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

XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XX/XX/XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XX/XX/XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. XXXX and Equifax continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX   and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against XXXX, Equifax, and XXXX XXXX.
Product: Debt collection

I received a debt collection letter for an ambulance ride that claim someone took with XXXX XXXX XXXX and the debt got passed on to them ( Debt Recovery Solutions , LLC ). I thought it was spam at first and it still seems that way even though it's an actual business. I have never lived in LA nor have I ever taken an ambulance so I can't possibly owe them {$1000.00} dollars. Here is the email I sent on XX/XX/year> : " be advised Debt Recovery Solutions , LLC I am disputing the debt yall sent me. I have never used XXXX XXXX XXXX in my life so XXXX cant have a bill from them. Youre letter reference # XXXX Again, this is not my debt. Please cancel any further fraudulent debt collection activities regarding me. '' They then sent me " proof '' on XX/XX/year> that the debt was mine that looks like they generated it in their office with XXXX word. I've attached the " proof '' they sent below. It lists someone sharing my name as living at a XXXX XXXX in LA. I called them and they said I had to provide proof that this wasn't me and I was like what proof? I don't live there nor have I taken an ambulance. They wouldn't tell me what I needed to prove that this wasn't me and told me that the debt collection will continue and then hung up. 

This is clear fraud once you look at the form or at best a poor attempt at identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Debt collection

I requested that they allow me to validate the alleged debt. provide me with a breakdown of all charges, dates of service, including fees associated. My dispute was denied and debt was never verified but the collection remained on my credit report, negatively impacting my credit score. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was an account that was opened through pro collect from XXXX XXXX XXXX for the amount of XXXX on the date of XX/XX/2014. Pro collect contacted me multiple times about this account and let them know that i do not owe this account. Ive sent paperwork showing i do not owe these amounts i even tried disputing it. And they constantly deny me and never remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/ I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

XX/XX/2019 called Bank of America the automated system to make a payment, I have XXXX and sometimes its the easiest way for me. I spoke that I wanted to pay XXXX which is more than required. It asked if I wanted to pay XXXX, I said yes and it thanked me for paying XXXX. I called back immediately and was told that they could not stop the payment and to call back the next day and they would refund me, and they had some problems with their system. I called and was told to call back Monday, I explained I had XXXX  and had bills to pay and that I needed it pit back. They said they were sorry and to call back I called back Monday and was told the same thing. As of today I have been charged XXXX from my bank for a bill not covered. I am not able to pay my Insurance as I need the money they took. I have been a good customer for years, yet they charge me a yearly fee and a high interest rate so I am never able to finish paying. I have XXXX boys, one in college and my husband has been out of work she we may end up losing everything.
Product: Mortgage

This will be a companion complaint for Complaint Number XXXX. As stated in the companion complaint I believe this was a scam perpetrated by XXXX, XXXX and XXXX. This complaint is against XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX took over the mortgage for the buyers of XXXX XXXX XXXX when XXXX XXXX said his company was denying the buyers XXXX mortgage just XXXX days before closing. XXXX then proceeded to " assure '' me and my sellers that he could get the loan done as written and in accordance with our agreement of sale XXXX XXXX '' in XXXX days. When push came to shove my sellers ended up being displaced for XXXX days AND XXXX said that the buyers didn't have sufficient funds to complete the transaction and that to make the deal work my sellers would have to give them {$15000.00} in additional seller assist to make the deal work. Of course this is just blackmail at this point because my sellers were living out of XXXX XXXX trucks and had their own home purchase in XXXX XXXX hanging in the balance. I feel that this scenario was completely contrived as a way to extort more money from my sellers. The real estate agent XXXX XXXX said that the buyers had taken the XXXX amount of {$35000.00} withdrawal from buyers XXXX. which was listed as an asset on their XXXX XXXX XXXX sheet ( a legal document ) but the XXXX allowed is {$50000.00}. I asked for proof of the withdrawal from the XXXX from XXXX and XXXX but neither have complied with the request. I contend that the buyers did not withdrawal funds from the buyers XXXX and they concocted this scenario to extort money from my sellers.
Product: Debt collection

I received a debt collection notice dated XX/XX/XXXX from Resurgent Capital Services. Resurgent was attempting to collect on a debt that was never mine and was already dismissed by the civil court in Oregon. Additionally, there were 2 other companies attempting to collect the same debt that was already dismissed. I sent a dispute letter on XX/XX/XXXX.  I stated the facts above as well as disputed the legitimacy and requested validation. I also stated that they were to cease collection of this debt until such time as they validated the legitimacy of their collection. On a letter dated XX/XX/XXXX, Resurgent sent another letter attempting to collect the debt again. They have not followed the Fair Debt Collection Practices Act as such. They have not ceased or validated their legitimacy or the validity of the debt. And again, the debt was already dismissed in civil court.
Product: Debt collection

Debt was to be forgiven by original creditor per phone conversation. This should n't even be on my credit anymore as I became permanently XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorised, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : XXXX XXXX : Inquiry date [ XX/XX/XXXX ]XX/XX/XXXX : Inquiry date [ XX/XX/XXXX ] XXXXXX/XX/XXXX : Inquiry date [ XX/XX/XXXX ] XX/XX/XXXX : Inquiry date [ XX/XX/XXXX ] XXXX XXXX : Inquiry date [ XX/XX/XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA.

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies.

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA.

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

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

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Included in Bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened an account with XXXX back in XX/XX/XXXX, to my knowledge this collection debt shouldve closed in XX/XX/XXXX since its been XXXX years. It was reported I opened the account XX/XX/XXXX which isnt true and thats inaccurate. Its against the law to reselling and changing the date I opened my XXXX XXXX account. If you guys do further research, youre going to find that I had XXXX back in XXXX, not XXXX. This is fraudulent. I also attached proof that this account was opened in XXXX.
Product: Credit reporting or other personal consumer reports

These accounts were never late! I have maintained an exceptional payment history with XXXX XXXX, and all payments were placed on autopay. The late payment that is being reported is the result of a systematic error on their end in processing my payment. This was clearly a billing error made by the company and does not reflect my payment experience, which violates USC Code 1681eb. This error has caused severe harm to my reputation, character, mode of living, and my family! I demand that the late payment reported on these accounts be removed. They are not in compliance with the following law : 15 USC 1666b. Its requirements set the standards and guidance for a creditor to treat a payment as late, yet they are reporting a payment as late without complying with the law! 15 USC 1666b ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. These accounts never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date, and this information was requested in good faith pursuant to rule 1002. It was never provided. This is unfair, illegal, fraudulent, and inequitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there are inaccurate accounts listed. 
I ask that you investigate each account lawfully and provide a detailed description of the investigation process. 

Under Section 15 USC 1681 ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
If you Can't provide the description of the investigation then please remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to contact them to dispute this debt letting them know its not mines they sent me over the lease that was not my signature saying that I owe XXXX pulse interest of XXXX with a total balance of XXXX. However this debt is not mines.
Product: Credit reporting or other personal consumer reports

These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX Account number:XXXX since then the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report XX/XX/2022 and noticed unauthorized accounts on my report. I did not apply for this account. I have filed an identity theft report. I also have reached out to the credit bureaus but the account has not been removed from my credit report. It is fraudulent.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SALLIE MAE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

I am having with the credit cards issued through Comenity Bank. I have multiple credit cards with them ( XXXX, Ann Taylor, Victoria 's Secret ) and I have been having an awful time with them for years now. 

It's at the point where I can't take it anymore and I need to contact someone about them. I believe what they are doing to customers is fraudulent. I can not sign into any of credit card accounts. It's been like this for years now. When I call customer service they give me the same line that they are updating their system. 

How many years does it take to update their system? The only way I can get on to my Victoria 's Secret account is if I create a new password every single time I sign on. I can't even get into my XXXX account. I put in my credit card #, SS and I get this message every single time : " It looks like the details you entered don't match our records. Please ensure youre using the primary cardholders information and try again. '' Screenshot is. attached. Date it happened is today XX/XX/year>. 

This is NOT normal. I think what this bank is doing is finding a way to make sure people can't pay their bills on time, which will result in numerous and hefty late fees! 

I am not the only one that is having issues with this bank. Please review their XXXX pages and see the comments : XXXX XXXX XXXX  There is a page actually called " Beware of Comenity Bank XXXX XXXX : XXXX? XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax about a charge off / collection account on my credit being reported a past due amount of {$1400.00}. As you are aware a charge off account should not have a past due amount and therefore the credit bureau has failed to properly verify this account. I have requested several times for them to correct this issue and they respond by saying it has been verified and updated. Can Equifax verify who they spoke to in order to verify this debt? Can they provide a signed written contract? it is also reporting every month as charged off which updates the account.