23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This complaint would be in conjunction with a complaint submitted pertaining to XXXX XXXX. I applied for a auto loan with XXXX XXXX, got Approved, and received confirmation on a auto loan for XXXX XXXX XXXX. Please reference that complaint when reading this one. 

Today, XX/XX/year>, I received a letter of denial for an auto loan from Chase Bank, Car Dealership XXXX XXXX XXXX. I NEVER applied for a auto loan with Chase Bank. I have a credit card with Chase Bank, such that I am in excellent standing with them. 

Please investigate, as I never applied for a auto loan with Chase Bank. Nor, did I ever give permission to anybody to apply on my behalf for such a loan. 

Please and Thank You, XXXX XXXX.
Product: Debt collection

Received letter dated XX/XX/17 from Vengroff Williams , Inc. stating we owe {$430.00} for a credit card charge back for their client XXXX. We have never had a XXXX credit account. Letter stated it was a second attempt. Never received first notice. We believe this is fishing, fraud, scam or identity theft related. We tried to call company but can not reach someone live and are concerned about fraud and leaving information on voice mail. Account number listed is XXXX, reference number XXXX. Letter is attached to this complaint.
Product: Debt collection

The company Midland Credit Management refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law California ( California is 4 years ) 2. The full contract with my signature that I am doing any business with Midland Credit Management. 
3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement. 
4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed. 
5. The original documents Midland Credit Management has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX ) disputing the unknown accounts and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question are two accounts with XXXX XXXX Account for XXXX XXXX  the amounts are {$1300.00} and the other one for {$2400.00} for an authorized/unknown account.
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 ). Cash App failed to take timely and effective measures to prevent and stress fraud on their platform, leaving my account vulnerable and unprotected. I'm addition, their dispute resolution process was unfair and deceptive. They did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Debt collection

I am being taken for a garnishment by this company and I have no idea who they are. This debt is not listed anywhere on any XXXX credit reports. I have tried to call them several times to get information and no one answers the phone or returns messages. I last attempted to call this company again after I was served this week and was told they are garnishing me and why would they do a settlement offer when they can just take my paycheck and then hung up on me. I tried to call back at least XXXX more times and they would not answer. Also the name that is given for the company is totally different than the name of the company listed on the garnishment paperwork and when I asked them if they were a debt collector they told me I just wan na agrue and that they are not a debt collector. I have not received any letters from this company and again they are not listed anywhere on my credit report. They flat out refused to provide me with any information on this debt but trying to garnish me for XXXX dollars. When you call the recorded line says you are calling XXXX XXXX XXXX, not the name listed on the garnishment.
Product: Credit card or prepaid card

On XX/XX/2022 a credit card was opened with Navy Federal Credit Union without my knowledge using my Name, DOB and SSN. for {$25000.00} credit limit. I feel Navy Fed DID NOT follow red flags rules! The account is closed however it has ruined my credit. 

I have notified all XXXX credit agencies. I have filed a police report with XXXX XXXX  XXXX. In XXXX, Oregon. 

filed with : XXXX XXXX Badge XXXX Case # CPD XXXX How can a bank issue a credit card by only verify DOB and SSN? How about checking address? especially since I have never banked with Navy Feds.
Product: Credit reporting or other personal consumer reports

I am having an issue of getting my free annual credit report from XXXX XXXX, Experian and XXXX. I want XXXX XXXX, Experian and XXXX to mail me a complete copy of my free annual credit report. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXXXXXX XXXX Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Debt collection

credit card was with XXXX  XXXX without knowing they transferred balance to XXXX XXXX XXXX XXXX  is not licensed in the State of Az placed debt on my credit report
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX ( XXXX ) regarding my credit account, as it appears on my credit reports from XXXX, Experian, and XXXX. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
XXXX reports a balance of {$810.00} and a high credit of {$810.00}. 
Experian shows a high credit of {$0.00}, creating confusion about the accounts status. 
XXXX reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : Experian does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account.

Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports.

Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information.

Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : XXXX and Experian indicate XXXX, while XXXX XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.
Product: Debt collection

On XX/XX/2019, I received a notice from a debt collector. They never advised who the original creditor was! Only that they had purchased the very old account - that has toted the statute of limitations plus the seven years that they could place this account back on my credit report. I have had A-plus credit for the last 10 years. I don't owe anyone. The name of the company is XXXX XXXX , XXXX. and LTD Financial, L.P. a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dealer checked my credit without explanation and my permission on XX/XX/XXXX at XXXX XXXX XXXX, Washington. While my father bought a car for me, a dealer said i should be as a cosignor on financing document. I didnt sign any financial documents at all before they run credit score. I didnt even know that he checked my XXXX XXXX until i got an email that Benz inquired my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, XXXX has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing.  I HATE XXXX!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with XXXX, XXXX, and transunion. They refuse to remove personal information that does not belong to me.
Product: Credit reporting or other personal consumer reports

In the past, I have requested validation of this debt, but I have not received any detailed payment history or documentation regarding the amount due. On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX, and spoke with XXXX in the billing department at XXXX XXXX  CST. I was on the phone with him for over 30 minutes as he researched old files. XXXX confirmed that he did not find any amount I owe ; in fact, the account has been inactive since XXXX. It appears that this account was paid off in XXXX. Therefore, I can not resolve a balance that I do not owe and this should be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request per FCRA Dear Credit Bureaus I hope this letter finds you well. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am writing to formally exercise my right to opt-out of any and all authorization that may have been granted to XXXX XXXX XXXXXXXX XXXX. This opt-out includes any permissions, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . 

I appreciate your prompt attention to this matter and confirmation of the successful implementation of my opt-out request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX
Product: Checking or savings account

I was a customer of Wells Fargo for 15 years and was charged several overdraft fees and also had my deposits frozen which caused the overdraft fees
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Please delete this account immediately from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX  XXXX XXXX  XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Violations of Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ). This conditions under which consumer reporting agencies can furnish consumer reports to third parties. One of the conditions is obtaining the consumer 's consent. The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the Equal Credit Opportunity Act. There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Mobiloans reported to the credit bureau XXXX that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that Mobiloans charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted mobiloans the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information provided on my credit report by syncbank mens wearhouse Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX
Product: Mortgage

Renasant Bank provided me with three separate FHA loan amounts and approvals in a 30 day period, to then deny the loan, even after locking in my rate. 

The employees of Renasant Bank were incompetent in their duties and did not due their due diligence interpreting the FHA guidelines. 

Renasant Bank shared my personal, credit and financial records with other mortgage lenders without my knowledge or consent. 

PLEASE SEE DETAILED RECORDS AND NOTES ATTACHED TO THIS COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an ongoing issue regarding inaccurate credit reporting by Experian. Despite submitting multiple disputes and providing supporting documentation, Experian continues to report incorrect payment history on my Student Loans with Department of Education. 

The payment history inaccurately reflects a 90-day delinquency for XX/XX/year>, even though the account was in deferment at the time. Additionally, the account was reported as current for both XX/XX/year> and XX/XX/year>. Despite these clear inconsistencies, Experian has advised me to contact the creditor directly, rather than taking responsibility for investigating and correcting the error. 

Further complicating this situation, my loans are currently in administrative forbearance due to the ongoing federal investigation into the XXXX XXXX XXXXXXXX for unfair business practices. Given this forbearance, no payments should be reported as delinquent. Under the Fair Credit Reporting Act ( FCRA ), it is Experian 's responsibility to ensure that the information they report is accurate. It is not sufficient for them to defer the matter to the creditor without properly investigating the facts. 

I have attached documentation that includes the deferment notice, information on the forbearance, and relevant correspondence with Experian and the creditor. I respectfully request that the CFPB investigate this matter and require Experian to : Remove the inaccurate 90-day delinquency for XX/XX/year> and update the payment history to reflect the correct forbearance and deferment status. 

Ensure all information reported across major credit bureaus is corrected and that any negative impact on my credit score is removed. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report is corrected and that Experian fulfills its obligations under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting

In XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing Experian for allowing XXXX XXXX too give false information on my credit report, for not adding XXXX XXXX and XXXX XXXX too my Experian XXXX, for not having the right information about my address, for my credit & retail card debt, XXXX XXXX has reported a Charge-off on XXXX on XXXX. And again on XXXX and on XXXX. And a last payment on XXXX. XXXX never gave my payment of XXXX. And it has destroyed my credit score.. Experian has two of the same address on my credit report. Have not added my bills too my Experian XXXX, And they have my credit & retail card debt totally wrong. And I'm paying them $ 19+ for my three credit report and I'm only getting one new credit report a day the other two I got too wait 30 days.
Product: Credit card or prepaid card

I filed a complaint with XXXX and XXXX on XX/XX/XXXX andcXX/XX/XXXX due to Capital One keeps not reporting fairly. Each month they either skip or report information from the month before billing cycle. I paid Capital One in full on XX/XX/XXXX before my bill cycle ended and they have I owe them {$77.00}. The last time my credit report shows Capital One reported my account balance was XX/XX/XXXX. This report was obtained by XXXX on XX/XX/XXXX. Capital One did not report for XX/XX/XXXX and should be reporting for XX/XX/XXXX in the next few days. My account balance on their website shows XXXX owed and {$800.00} available limit but they failed to report this since my last payment. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$390.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$800.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$77.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$15.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : N/A Comments : Consumer disputes - reinvestigation in progress
Product: Checking or savings account

I have a business account with BB & T and I never opted-in for them to pay my debit card transactions when I don't have enough money in the bank. I spoke with Representative XXXX on XX/XX/2020 that said for business accounts you are automatically opted in unless you opted out. The rep said they do not offer opt-in or opt-out Because they had me opted in I was charged a XXXX fee on XX/XX/2020 for a transaction that processed through my account. I was also charged a 7 day negative fee of {$36.00} on XX/XX/2020 because of that same transaction. I'm mad that I was hit with {$72.00} in fees because of BB & T automatically had me as opt-in instead of opt-out. I did not think they could automatically do this to a person.