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

On XX/XX/2023, I check my XXXX, XXXX, and TransUnion After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.
Product: Bank account or service

My bank account was tied to my XXXX. My XXXX was hacked. We watched it as it happened, quickly contacted both XXXX and USAA. XXXX was able to place a stop and lock the account. USAA swore there was a stop payment in place. Two days later, {$610.00} clears our account from the fraudulent activity on XXXX. XXXX different USAA reps gave conflicting information. I was told we could have the money back in 3-5 business days. My husband was told several weeks. I was also guaranteed no checks were pending. Turns out my rent check was, I transferred funds to cover it after the fraud but USAA had already returned it, causing me more trouble. There was never a stop payment put on my account. Ever. This is ridiculous. And now I have to wait weeks to get that money back because they lied. Now I 've got to pay over {$100.00} extra to my landlord and look bad because USAA failed me. I was ASSURED that a stop payment was in place and not a dime would come out. Now I 'm left stranded and sinking because they lied, and are dragging their feet.
Product: Vehicle loan or lease

XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NC XXXX. Worked a deal and signed the paperwork for a used car loan. 
Credit Acceptance financed XXXX $ The down payment was unable to be met because of circumstances out of my control. 
I contacted XXXX after canceling the check for XXXX $ saying I need to bring the vehicle In and that there was a hang up with the money wire me and my co-signer were expecting to arrive that day from a staffing company based on the west-coast. 
XXXX continued to string me along and push the days out more and more to give me time to bring, XXXX $ to keep the vehicle in my possession. 
On XX/XX/XXXX I successfully was able to get to the dealership in the hours that the owner was still present and he lied multiple times about the financing and my only option moving forward. I Willing gave the dealership all keys and property to the XXXX XXXX XXXX. My personal belongings and tools were in the back replacing the third-row seating. the owners father agreed that i am not to get any of my tools back until the third row seating was brought back. I agreed and assured them i would be back momentarily after calling an XXXX to get to my bosses truck to retrieve the third row. the owners son was swearing and acting foolish, wile I held professionalism. When returning the third row seating the owner take them out the truck and locks them away, and tells me Im XXXX  and that Im not getting my belongings until he receives XXXX $ from me He threatens a Lawsuit. I proceed to step outside call my legal representation and am instructed to not leave. XXXX   XXXX XXXX badge # XXXX responds at XXXX on XX/XX/XXXX after being dispatched for a call received from XXXX the owner of XXXX.I awarded all my property and turn over all of XXXX 's. 
Currently Credit acceptance has not been able to get in-touch with XXXX, XXXX has relinquished the title and Credit Acceptance has a  lien on it. I am being held responsible for a car loan and Payment for a Vehicle that XXXX Illegally Has for sale on there website showing inaccurate Mileage. Credit Acceptance is holding me responsible for the payment. XXXX XXXX XXXX is conducting illegal business in many ways, not holding up to do-diligence, and the Active car loan on my Report has cost me thousands and dropped mine and my co-signers Credit score. 
They are in the process of actively attempting to commit fraud by keeping the Financed XXXX $ and resell the vehicle with out proper 10 day notification of sale of the vehicle i currently am responsible for and have legal ownership of, all at my expense. 
As of XX/XX/XXXX I still do not have possession of the vehicle and have lost almost 30 days of work and income because of not having a means of transportation.
Product: Credit card or prepaid card

I need help in terms of XXXX because I have XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

3 issues I was never told : - I needed a XXXX to obtain a bank loan before applying when I opened the account and spoke to thet teller who never mebtionred that! Then I called telling them " remove the inquiry he never tokd me I wouldnt have applied for the account. 

- Then # 2 is they charged my account as soon as I drafted my ssi check for a $ 20 monthly main. Fee that he also never told me when I opened the accout!! Thats like the page before describing why " rights not disclosed '' - They set XXXX inquiries
Product: Credit reporting or other personal consumer reports

Thi credit card was opened on my account on XX/XX/2023, which Im not aware of, on the report it said current owner LVNV Funding LLC with a balance of {$1100.00}. I contacted the credit bureau to let them know about the issue, theyre still investigating on it. Also the credit card company contacted me asking about copy of police report and court documents proving it doesnt belong to me, which I dont have or know whatsoever.
Product: Payday loan, title loan, or personal loan

Applied Online and was Pre-approved for a personal loan of XXXX and XXXX secured with a vehicle. Based on a monthly income from all sources of XXXX. After discussing offer over the phone and learning I worked at a XXXX bar they 'forgot ' to include my stock dividends and capital gains income. So I was only approved for XXXX unsecured loan based on XXXX monthly income.. After documenting assets and income with bank statements, brokerage statements, profit and loss statements for self-employment ... They decided I did not qualify for a XXXX loan with proof of XXXX figure monthly income and XXXX of stocks and liquid assets. 
I think this decision not to lend is not based on any logical evaluation of my ability to repay. But rather discrimination against me on the basis of my assumed XXXX orientation XXXX XXXX nightlife entertainer ) or religion XXXX my LinkedIn mentions an XXXX student group I led in college. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute these items directly with the agency and companies and they refuse to remove items below. I did a third dispute XX/XX/2022 and the amounts vary between 9 different accounts : {$800.00}, {$6000.00} etc
Product: Debt collection

on this date company opened a collection account : ENHANCED RECOVERY COMPAN {$740.00} ( XX/XX/2021 ) & {$420.00} ( XX/XX/2021 ) I have never written any written document saying that i owe debt to the collector. 
They are violating my rigths of the FCRA as a consumer. 


i do not know who they are and have not written consent from my end. 

Also, they have NOT verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Product: Credit card or prepaid card

On Saturday XXXX, I received a Netspend XXXX XXXX pre-paid XXXX This card includes an account and a mailer to sign up for Direct Deposit, which included a routing number and an account number. When I called the company on XXXX, their phone system lead me in circles. When I looked on their website, they did not list any phone numbers that would actually route me to a person. The phone system wanted me to activate the card before anyone would help me. So, I routed through the phone system to report a lost or stolen card before I could speak to a person. When I did speak to a person, they wanted me to activate this card, even though I did not request it. I had to request to speak to a supervisor to find out who requested the card account on my behalf. The supervisor said that it was a promotional item, and they just send these cards to randomly selected people. I explained that this was deceptive marketing, and it was fraudulent because they sent out a completely encoded XXXX with my name, and active magnetic strip. I had to request the company cancel this card as well as the account, to remove me from all future mailing, to not give or sell my information to anyone, and to remove my information from their database. This is very deceptive and could defraud many people.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN BATTLING XXXX XXXX CASE FOR THE PAST SEVERAL YEARS AND ITS BEEN EXTREMLY COMPLICATED, I HAVE SUBMITTED SUPPORTING DOCUMENTAION TO SUPPORT MY CLIAM ON THIS MATTER, PLEASE REVIEW THE DOCUMENTS UPLOADED AND BLOCK THE INFORMATION REPORTING ON THE CREDIT REPORTING BUERUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Credit card

I have a Capital One XXXXXXXX XXXX XXXX and pay {$390.00} per year for that card. One of the benefits that they offer with that card is an annual {$300.00} travel credit. I just checked my account with hopes of using that credit, but found that it had " expired '' in mid XXXX and been replaced with a new {$300.00} for this year. They tell me that these credit expire if not used within 12 months. They tell me that this is noted in the card specifications. It may well be, but that should not allow they to steal the credit that I paid for without adequete warning. I believe that they've effectively stolen {$300.00} from me. I paid them {$390.00} each year with an expectation of receiving the promised {$300.00} travel credit, but without warning, they've deleted it. 
In my mind, the only appropriate option is to reinstate the " expired '' credit.
Product: Debt collection

I have asked for written correspondence from Performant Recovery instead of all the phone calls, which is handling my student loan. I contacted this company about a repayment plan on my student loan, ( but I was still sending {$30.00} per month ). I 've faxed and mailed XXXX now to XXXX XXXX all the information needed to arrange payment since XXXX 2015 only to receive phone calls from from another agent from Performant Recovery. Stop calling and put it in writing. In the meantime Performant Recovery keeps adding fees to the account. Is this fair?
Product: Debt collection

I contacted the better business bureau as well as Medical Data Systems. I have paid the medical bills. I requested a validation of debt from the collection agency. They are currently in violation of my XXXX right for the state of North Carolina. They provided personal information such as private medical info prescriptions, procedures received. They were nor authorized to receive or distribute this information legally. I am Preparing to sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Item remains in inquiries section : XX/XX/2023 XXXX XXXX XXXXXXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.
Product: Debt collection

Left message they were taking me to court in XXXX XXXX. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was fromXX/XX/2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XX/XX/year> Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX ACCOUNT NUMBER : ( XXXX ) ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : Cease and Desist Request for Deletion of Collection Account Dear Credit Collection Services, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

Date of last payment is incorrect And is not accurate between all XXXX major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}
Product: Credit reporting or other personal consumer reports

I reported unauthorized inquiries to Experian and asked to get them removed. They have declined to help remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the incorrect address on my credit report. The only address that I receive mail at is XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

In XXXX XXXX XXXX, XXXX XXXX XXXX reported a balance of {$440.00} to all three credit bureaus. I paid {$100.00} in XXXX, which brought the balance down to {$340.00}. PDM has not reported to the credit bureaus for three months. On XX/XX/2023, I filed a dispute with XXXX stating that they were reporting the wrong balance for my account. XXXX finished this dispute, and they stated that PDM has verified that my balance is still {$440.00}, and no payments were made. Because I provided XXXX proof of payment, they opened another dispute. PDM intentionally reported false information. I reached out to PDM and spoke with XXXX XXXX who was nasty and started a fight because he knew he was wrong and could not give a valid reason as to why they reported false information when they knew I had made a payment. I recently made a {$200.00} payment, so my balance is now {$140.00}.
Product: Debt collection

NCB Management Services continues to report inaccurate Unverified information about me, to the credit bureaus they report to. I have written this company Numerous times requesting that they send me the Original Documents or Contract with my Signature on it, Verifying that I have a debt with them.. { I have copies of the letters I sent NCB Management Services through Certified Mail requesting this information } proof NCB Management continues to update this alleged debt to the credit bureaus as a Collection Account.

I have not received any contracts that I signed with this company. I have no debt with NCB Management Services. I have never did any business with NCB Management Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX claims after non payment and charged me money to cover the non payment time. 
XXXX went as far as contacting Florida DMV to have my DL suspended costing me XXXX $ to get it reinstated. 
Then they sold this fraudulent debt to a collection agency who claims i owe 2 debts when in fact i had another Auto Insurance Company when i stopped payment and started new policy with infinite insurance company.. 
CaineweIne Collection agency after a dispute with one collection agency ( XXXX ) the collection was removed and Caineweine placed my fraudulent debt on the 2 remaining reporting agencies. 
I formally want to complain agains XXXX XXXX XXXX and Caineweine collection for fraud and unethical actions. 
As a result of this i have suffered increase in debt and finical hardships because of these 2 companies.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.
Product: Payday loan, title loan, or personal loan

I inquired about skipping a payment. I was informed that it was a one time accommodation made to customers and it would have no negative effects on my loan with regard to additional interest and fees. Due to my lack of trust with these companies I still requested that the deferred payment be processed along with the next due because I didn't trust that they would uphold the agreement. I was again told that I had nothing to worry about and the final payment would be debited on XX/XX/2018. Payment was debited as scheduled for {$86.00}. All twelve payments have been made per my bank records. They are stating I owe and additional {$290.00} and asking me how I plan to get my account back in good standing. It is in good standing!
Product: Credit reporting or other personal consumer reports

Inquiry Date : XX/XX/XXXXXX/XX/XXXXXXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.