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

For the past two years I have been attempting to have my credit information corrected on XXXX, Transunion and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report that have unjustly impacted my credit score. Specifically, I am contesting the accuracy of a late payment reported by XXXX under account number XXXX, currently showing an outstanding balance of {$410000.00}. I request a review and correction of this account 's payment history. Additionally, I am disputing the reporting of an account listed by XXXX XXXX, originally from XXXX XXXX XXXX under account number XXXX, which is inaccurately marked as an active collection with a balance of {$1600.00}. This debt was settled, and I request an update to reflect a XXXX balance and removal of the collection status.
Product: Checking or savings account

This morning I received 2 letters from Wells Fargo bank advising they had received a notice of garnishment and on XX/XX/XXXX, they took {$220.00} plus {$120.00} bank fee from my savings account. This amount actually closed the account.This garnishment belonged to my daughter who is not not my savings acct except as beneficiary. The second letter advised that since my income is S/S they could not take it. I went to the bank this morning and their employee, XXXX XXXX XXXX verified that my account was in my name only with her name as beneficiary. My daughter is a joint tenant on my checking account because when my husband passed away I wanted to make it easier for her in case of my demise. She has not put money in the account nor taken money out, it is strictly my S/S and a very small pension in the amount of {$39.00} My complaint is not with Wells Fargo since they realized the error when I called them, so my complaint is with the Franchise Tax Board of Calif. They never contacted my daughter about this debt and she has not lived in Calif for a number of years, so she didn't even know, that according to them, she has a balance. I don't know how they got my name and banking information because I don't live in Calif either and haven't since 2015 and even then my husband and I did not file taxes because we did not make enough money. They caused me a lot of undue grief when I got those letters showing my savings was gone. It may not seem like much, but on my fixed income it was devastating to me. And when I called Wells Fargo they verified that my daughter was not on the savings acct. If you need any additional information please feel free to contact me.
Product: Checking or savings account

I was contacted by Citibank on XX/XX/22, however, at the time I did not know it was not Citibank. Everything was conducted in the exact way Citi would do things. I was sent a text, as Citi does, that stated they thought there might be a fraudulent charge on my account. They wanted to know if I made a purchase to Office Depot for {$210.00}. I texted back no and someone, who I thought was from the Fraud Department called me. Every question they asked, Citi would ask. When they asked if they could send a text with a code to verify it was me, I said yes, as that was something Citi does all the time to verify someones identity. In the process of all of this, they told me that they were going to credit my account back the money from the fraudulent charge. I thought okay. Then this person, made a mistake and transferred too much money. They told me that I needed to transfer everything back, minus the fraudulent charge. When I logged into my account, I could see a credit for {$15000.00}. They told me that they accidentally transferred the money that way and when I gave it back to them, it would go away. I trusted that this was Citibank and went ahead and did what they asked me to wire the money back to them minus the {$210.00}. However, I found out that later that I did not wire the money back to Citibank, I wired it to these people who took out a loan for {$15000.00} in my name and impersonated Citibank to get the money. When the credit did not go away, I went into Citibank to find out why. That was when we found out that someone took out a loan in my name and got me to transfer the funds to them.
Product: Credit card or prepaid card

I already had a Credit Credit card and I was issue a new one in XXXX of 2019. I destroyed the old card as required by Care Credit. Care Credit reported this to the credit bureau 's an a " new '' account and it was not because I was issued a new one that replaced the old one. They also reported the card that was replaced as a " closed account '' and both these reported affected my credit score negatively ( points taken off ) and caused a major delay with getting a mortgage for a home. I called Care Credit with the mortgage company agent on the phone and we were told that they would not issue a letter admitting that they were wrong and that the mortgage company had to take her word that the credit bureaus were wrong. We both explained that we were asking for a letter stating that a new account had not been opened and that an account had not been closed. The Care Credit agent said that it was the fault of all of the credit bureaus and that Care Credit would not admit to wrongdoing. In addition, the agent for Care Credit said that we had wasted 16 minutes of her time because nothing was going to be corrected.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am disputing a recent hard inquiry on my credit report from XXXX XXXX XXXX XXXX. I explicitly authorized only a soft pull and clearly stated that I did not want my credit pulled. I also only provided the last XXXX digits of my Social Security number, and I was assured this would not impact my credit. Please remove this unauthorized inquiry from my report immediately. 

Thank you, XXXX XXXX
Product: Debt collection

I work as a XXXX. I disclosed to 'cash call ' that the phone number being called was a XXXX phone number. I confirmed the person they are calling for does work for this department. I am aware other XXXX have made similar requests. I requested XXXX ' delete the number from the system as it was being made illegally. 

XXXX was XXXX that 'the call was illegal '. I called back and followed up with XXXX 's supervisor, " XXXX XXXX '' whom informed me she would listen to the phone call and talk to XXXX '. I requested no more phone calls be made to the number listed as it is a XXXX number.
Product: Credit reporting or other personal consumer reports

I purchased a car from MEI , Inc.XXXX in XXXX. The company lied to sell me a bad car, I've had numerous issues with the car. My final issue was on XX/XX/XXXX. I then had the car towed to the company, told them they can have the car back and I agreed to pay the remainder of the car contract. I continued to make the car payments every 2 weeks, while they kept calling me to harass me about getting a new car. On XX/XX/XXXX. XXXX, when they called, I gave them an attitude and told them to stop harassing me and I would never buy a car from them again. On XX/XX/XXXX, I went to log into my account to make my payment and my account was locked. I called them up and they told me I couldn't make a payment and they closed the account and I didn't have to worry about anything. I went to look for a new apartment in XX/XX/XXXX and was told I had a repo on my credit report with missed payments. The company started reporting late payments after they locked me out of my account and wouldn't let me make payments. When I called them, I told a lady what happened and that it was illegal to falsely report thing to credit agencies. The lady told me that if I had an issue I could do what I needed to do, but they have lawyers. I've asked for a copy of the contract and the ledger of all payments and they won't give it to me. I've tried talking to someone high up, but no one will respond. They broke the contract by not letting me make payment.
Product: Credit card

PayPal issued me a credit card on my PayPal account and then set it up as the default payment method without my consent. I never requested PayPal Credit and then I was suddenly sent a notice for outstanding fees and bills.
Product: Debt collection

This letter is regarding an account, which you claim I owe {$94.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please DELETE the XXXX the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has only been a few years since CONTINENTAL FINANCE ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of CONTINENTAL FINANCE and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX
Product: Debt collection

I have tried to cimunicar with the accrediting agency and they do not answer me. I 've never had accounts with this bank. Do not let me have opportunities with other banks
Product: Consumer Loan

I purchased a 2015 XXXX XXXX ( new ) approximately 1 year ago. Chase Auto Finance financed the vehicle for approximately {$29000.00}. The purchase of the vehicle was approximately {$19000.00}. I had a trade in that caused the total financing for a 2015 XXXX XXXX to approximately {$29000.00}. I pay approximately {$650.00} monthly. I have not been past due by 30 days but I do make my payments late because of the extraordinary monthly payment. Chase Auto Finance continues to call me on a monthly bases and tell me when am I going to bring my account up to date. I explained to the Chase Representatives of the situation and they refuse to help. They wont refinance or in good faith negotiate on the principle of the account. I am tired of the continuous phone calls and the unprofessionalism and unwilling to help in anyway. I am making my payments NEVER past 30 days late and since they are unwilling to help I do n't want them to contact me again. I 'M MAKING MY PAYMENTS SO LEAVE ME ALONE. I 'm so underwater on my vehicle that since Chase is unwilling to help I attempted to refinance with both my Credit Unions and the said no because I am approximately {$14000.00} underwater.
Product: Vehicle loan or lease

Santander Consumer USA has a statement and a collection department that do not agree. They will not send me a statement by mail to reconcile. They have threatened to repossess the car. I may have to file bankruptcy. The won't fox the XXXX XXXX  or repair the recall to make the car run correctly. It is still under warranty XXXX XXXX  XXXX in XXXX, TN sold me this car and it still isn't running right. They make treats and say they will repossess it. Their online computer does not agree with my payment records at all. I have lost jobs and left it in XXXX XXXX dealership for 12 days And it isn't correct yet XXXX XXXX
Product: Checking or savings account

wells fargo open up account that i did not authorize violation of my rights with hippa and cra never knew what to do until my consultant told me to file here
Product: Student loan

My loan was moved to Navient years ago. They always encouraged my to defer payments. I tried over the years to get affordable options and they would always say we can just defer it. Now my loan has more than tripled and my payment plan is too high and even if I could afford the payments I would end up paying five times more than what I borrowed by the time I paid it off.
Product: Debt collection

I have received several calls and voicemails ( this also happened to me 10 years ago - same exact message and calls reported ). Received on my cell and at work. " This is important message is from General Revenue Coporation from XXXX XXXX the LAW requires that I notify you that I'm calling from a debt collection company this not an attempt to collect a debt and any information obtained will be used for that purpose. Please call us back at XXXX XXXX. '' They called at XXXX pm on XX/XX/XXXX and left a voicemail on my cell phone They called again at XXXX XXXX on XX/XX/XXXX XXXX and left the exact same voicemail on my work phone and called my cell phone but did not leave a voicemail. 

I have not received any mail from this debtor. I would not like any more calls from this number. 

I sent them an email today asking them to send me a formal letter with the original debtor, amount, and no calls until I receive this letter within 30 days. 

Thank you.
Product: Student loan

My student loans were transferred from Nelnet to XXXX in XX/XX/XXXX. Nelnet is still showing my account status as open. In XX/XX/XXXX, I consolidated my student loans which is {$49000.00} in total. I noticed about 3 months ago that my student loan balance is duplicated on my credit report. Instead of showing {$49000.00} - it shows that I owe {$98000.00}. I have tried to resolve this issue with Nelnet who advises me to call XXXX and then XXXX advises me to call Nelnet. I have also reported this issue to XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX stated that the student loans are being reported correctly which is false. I reported the duplication on XXXX in XX/XX/XXXX which I have yet to receive a response from. My XXXX XXXX decreased significantly and I was given a XXXX XXXX  interest on my new vehicle in XX/XX/XXXX due to the decrease in my XXXX XXXX XXXX. This is completely unfair to me. I pay my student loans on time every month and I am working towards my student loans being forgiven through XXXX. My next step after reporting it Consumer Financial Protection Bureau if this issue doesn't get resolved is to obtain an attorney.
Product: Debt collection

This shows in my credit wise report and in my credit report and I dont remember ever getting any card or loan from this place. ( Spring Oaks Capital LLC ) original lender ( XXXX XXXX XXXX XXXX ) collection/charge off for {$630.00} reported on XX/XX/2023. It says the account is 1 year and 10 months old. I did not apply for anything on those dates!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm filling a complaint against card because I had money own my card and it got stolen and some one spent every dime I had own the card then they call and had the card closed with out my knowledge know I don't know how I'm going to get all my money back because I don't know the card number no more they is wrong for what happened then they trying to get rude I'm seeking mediation for XXXX dollars for them not letting me know all these transaction history I feel like they trying to ruin my credit report down the road
Product: Credit card or prepaid card

This incident follows a previous incident that happened on the same day at a different branch of Bank of America in XXXX XXXX After I was informed at the Gray Highway branch of XXXX Ga that their device used to take money off of the unemployment card was broken, I traveled to the XXXX XXXX location on Wednesday, XXXX XXXX. 
I approached the teller to withdraw {$1000.00} off of the unemployment card. She attempted and told me it was declined. I called the phone number on the back of the card and they said they would remove a hold and to try the transaction again in one hour. I left and returned to the Bank of America after about a hour and a half. The teller tried to take the money off and told me once again it had been declined. I asked for a manager. A manager named XXXX came out and said there was nothing she could do and told me I would have to wait 24 hours. I pleaded for her to call Bank of America to see if there was some way they could remove the hold, since the card services rep told me that the hold would be removed on the card 's end. She refused and said there was no-one she could call and that there was nothing she could do. I told her that I was in an emergency, visiting from out of town to check on for two elderly parents, one of whom has several chronic illnesses. She did not attempt to help. She said bank of america had a hold on the card and that I would have to come back. I called the unemployment card services department and asked them to hold while I waited for another manager. The reps for the card said they'd taken all holds off of the card and that it should work. Another manager, XXXX, came out and told the rep that I would have to go to another bank. I informed her that their broken card machine at the gray highway location caused this issue and that this would probably continue at another bank. In addition, why would she advise me to go to another bank without knowing if I had the funds or transportation to travel to another bank. She was very dismissive and seemed as if she just wanted me to leave. I advised her that I was a Bank of America customer for at least 20 years, with savings, checking and credit accounts. Even as I pleaded with her to call Bank of America to ask them to remove a hold that XXXX said would be on the card, she refused. The card rep then asked her to and after some resistance, she said she would. She eventually was able to take the money off of the card. This situation took me through the most unnecessary emotional distress. The managers did not even consider or care that Bank of America has been contracted out by the federal government to provide this service but instead insisted that I got somewhere else and suffer a loss because of a problem THEY CAUSED. They refused to provide me my money that I was rightfully owed. It was strikingly disturbing and borderline, if not outright criminal.