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

My Score on Equifax is not showing on my report. update my info on my score on equifax and delete all inaccurate info Here 's my info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX XXXX and I don't recall service with a XXXX XXXX  ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to Equifax Information Services XXXX LLC via certified mail ( Tracking # : XXXX ) to remove fraudulent and unauthorized inquiries from my credit report and they refused to do so. I then submitted a follow up letter via certified mail ( Tracking # : XXXX ) requesting them to furnish proof of verification for the fraudulent and unauthorized inquiries and they were unable to do so. I am respectfully requesting that these fraudulent and unauthorized inquiries are removed from my report : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The same issues continue with XXXX XXXX XXXX XXXX I sent out the same dispute letters and they refuse to remove disputes as well. Below are the certified mail tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a student loan that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened ADRESSES - [ ] XXXX XXXX XXXX XXXX XXXX, GA XXXX - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL ACCOUNTS - [ XXXX XXXX  opened XX/XX/XXXX account # XXXX Balance : {$310.00} - [ ] XXXX XXXX XXXX XXXXpened XX/XX/XXXX account # XXXX Balance : - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$520.00} - [ ] XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX - [ ] XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$1500.00} INQUIRES - [ ] XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had {$4000.00} on my Citi bank savings account XXXX. 
On XXXX, XXXX XXXX Citi bank made transfer from this account {$19000.00} to my Citi savings account XXXX to cover it's overdraft ( this account was overdrawn because of unauthorized transaction and currently under investigation ). As a result of this transaction my account XXXX become overdrawn {$15000.00} and Citi bank close this account.
Product: Debt collection

I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. 

Credence Resource Management, original debt XXXX XXXX XXXX. 

Account number on report shown as XXXX I can not find or locate an entire account number.
Product: Credit card

On XX/XX/2023, I applied for a Sam 's Club membership online. On that same day I went to a Sam 's Club, located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I purchased a laptop, which had {$120.00}, Additional Savings, from the original price of {$590.00}. A Sam 's Club employee ( name not visible ), retrieved the laptop from a locked cage. As that same employee was checking me out at a register, he told me if I applied for a Sam 's Club XXXX I would get an additional 6 % off the laptop. When I got the receipt, I noticed I didn't receive an additional 6 % off the laptop. At approximately XXXX I called the Sam 's Club customer service number : XXXX, and they transferred me to the XXXX  department. I was told there wasn't an additional 6 % off the laptop. It was a 1 % cash back on my second statement. I went back to the store to return the laptop, with the intention of buying it again but with a different credit card which will provide me with better benefits. Team leader : XXXX, was not able to do a return to the Sam 's Club XXXX for a credit. A supervisor, ( give me XXXX, as her name ), was also not able to do a return to give me a refund/credit on the Sam 's Club XXXX for a credit. XXXX got another employee who told me I will not be able to receive a refund credit until I get the physical credit card in the mail. I told her it's insane that I can buy something without the physical credit card but not be able to return and get a refund for it. At that point I did not want the laptop, nor did I want to hold on to it until the credit card arrived via the mail. The employees kept telling me I could not receive a refund ; I even had a CSR -customer service rep- on the phone with me, XXXX ( XXXX ). Finally, after such a lengthy time, approximately XXXX, the employee was able to do the return and credit/refund to the Sam 's Club XXXX. I lost the five dollars reward I was supposed to get for becoming a Sam 's Club member that day, because the five dollars was credited to the XXXX, which I no longer want. The acting supervisor told me I can call the XXXX department so they can mail me the five dollars. At that point I didn't even want to be a member of Sam 's Club. I requested a refund for the membership, which the team leader ; XXXX, was once again having a difficult time doing. I wasted my entire afternoon & evening in Sam 's Club. 

I also wasted time the following day on the phone XXXX with a XXXX. There is absolutely no phone customer service and/or a positive resolution, just a lot of ; 'I 'm sorry '. Calling early during the day made no difference, just another 64 minutes of my time wasted. 

On XX/XX/2023, I finally received the Sam 's Club XXXX, in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account name XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Bankruptcy XXXX has violated my rights. 


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 a account without my written instructions
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with ( XXXX XXXX XXXXXXXX ), all have violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}
Product: Debt collection

This company is reporting medical debt in the amount of {$60.00}, {$140.00} and {$350.00} to the credit bureaus. First, why do I have XXXX bills, why are they different than I was quoted and law says that they cant report if its under {$500.00}. I did go to XXXX XXXX XXXX XXXX XXXX XXXX and I paid my copay. I pay XXXX XXXX month for insurance and  insurance paid them to my knowledge. This was around 12 months ago.. that was plenty of time to notify me. 

Never in my life has something just been reported to credit without notification. As these are the only XXXX bills on my credit that are negative, thats a negative then I pay my bills. Im happy to pay what I owe, but this company just destroyed my XXXX credit without notification and none of it is legal.
Product: Bank account or service

I have been a Bank of America customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Bank of America associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.
Product: Credit card

My Macys credit card had fraudulent charges and after several months Macys has neglected to remove the report to the credit bureau. This has resulted in damaging my credit score.
Product: Debt collection

Midwest recovery company name is XXXX XXXX XXXX XXXX. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company
Product: Debt collection

Jefferson capital sy {$2800.00} Original credit XXXX I have no more information about this company Every year they report me in my good credit, I do the dispute process, and it takes me a long time for them to remove it, this account is not mine or they opened it without my authorization, I have never done business nor am I aware of this account, This seriously affects my credit history, which is impeccable. I would like to no longer be contacted by this company and have my credit history no longer reported to me, thank you very much.
Product: Debt collection

CitiBank NA continues to report my account as not current or charge off affecting my credit score and ability to get credit cards. The account was closed and settled back in XXXX. It was a Best Buy card, which I currently have another Best Buy card, oddly enough through citibank, which is current and in good standing. So why this one continues to show negatively on my report is beyond me. The last reported not Current was back in XX/XX/XXXX. Luckily the madness seems to have stopped, but from XX/XX/XXXX to XX/XX/XXXX it was reported as not current/charge off which is incorrect. I disputed it with XXXX and they said it is correct information. IT IS NOT CORRECT!!
Product: Credit card or prepaid card

I have received several unsolicited credit card offers from USAA. When I call to ask them to remove my name, they tell me I have to send my request via fax. Why should I have to do this when I did n't request it? Other companies take my information over the phone with no problems.
Product: Debt collection

So I received my credit profile 's from XXXX  & XXXX which both include 2 collection account 's placed with LVNV. I sent them a debt validation letter which I never received a response. So last week I contacted them via phone, explaining how I requested proof of the debt. They informed me it was a cease & desist on the account to speak with me I need to allow them to remove it. So I proceed & explained how I would like proof this is a valid debt if not I would file a police report at my local police station, regarding these accounts. Credit one the orginal creditor deleted their reporting I do not understand the issue with the collection agency. 
lvnv Funding Llc Opened XX/XX/XXXX {$920.00} Original creditor : XXXX XXXX Lvnv Funding Llc Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX N A Dear Sir / Madam, I have recently disputed a derogatory mark for collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication stating I was the consumer and without my knowledge or any form of initial communication this debt was also added to my credit report. The notice was not received in the allotted time given by the FDCPA for me to dispute or validate this alleged debt. For this reason I have no information on account number or file numbers. I am disputing the validity of this entire debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment to/toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector The date ; in which LVNV Funding, LLC made initial contact with me about my debt. ( The initial phone call and written notice. ) FDCPA Sec. 809. ( a ) Notice of debt ; contents The current balance of debt. This is not an acceptance nor acknowledgment of this debt. Note that these are the rights given to me by the Fair Debt Collection Practices Act which allow me to dispute and validate my debts. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b ) Thank you
Product: Credit reporting or other personal consumer reports

Navient and XXXX, and XXXX can not provide the original dates, signatures, and promissory note information from original student loans using inflated loan amounts on credit reports for XXXX, XXXX, and XXXX, therefore, this is fraudulent and illegal to have on the credit report and must be removed immediately according to 15usc1681b ( a ) ( c ).
Product: Debt collection

Hi, Credit control llc is not my original lender. 
They sent me a lender saying that if i don't respond by XX/XX/2022 then they will consider the debt verified. Fair Debt Collection Practices Act ( FDCPA ), requires you to provide written verification of debts which has not been done. There are no records of transactions showing why i owe credit control llc any money. 


I went directly to the XXXX XXXX in XXXX and in XXXX florida on multiple occasions before the XX/XX/2022 however the staff there does not see an account in my name. They were unable to help me on several occasions. 

I spoke to XXXX XXXX the vice president at the the XXXX XXXX branch and XXXX who works at the same branch. They were unable to get help from their associates over the phone. They were unable to see an account with my information.
Product: Mortgage

My Name is XXXX XXXX XXXX P # XXXX. I have a mortgage loan with XXXX XXXX XXXX in XXXX, NM. Their phone number is XXXX. On or around the first part of XX/XX/XXXX XXXX XXXX XXXX paid an insurance company that I was no longer with {$1100.00}, not to mention paying the insurance company that I am indeed with. This caused a shortage in my escrow account of around {$1100.00}. It also caused my monthly mortgage payment to increase. I was not informed of this issue for almost a year. I continued to pay my regular monthly payment not knowing fees were accruing. In XX/XX/XXXX I had no choice but to pay {$1500.00} which was stated is late fees, shortage fees and who knows what else. I agreed just so this could be over. A manager agreed that there will be no more charges and owing extra charges will no longer happen. I also sent a regular monthly payment of {$870.00}, hopefully my mortgage payment will decrease back to {$820.00}. Today is XX/XX/XXXX, I received a call yesterday stating they did not receive my monthly payment for {$860.00} that I did indeed send. This never ends. How can I get them to stop harassing me for money still to this day? How can I stop owing them so much money. It never ends. No matter how much I pay on time, it seems every year I am paying at least an extra {$1500.00} to them along with every single monthly payment that is never late. Its unfair that I had to pay for their mistake and still being charged money for the damage that it has created. I have been threatened that my credit will be damaged and threatened with foreclosure. I am asking for your help. Please help.
Product: Debt collection

I received a debt collection on my report that should be deleted off my consumer report. Transworld Solutions did not advise that I can dispute. Paid the collection to have it deleted and the collection should not have been reported to my consumer report in the first place Per 15 US code 1681D ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The collection should have never been reported without my consent which i did not give. 

Also, 15 US code 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; This collection is blocking every relationship that I would like to pursue with other entities. I am not looking to be paid for damages, I would like to have the collection deleted off report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX XXXX XXXX has been illegally reporting inaccurate information on my credit report for over two years. Despite multiple disputes from XX/XX/XXXX through XXXX, they have failed to provide proper verification and continue to report false lay payments on a charged-off account. This has severely impacted my credit. 

Issue # 1 : Illegal late payment reporting on a charged-off account ( FCRA VIOLATION ) There is an auto loan with XXXX XXXX XXXX listed on my credit report. It reflects that it was charged off in XX/XX/XXXX. Despite the charge-off, XXXX and Transunion continue to report late payments every single month. A charged-off account should not have new late payments reported, as this is a violation of FCRA guidelines. 

Issue # 2 : Failure to verify disputed information ( FCRA VIOLATION - SECTION 609 & 611 ) I have disputed this account multiple times in the last XXXX years. The credit bureaus and XXXX credit union continue to claim the account has been " verified '' but have never provided any actual documentation proving this debt is accurate. Under FCRA Section 609, I have the right to see how this account was verified, but my requests have been ignored. 

Issue # 3 : Illegal " Re-Aging '' of XXXX XXXX XXXX XXXX updates this charge-off appearing " new '' when in reality, it has been closed since XX/XX/XXXX. 

I am requesting that the CFPB take action against XXXX XXXX XXXX for these ongoing FCRA violations and force them to immediately stop reporting false late payments after the charge-off date. Provide proper verification of this account or remove it entirely. Cease illegally " re-aging '' the account to make it appear as a newer delinquency.