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

XXXX and Transunion are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually this needs to be coded as an XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion decreased my credit score by16 points on XX/XX/2019 for no valid reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX,, XX/XX/XXXX, 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 Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have become negligent of their federal duties and ignored my requests for the removal of the disputed fraudulent accounts and information. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not only ignored my requests and continued the erroneous reporting, they have claimed that the disputed items are verified and are reporting accurate information. Once again, I am submitting this XXXX complaint requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021. If the Credit bureaus insist that the disputed accounts and information belong under my name, I am requesting that the Credit Bureaus provide me copies of proof of verification or any documents bearing my signature. If the Credit Bureaus can not prove the documents I seek, deleting the disputed items is greatly appreciated.
Product: Credit card or prepaid card

I applied for a credit card with Commenity Bank. The credit card was for XXXX XXXX XXXX XXXX. Commenity bank said they could not help me because all my credit bureaus are frozen. This is not true my credit bureaus have never been frozen. I have called commenity 22 times to work this out. Now has hit my credit bureau twice but claim they have not because its frozen. I have sent proof with this complaint. My credit score has lowered 22 points because of commenitys errors. I would like my XXXX credit card sent to me as I have great credit and income. And my Bureaus are not frozen. Ss # XXXX d/o/b XX/XX/1967
Product: Prepaid card

I submitted disputes for unauthorize transactions on my account. My disputes were immediately ( within 30 minutes, not enough time to even read the documentation I provided ) and my account was permanently closed. Further, I am banned from ever having another cashapp account. I have asked support numerous times for information on how I can appeal these decisions and I received an automated response that the decisions were final and I could not appeal any decisions. Even when I requested to use the binding arbitration clause in their XXXX  to have a third party review, my request was denied without any explanation or recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Lending Club Corp Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX 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. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

equifax has an account on my report for financial management solutions for XXXX ive sent dispute letter on XX/XX/2021 and didnt get a response back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to Sequium Asset Solutions , LLC XXXX XXXX # XXXX XXXX. Having made no attempt to verify the status of the debt with XXXX, Sequium is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from Sequium, I filed a debt dispute with XXXX. Apparently XXXX directed their inquiry to Sequium rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by Sequium. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither Sequium nor XXXX will apparently do so. 

Particulars : XXXX/XXXX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XXXX/XXXX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from Sequium and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XXXX through today. I contacted Sequium to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When Sequium failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX formerly known as Sequium Asset Solutions LLCthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) Sequium Asset Solutions , LLC nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX a dispute was opened for a pre-order charge of {$210.00}. The item was expected to arrive by XX/XX/XXXX. 

Upon completion of opening the dispute I was told that I would be receiving a letter from capital one with information on how to proceeded with the dispute. I never received any letter from them via mail or email. 

On XX/XX/XXXX I was looking at my statement and I noticed that they reversed the temporary dispute and charged my account again. This charge was added back to my account on XXXX on XXXX XXXX I then on XX/XX/XXXX called capital one back to inquire about this document that I was supposed to have received now that I noticed they reversed the claim. During this call I was informed that due to me selecting paperless communications the letter could be found in the document section of my capital one account. I was never sent an email or physical letter or given a notification on my phone app or the website. 

Upon learning this the agent on the phone helped me find and download the document to submit and told me that they would re-open my case and that being passed the timeframe would not impact my claim. 

On XX/XX/XXXX I submitted the filled out document via Fax to capital one and waited to hear a response back. 

Later that day XX/XX/XXXX capital one informed me via email that my claim had been denied due to waiting too long to send in the documentation. 

On XX/XX/XXXX I then called capital ones fraud and disputes center and spoke with XXXX XXXX Employee ID : XXXX about my claim. He informed me that because I waited too long to submit the paperwork that I was unable to continue the claim. He told me that I had 118 days from the day the goods were expected ( XX/XX/XXXX ) to submit the claim paperwork. 

I opened my claim on XX/XX/XXXX, well within the timeframe of 118 days. Due to capital ones failure to properly notify me of the documentation that needed to be sent, it took me until XX/XX/XXXX to send in the proper information. Despite the agent on XX/XX/XXXX telling me that this delay did not matter capital one claims they are unable to help me re-open this case.
Product: Vehicle loan or lease

Hi I purchased a new car from XXXX loan application with Wells Fargo. Everything was fine XXXX Covid-19 comes around Started getting a lot of phone calls from my bank saying you have to make a payment or agreement to a payment plan. This went on for a couple of months ( while still paying my car note on time on the XXXX th of every month. I was able to get a hold of someone and all said the same thing you have not payed youre car note ever since you got the loan in XX/XX/XXXX its now XX/XX/XXXX. I showed them drafts of my bank with payments of the amount every month to weeks Fargo they said its has to be another account you gave that you are paying for we need our car back now!! They send people to knock on my door to get vehicle they would call and HARASS ME AND MY FAMILY AT HOME AND ON THE PHONE. 
Finally XXXX day they just took my car and thats the end of it they wanted the whole loan in full or they where selling my car. I told them sorry I dont have {$36000.00} To pay for car they said well made you should not have been buying a car. I was like wire is this how you do business they said yes and we will bill you for the abbot you owe. Its been XXXX  years since then and no bill no amount do. I still want my car or my money back with my down payment that I paid. I am out money and no car with a big headache and worried about a big bill coming in the mail that I have to pay that was not my fault. Please help thanks its wells Fargo fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX, XXXX and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXXXXXX Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above
Product: Mortgage

My insurance company mailed a check to me to be endorsed with my signature and my contractors name told asked me to send it to AAG for information that I had filed a claim for damage sewage and Repairs of my home. AAG open another claim and kelped the check. I have been sending requested Documents, phone calls, left voicemail message sense XXXX AAG promise the check has been approved to be returned and will be sent to me soon. Because of this ordeal from 2022 XXXX to XXXX I am broke and living in a hotel with no fund to pay contractors for repairs. AAG scam me
Product: Debt collection

this company has financed a vacuum for me but financed the wrong amount. the XXXX I purchased was {$1600.00}. The amount they have on my account is over {$2000.00}. I don't want the vacuum and I want them to stop trying to make me pay for something at the wrong amount
Product: Debt collection

I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX falsely placed my mortgage into bankruptcy. On XX/XX/year>, at approximately XXXXXXXX XXXX EST, I contacted XXXX via their customer service phone line. I informed them that I had not filed for personal bankruptcy and was instructed to submit my proof to their legal department. On the same dayXXXX XXXX XXXX XXXX, I submitted the actual docket, which showed that a company I worked for two years ago had filed for bankruptcy. My name was not included in their bankruptcy filing. 

The XXXX representative provided me with the name of their attorney and advised me to speak with him. On XX/XX/year>, I spoke with XXXX XXXX, an attorney from the law firm XXXX XXXX XXXX, who was handling the case. I explained the error to him, and he requested that I send him the proof. During the call, at XXXXXXXX XXXX XXXXST, I sent him the docket. He assured me that he would address the issue. However, as of the date of this report, he has not corrected the problem. 

On XX/XX/year>, XXXX continued to engage in fraudulent misrepresentation and unfair or deceptive trade practices by changing the mortgage address to a different address. Despite being presented with clear evidence, they have ignored it and appear to be engaging in willful blindness.
Product: Checking or savings account

I disputed {$4000.00} on the date of XX/XX/20 with BB & T for services not rendered that was my second claim after the first one was denied. I had booked with book it for a package with flights and resort included to XXXX XXXX on XX/XX/20 XXXX XXXX emailed saying they had cancel everything and that if I still chose to fly out I will have to pay out of my pocket even though I had paid book it already. The email also dated to reach out to my bank. Im disputing for services that wasnt rendered. I paid for something that was not promise. BB & T is giving me so many different answers make it difficult for me to receive my funds back.
Product: Credit card or prepaid card

XXXX  morning XXXX about XXXX I tried to withdraw XXXX dollars off my payroll card and the ATm said they were having technical difficulties... But they withdrew the money off my card and I received no funds from the ATM... I went to the bank at lunchtime because the card company told me to ... the bank said they couldn't do anything it was the card company responsibly... I work hard for my money and I need my money refunded to my card and I'm getting the run around... please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX, account number XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting or other personal consumer reports

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.rights. 
account name # XXXX XXXX account number # xxxxxxx XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX, XXXX account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX  account number # XXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a wheelchair and on fixed income unable to work
Product: Debt collection

On XX/XX/2023 I parked in a parking lot owned by XXXX XXXX XXXX XXXX ( address listed on the ticket for this company is XXXXXXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX but on the collection notice I received from OxygenXL the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ) - phone number XXXX ). The payment for this parking lot is through a kiosk. I paid for my parking at the only kiosk in the parking lot that was situated about XXXX feet away from my parking spot. Furthermore, there was signage all around this parking lot stating that it was controlled by the kiosk I paid at. I have proof of my payment. I received a ticket saying, " Failure to pay - Payment displayed not for this facility ''. When I disputed the ticket I asked for further explanation and proof on how the payment remitted was not for the facility seeing as I paid at the only kiosk in the parking lot and the kiosk and the signage said it controlled the parking lot. The response I received from PPM was simply that my dispute was denied with no further explanation. 

I would also like to note that on the ticket I received the vehicle listed is a " dodge ram pickup XXXX XXXX ''. I own a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Another detail that makes me question the validity of the ticket. A representative of XXXX named XXXX issued the ticket so maybe he made a mistake. 

Now OxygenXL a collection agency is sending me collection notices. I ask OxygenXL to provide the same proof I asked for from PPM. The response I received from their subpar debt verification was, " We reviewed your request and confirmed the account information above is accurate, '' yet they did not provide me with any proof or detail as to how they confirmed that I did not pay for the facility that I was parked in. 

Lastly, I would like to note so there is no question in this matter, my proof of payment shows the expiration for my parking was at XXXX. The ticket I received shows it was issued at XXXX.