23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I entered into an agreement with XXXX XXXX auto on a vehicle lease. I completed the loan agreement in XX/XX/XXXX. I always made on time payments and they were in fact on auto-pay. I recently checked my credit report back in XXXX and i noticed that Experian had completely jacked up my Auto Payments with XXXX XXXX. There were messed up and inaccurate which really caused my credit score to drop. I had no clue that they were reporting me late, and why i was getting denied credit applications a few years back. I immediately sent them some mail telling them that the late payments were a mistake but they ignored me. I don't understand how a company can repot inaccurate information, and hurt my ability to obtain credit without any repercussions. This is clearly a violation and a billing error/mistake on Experian 's part, but they refuse to remove the late payments, or even acknowledge my request for accuracy. And even worse they were reporting these inaccuracies over the Covid-19 Pandemic.
Product: Debt collection

VALIDATION AND CEASE AND DESIST MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received a call from Ally Bank 's fraud departement, XXXX. The individual on the phone told me that fraudulent activity was detected on my debit card, giving me the last four numbers of my debit card as reference. They told me that they to access my account to solve the problem they would send a code that I needed to give them because Ally does not ask for your username or password over the phone. In my haste to get this stopped, because I have been the victim debit card hacking twice with this bank, I gave the individual the requested codes that were sent via text message to my phone. They asked if I usually access my account through the app from a XXXX XXXX XXXX, further leading me to believe that someone was accessing my account because I do not have that type of phone. I logged into my Ally bank accounts while on the phone with the individual. While this person was accessing my account to help stop the charges and pull other charges to verify whether I made them or someone else I noticed that all of the money was gone from my savings account, in the amount of {$9400.00} dollars plus a {$20.00} service fee from XXXX XXXX for the wire transfer. The line was silent though the call was still active. I did a search of Ally Bank 's fraud phone number and verified that the number calling me was their number and found other fraud department numbers. I called from a landline when I saw the money missing to report it. The first person I talked to transferred me to a representative named XXXX. He stated that they were contacting XXXXXXXX XXXX where the money was wired and that since we caught it quickly there is a good chance that we will be able to retrieve the money. He also assisted me with changing the security measures on my account and stopped access to the accounts for me and anyone else. He told me that account takeover would contact me in 24-48 hours to set up new accounts. After 48 hours I have not been contacted by Ally Bank to set up new accounts. I spoke with XXXX, Ally Bank Fraud Department, on XX/XX/2024. He stated that they are backed up but have my case and will be getting to me. He also told me that my case was being reviewed and IF they decide to refund me the money it will go to the new accounts, that have not been set up yet. OR they may not approve the refund and will contact me by letter to let me know. Ally Bank 's website clearly states that they will refund an individual if fraud is reported within 60 days of the bank statement. I reported this almost immediately and feel that since I am the victim of a phone scam that originated from a phone number that belongs to Ally Bank that there is no real decision to be made. And I feel like my case is not being taken seriously since no one from the account takeover department has contacted me to set up accounts so that I can access the money that belongs to me sitting in my checking account. I do not feel that I can trust that my money is even still there. For all I know this a scam being run from the inside of Ally Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Submitted a dispute onXX/XX/18and TransUnion receive it on XX/XX/18for inaccurate information with XXXX XXXX XXXX. I asked transunion supervisor XXXX XXXX over the phone @ XXXX on XX/XX/2018 about information Regarding of the investigation and he fails to provide me any information because he amidit that the account was not properly investigated as requested, I told him that the error on my account are still there and that it pass over 30 days and they didnt remove it and deleted it from my TransUnion
Product: Checking or savings account

The bank placed my check deposit on hold for a week. I deposited a check on XX/XX/XXXX, but the bank would not make the funds available until XX/XX/XXXX.
I have contacted the bank multiple times to resolve the issue, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been charged off. However, I did not authorize this company to report this this information on my credit report. 
According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and Experian continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting XXXX regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. The Date Last active is not only incorrect but has different years. Furthermore, I was never sent correspondence notifying me that this account was sold to PYOD LLC which is another violation. I received nothing in the mail leading up to this collection being reported. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. I am also requesting the original loan documentation. Please provide a copy of your license to collect debt in the state of Texas. If you can not provide this, then this is another violation. According to the FDCPA XXXX entitled to XXXX dollars per violation. If this account is not removed, I will forward this information to my legal attorney so that this can be handled in small claims court.
Product: Debt collection

I received a default notice from Clear Recovery claiming that I owe {$390.00} to the creditor XXXX XXXX. I have no idea what this about. I googled XXXX XXXX and that name is not exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have had the exact same credit score with Equifax for over 2 years, which is extremely abnormal considering my contined score improvement with the other bureaus. I've looked at my report and I don't see anything out of the ordinary, all great reporting from creditors. I called Equifax and they will not help me or tell me how my score could be the exact same number for years. The guy I spoke to today, XX/XX/2021, said he can only see what I see when I pull a report. I repeated multiple times that the trouble is not with the report but something to do with my account because it's not updating. He continued to refuse to help. I can not dispute credit items because there is nothing to dispute. This is keeping mid range score ( from the three bureaus ) down and affecting my ability to refi for a better rate. 

I have gotten new cards over the past couple of years and they use them and pay them off regularly so I know my score should be going up. 

I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently been fighting to have this account permanently removed since 2018. I am very stressed because Ive been fighting for YEARS. I am a victim of Identity Theft. Someone broke into my car and charged thousands on my at the time USAA credit card. I sent in multiple police reports, ftc reports, written letters, statements and all and the credit bureaus always says its valid. I even had a letter showing the account was deemed fraud yet they have held me responsible for over 4 years. I am tired. Now, they havent even reported anything in 2 years but still on my report as negative.
Product: Credit card or prepaid card

I received a XXXX XXXX card from U.S. Bank which I did not order or request from U.S.Bank. I do not, nor ever had any type of account with U.S. Bank and do not do any type of business with any U.S. Bank branch.. They have requested that I activate the card via their automated phone system at ( XXXX ). Upon contacting that number and going through their option list I was never given the option to talk to a person to inform them that I ( XXXX XXXX XXXX XXXX did NOT order or request any type of card from U.S. Bank. 
I am and will hold onto the card until such time as this complaint is resolved and upon that resolution will shred and destroy the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing today because i have previously disputed accounts referenced in this dispute in the attachment not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.
Product: Credit reporting or other personal consumer reports

I disagree with the results from previous dispute XXXX request Disclosures from XXXX and Experian being that XXXX Experian informed me the accounts were verified and accurate disputes are now considered closed. I demand disclosures, a written letter informing me the consumer XXXX XXXX who did they speak with to verify the validity of these accounts, what time did they speak, what information was given to confirm the accuracy and validity of these accounts, and what representative did they speak wit, what is his/her name. XXXX and Experian is criminally obligated They are affably obligated for twofold the measure of the money charge as per 15 U.S Code 1640 15 US CODE 1681n- Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX is listed on my Experian credit reports and these accounts are inaccurate and were paid.
Product: Debt collection

I have spoken with the supervisor miss XXXX and she said she was taking care of my account and they have not called and told me what my minimum ammount due to pay this account the only thing this guy keeps talking about is there going send papers out and sue me for this debt
Product: Debt collection

On XX/XX/XXXX I received a letter from AllianceOne dated XX/XX/XXXX. The letter stated that I have a XXXXXXXX  Card from XXXX Bank XXXX and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both AllianceOne and XXXX  to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. XXXX informed me that I would need to contact AllianceOne about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to AllianceOne. 

I was told by AllianceOne that they are unable to do anything and I needed to talk to XXXX. Here are specifics from the conversation with XXXX : ( XXXX ) they received the information from Target on XX/XX/XXXX, ( XXXX ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXXllianceOne, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from AllianceOne prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have nor have ever had a Regions Bank credit card nor bank account. This is an error.
Product: Credit reporting or other personal consumer reports

I recently started an reinvestigation of my credit report with all 3 bureaus ensure that what they were reporting was 100 % accurate. During that reinvestigation, XXXX and XXXX both deleted the account. Transunion was the one outlier that did not properly investigate or take proper actions after the investigation. I have never done business with this entity and this account should be removed immediately pursuant the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times to XXXX XXXX, and Experian about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and XXXX  is nothing reported, Experian shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, A fraudulent Inquiry/Identity theft was made on my credit report on XXXX Company in question XXXX XXXX XXXX, l This is not the first attempt on getting this issue cleared, on the day of XXXX I was contacted by Synchrony Bank and I was told that it would be removed right away. 
Months went by and no action was taken. 
I submitted a complaint with the CFPB being your organization and if you look at your records this is an on going unethical performance by SYNCHRONY BANK I received a call from XXXX XXXX XXXX, Senior Specialist Corporate Consumer Relations SYNCHRONY BANK and she advised me that this matter will be taken care of and cleared from all reporting Bureaus.
Product: Checking or savings account

On XXXX XXXX, 2017, I learned that someone had used my Chase Debit Card for fraudulent activity in XXXX in the amount of {$800.00}. Also, there was a charge pending in the amount of {$4900.00} in XXXX. And someone had fraudulently transferred funds, over the phone with Chase, from my savings to my checking account. This was all done on the same day, XXXX XXXX, 2017. 

That day, XXXX XXXX, 2017, I immediately called Chases Fraud Department and alerted them to this fraudulent activity. I was told Chase had automatically declined the {$800.00} transaction. But somehow the {$4900.00} was deemed valid by Chase. 

Neither the purchases nor the transfer were made by me. I was not in any of the So. XXXX locations. I was able provide Chase proof of my presence in my state. Not to mention my Chase Card w/Chip never left my person. 

I spoke to Chases Fraud Department several times trying to work this out. I asked repeatedly why they were going to pay the {$4900.00} yet declined the {$800.00}. I received conflicting information from Chase staff, and the chronological order appeared to be wrong.

One Chase Rep told me this was Chip Transaction, and he felt there was some misinformation in his file. 

Chase refuses to provide any proof or documentation to validate their taking my {$4900.00}, They would not give me a reason or documentation, why they felt one transaction to be fraudulent and not the other. 

I did what was required of me. I notified Chase the same day I saw this fraudulent activity, the same day it was occurring. Yet they chose to pay this fraudulent charge, which was pending, from my checking account.