23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I was sent to collections by an agency that they credit repair service Lexington Law said had deleted and removed my information. Further then I was found in default judgement for this debt that was supposedly deleted/removed. They failed to provide legal support through counsel as they had previously advertised and upon contacting me they said they longer do this. I was unaware of the current lawsuit for similar accusations at that time. I have used there services multiple years and like to know what else they werent doing I was paying {$150.00} XXXX XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX  XXXX
Product: Checking or savings account

Opened a checking account which had a {$200.00} signup bonus after a direct deposit. The terms of what qualified as a direct deposit were confusing and in fine print. I was not told that my direct deposit did not qualify until after the period to make one occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK ) XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN keeps on reporting this item as a charge off- I never applied or received any money on this account- XXXX XXXX and XXXX XXXX This account is a fraud account - i called the companys several times and I get the same respond that its mine - I do not have any record of these items on my behalf
Product: Credit card or prepaid card

Purchased a power trunk kit for a XXXX XXXX XXXX from XXXX XXXX. The product was defective and did not function as claimed. Specifically, the trunk release button in my car no longer functions after the XXXX Offer product was installed. Trunk release button worked perfectly before the installation of the XXXX Offer product. I contacted the merchant. The merchant requested additional information as well as a video showing the issue. I provided the merchant with all requested information including video evidence that the product did not work. Merchant refused to replace the product blaming XXXX for the problem. I advised the trunk was working fine until their product was installed. The merchant then tried to blame their certified installer and refused to provide a full exchange. The merchant only offered an exchange of a single component that did not resolve the issue. 

Accordingly, I filed a chargeback with Chase to dispute the charge as the product was defective and the merchant refused to address the issue. Chase states that because the merchant is claiming the product was received, the charge stands. The issue is not whether the product was received, but rather whether the product works as claimed. The product is clearly defective, as agreed to by the merchant 's certified installer, but the merchant is refusing to refund my money. I have now paid over {$1000.00} for an item that does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX  and Equifax credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with my new vehicle. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX  and Equifax and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on  an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.
Product: Debt collection

I received correspondence from a collection ageny accusing me of owing a payday loan debt from XXXX from a company I 've never heard of .When I inquired about being provided in writing proof that I owe this debt, the collection agent refused to provide me details in writing stating that it will be presented in court.I asked for the proof because without informing the agent I wanted to see if there was a signature of any sort on any documents and compare to my own.Around XXXX my mother was a victim of identity theft and I want to make sure I was n't affected as well.The agent mentioned a bank that I supposedly wrote the check from and I have never opened or maintained an account at the bank he mentioned.The interesting thing is I have never heard of this company before ( Advance America ) and I have never taken out a payday loan with them.I asked about three times if the information could be provided showing proof that I supposedly owe this money and the agent refused to provide proof of documentation which I thought was required by law anytime you are being accused of a debt. The correspondence also reports that I need to pay to have it removed from my credit report but what is interesting is that it is not on any of my credit reports which made me even more suspicious of this situation.These people are threatening to sue me and place a judgement on my account and wage garnishment as scare tactics which has to be illegal as I truly believe these to be false claims.If I supposedly owed this from XXXX then why in XXXX would they suddenly attempt to collect a so called debt that they claim I owe? I 'm certain that if such a debt was owed, they are beyond the statute of limitations.The company 's information is as follows : XXXX ADVANCE AMERICA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Checking or savings account

I have been dealing with Wells Fargo for almost 2 months now. I called them in early XXXX because I never received my checking account bonus. I met all the requirements for it. I called them and they said that I needed a bonus offer code. I never got one in my email. I never talked to a banker and I did everything online. The bonus code should've been automatically applied. They said I didn't get click a certain button. The only reason I opened an account with them is because I saw this offer and I went through the offer page to do so. It isn't my fault that their system caused this. It's on their end and they aren't honoring my checking account bonus. 

They told me to go to a bank in person to talk about this so I did on XX/XX/XXXX. They told me to complaint to Wells Fargo. The banker said I had all the deposits in enough time and met the requirements for the bonus. I then submitted a complaint the same day. I then received a call about a week later from them. They told me they looked into it and that they were declining my request and I wouldn't receive any money. 

Recently I got a letter in the mail saying my account was not eligible to receive the bonus due to following : Insufficient Information was provided for research. I can include the photo of the letter if needed. Please let me know This isn't right. All I did was go on their website and open an account with them and now they don't want to give me my checking account bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that XXXX XXXX XXXX XXXX unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.
Product: Checking or savings account

I in good faith and standing decided to entrust my hard earn funds to Venmo by having direct deposit setup through my employer. So Venmo decides to close my account saying that they notice some suspicious activity in the account I used for direct deposit. So they automatically suspended the account with out giving me an details as to why. They told me the funds which are XXXX would be held in the account for XXXX months or XXXX days. Now the XXXX  day mark was XX/XX/XXXX. I have yet to receive my funds. I kept calling and kept emailing them. All they did was give me excuses after excuse. Never made good on their promise that the funds would be released before or on XX/XX/XXXX. Now all of a sudden they claim I owe them money. I'm tired of Venmo an I want all of my funds that I asked for and that I'm owed inside that closed account asap. Because of this I wasn't able to pay certain bills or get things for my kids for XXXX last year. Never used Venmo they are crooks.
Product: Debt collection

U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX {$0.00} U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL / XXXX XXXX {$0.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX XXXX ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX
Product: Credit card

First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! 

My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! 

During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ).
Product: Payday loan, title loan, or personal loan

https : //brightlending.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 699.4069 %. I borrowed {$500.00} and now I owe {$2800.00}. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.
Product: Debt collection

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax MONTHLY since XX/XX/2021 and have NEVER received a response. There is a medical collection on my report, but the information provided does not advise who the collection company is, nor who the original provider is. I do not recognize the amount and therefore have no idea who ( or if ) I owe. 

My understanding is that the bureaus are obligated to report with 100 % accuracy, and this collection is far from that.
Product: Checking or savings account

Wells Fargo allowed a charge {$74.00}, from something listed as XXXX * Newspaper, to be paid. It was an unauthorized charge. 

Further investigation, ok we XXXX the payee, shows that this particular charge is a well-known fraud issue going back years. 

Even if I have been a victim of identity theft and the criminals presented the appropriate credentials, Wells Fargo should know -- or should have known -- that this charge is behind a fraud. 

Check it out : XXXX XXXX XXXXXXXX
Product: Credit card

Complete Review of all American Express credit card accounts for SCRA Relief from active duty military service of XXXX XXXX XXXX to XXXX XXXX XXXX
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. 
Account name : XXXX XXXX Account name : XXXX XXXX, Account name : Pennsylvania XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a American Express. I have had cards where a business used my information to open the cards. I have sent Amex that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.
Product: Credit reporting

I have decade old defaults on my credit reports that belong to my wife prior to our marriage. I paid for her defaults in full in XXXX. We married in XXXX. I have written letters to the credit bureaus and did n't receive any assistance and my issue was never investigated. I should n't have any defaults on my credit reports. I have honored every loan I have ever acquired. I 'm a small business owner, my income is {$XXXX} yearly and I have difficulties getting loans because of the discrepancies on my credit score that are not mine. I have to pay cash for everything since I have trouble getting financed which is slowing the growth of my business. Also, I have multiple addresses on my credit file but I 've lived at the same place for the past ten years. And I have inquiries on my credit files that I never sought. The last legitimate inquiry I was responsible for was in XXXX when I bought a car for my wife. But for some reason there are multiple inquiries in XXXX and XXXX. And my credit score has lowered since XXXX and I do not know why. Furthermore, I thought defaults were supposed to drop off after seven years. These old defaults, that were paid off, are over nine years old. I do not trust the credit bureaus and banks. I feel that they intentionally try to lower ones score to make more money via high interest rates on loans. I would also like to add that I do not like credit cards, I do not use credit cards, and I will not use credit cards. Credit cards are rip offs. I dislike that credit cards can have such an impact on ones credit score, good or bad. I always pay for what I purchase but my credit score makes me look like an incompetent derelict. I 'm wondering if I may need to hire an attorney to resolve this if I ca n't on my own. I appreciate your time and look forward to any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CAVALRY PORT XXXX Balance Owed : {$4200.00}