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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for the inaccurate accounts on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives me a reason to immediately correct the accounts on my credit report. They should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this accounts be corrected immediately or I will file for litigation. 

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

XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX XXXX account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed that Affirm were reporting against the FCRA standards. How can I possibly owe two balances on a charged off account? As of XX/XX/XXXX  it is reported as " Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/. " It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Credence Resource Management ] [ XXXX XXXX XXXX XXXX ] [ XXXX TX, XXXX ] I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX  and tell them the debt is the result of identity theft. 

[ An account was opened in my name allegedly there were two phones put in my name and I was charged {$1500.00} allegedly around XX/XX/XXXX. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity
Product: Debt collection

I am a victim of identity theft i request you please remove the fraudulent charges on my credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately. 
Despite my efforts to dispute this matter directly with Experian under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved. 
Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report.

I have provided Experian with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure XXXX complies with the FCRA by removing the inaccurate collection account from my credit report immediately.
Product: Debt collection

I paid off my debt for : UNIFIN INC . 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

COLORADO IS A ONE PERSON CONSENT STATE.
Product: Credit reporting

All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance is incorrect, and this company has been illegally adding fees without properly informing me. I also have never been informed of the charges that are being applied to my account.
Product: Debt collection

Filed a complaint already against this company. Complaint Number XXXX. The company responded back to CFPB stating they will remove all tradeline from credit bureaus. Allow up to 60 days. It has been over 60 days. Company had responded back on XX/XX/XXXX. Contacted NCB on XX/XX/XXXX representative stated they see nothing on there end in regards to removing the debt from reports. I stated CFPB would not make up false information on the complaint. Representative said they would forward the information to the compliance team and see who responded back to CFPB. Insane how they cant seem to find the information THEY sent to CFPB.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at XXXX, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days. 

In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private. 

I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through Ally.

About four weeks into the lease - on XX/XX/2020 - Ally sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). XXXX - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now.

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ]. 

Finally - when I seek out a consumer entitled report from XXXX I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded. 

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from XXXX XXXX and potentially Ally to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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. 


XXXX 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 rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.
Product: Checking or savings account

New and relevant information pertaining to this matter. On XX/XX/year> Citibank Citibank Executive Response Team Contacted me with what I believe to be a deceptive and stalling tactic .They sent an email claiming that they didnt have the account number and or checks that were fraudulently disbursed from my account. The checks as well as the account was confirmed on XX/XX/year> on a recorded call with Citibank Reference # XXXX. On XX/XX/year> the account, the checks, and the fraudulent ACH charge were confirmed again on recorded call with representative XXXX and XXXX. These bullying and deceptive tactics that has continued to cause me great mental and physical anguish. Ive suffered from XXXX and even XXXXXXXX XXXX XXXX XXXX and scattered thoughts pertaining to the matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is no small matter and Citibank continues to disregard me and tell me lies that alters my mind. I know for sure I submitted photos of the checks with the check numbers showing in my previous complaint. Theyve confirmed several times with different representatives over the phone and located the account along with account details in question. Its the same feeling I got when they tell me its my signature and I know its not. Its the same when they told me I made charges that I know I didnt. Please hold them accountable. As consumers we need a voice and someone to fight for us because we are continuously bullied financially, mentally, and physically by Citibank.
Product: Vehicle loan or lease

I have voluntary turned this vehicle over maybe twenty years ( 2 ) ago and the Capital One is attempting to get more funds from me. My account XXXX XXXX I've received threatening phone calls, over and over, again. I am a XXXX citizen and the person calling won't even allow me to talk.
Product: Debt collection

To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, ERC, as a collector of debts, attempting to collect a debt I am not aware of. Back in XXXX I have reached out via email to recover proof of the original purchase agreement with signatures from all parties from ERC but never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. 
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status. 
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs XXXX XXXX XXXX make clear that it " debt parking without proper notices is a violation of consumers rights.
Product: Credit card or prepaid card

American Express XXXX XXXX has written me regarding charges made on a American Express card ending in XXXX that I did not make. The American Express Credit Card was not in my possession. This information was given to them several times but they continue to call and do not identify themselves, Recently calls received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at which time I blocked their call but I have received a call today XX/XX/XXXX even after their number was blocked. These charges were made in XXXX I explained they were not made by me, this information they continue to ignore.
Product: Credit reporting or other personal consumer reports

I been trying to contact the company since XXXX of 2023 when I first seen it on my credit as ccm finance. The company is rude and asked me if I was going to pay a car note. I explained to them that I never finance a car with them. They asked me all kinds of questions about my address and phone number. Next thing I know I was getting harassed about a vehicle I have no knowledge of. The company let someone fraudulently open up an account in my name. They have been using my personal information trying to open up bank accounts, credit cards and auto loans. I have over 40 inquiry on my credit. The company has been fraudulent opening up auto loans in people names.they have copys of my identification and ssn. Im not sure how they got my information but they have .The contact information the credit account show is a fake contact number and an incorrect address. After looking on the XXXX XXXX website, i learned I wasnt the only one. Please help
Product: Debt collection

My data was stolen and I've been trying to fight for my life back and this company is a third party collection service that will not provide me with the original data given so that I can further pursue legal actions. I've requested on three separate occasions for this company to provide me with the original contract and signature provided so I can pinpoint whom exactly I am going after.
Product: Checking or savings account

On XX/XX/year> Bank of America illegally set off a personal bank account ending in XXXX for {$1900.00} dollars, which was from personal wages deposited into a separate XXXXXXXX XXXX account moved to XXXX to pay a XXXX personal credit Card. 

Bank of America was not authorized to remove {$1900.00} from XXXX personal account and has violated federal and XXXX  XXXX  on setting off personal accounts with employment wages for a business charged off debt. 

This caused my personal credit card payment to be late and I also had them file. 30 day late payment on my credit card which has destroyed my credit
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XX/XX/year> {$370.00} Jefferson reported a debt collection to my report
Product: Debt collection

In XXXX of 2020. A customer representative from XXXX XXXX XXXX contacted via telephone and informed me that I owed a debt to The XXXX XXXX XXXX XXXX  in XXXX, Al. He said I owed {$4200.00} and that it was illegal for me to just break my lease and leave. He talked about suing for the money owed. I explained to him that I turned in a 30 days notice to the leasing manager due to an unsafe environment. He asked why I left and I explained that the US MARSHALS kicked in my neighbors door. And we found out that it was because of drug activity and they were wanted on other felonies. It was a very unsafe environment and after finding that out I could no longer have my daughter living around that. I made my concerns known to the leasing manager on several occasions. And the people were still allowed to stay in the apartment. Which they were suppose to be barred from the premises. I continued to call the leasing manager and make my worries known. The customer service rep stated how I was in the wrong and continued to bagger me. Then a month later I get a notice in the mail from XXXX XXXX that I Wanted a dispute. And they sent me a copy of my lease.