50000.00} loan because my income exceeded the poverty level by those 5 days of work. You would be able to verify the falsified information from the loan service through phone recordings to my cell or home phone XX/XX/2015 to XX/XX/2015. 

Before the call from the ombudsman and Nelnet between XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX on XX/XX/2015. She made certain that my loan monitoring would not include any paycheck dated past XX/XX/2015. Now however, they are requiring the paycheck Dated XX/XX/XXXX. 

In each of these conversations I was given incorrect information which made it impossible for me to follow any guidelines for the discharge program. I am an educated, responsible, law-abiding student. I asked for guidance to meet all requirements foor my XXXX discharge, yet was intentionally given false information that resulted in extra interest accrueing, reduced credit score and a huge debt that was scheduled to be forgiven. 

The servicer should be held accountable. They should forgive the loan and make restitution for the countless hours I have battled on the telephone, sending emails and experiencing XXXX. 

Thank you for investigating this matter.
Product: Vehicle loan or lease

I had traded in my XXXX for the XXXX and paid an additional $ XXXX because I was up down to pay off the Chrysler loan. They are satisfied in full, but are refusing to remove themselves and close their loan on my credit. Also XXXX had a hard inquiry for a XXXX  XXXX  card, they told me it was a soft inquiry. I have spoken to them twice. They never even sent me the card. I called twice the first time they said cause I applied as XXXX ( my married name ) they saw XXXX and XXXX on my report and got confused, had me send in my Drivers license and a copy of marriage license. Then I call back they said they never sent it because my app expired, and I should reapply. But their initial hard inquiry is hurting me and it was only supposed to be a soft inquiry so thats very misleading. It needs to be removed please. They have not updated on their end and its hurting my credit. Please help
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/year> Consumer Portfolio Service XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards,
Product: Credit reporting or other personal consumer reports

My Information was sold and bought " illegally '' because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach, my Equifax Data Breach Settlement engagement number is XXXX. Equifax has done nothing to fix these issues. Please help me delete these illegal accounts, addresses, and names from my credit reports. There should only be one spelling of my name and no other variation. 
( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) Please delete the information below effective immediately. 

XXXX XXXX Account name : XXXX Account # XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed on my Experian Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to Experian in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on Experian web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and XXXX information are certainly not the same as Experian, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, Experian, XXXX, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.