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

This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and XXXX has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give Account Resolution my written instructions to furnish my account. Accoring to 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why XXXX is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all XXXX if being reported to all 3 but yet XXXX has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. XXXX AND ACCOUNT RESOLUTION have both violated me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

T

hank you for your time and help in this matter. Under USC 15 1681, 1682, 1683, 1684 these a
ccounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Creditonebnk Date Opened XX/XX/XXXX Balance {$130.00} **These accounts are past statue of reporting!! ** XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

Contacted by midatlantic conumser credit about a debt that is beyond the statue of limitations. Provided to me when requested no statement or proof that i owed the debt. I willingly gave them a settlement payment however when i tried to contact them to change the date of funds the number is disconnected and the person that gave me their personal number does not return any calls. I contacted my bank and stopped the payment. I believe i am being scammed by this company and have seen over the web that other people have had this experience with them as well. I would like to report them and have an investigation opened. The kept calling all my family members about my debt and all different phone numbers were used. and any of those numbers were not in service after i tried to call them back. Please look into this as they are trying to extort money in very bad ways. Phone number used that is not in service is the following XXXX Mid-Atlantic Consumer Services '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a federally protected consumer received a credit alert notification that I had a late payment for the month of XXXX reported by PHFA when the payment was made on XX/XX/21. This is a billing error thats needs to be rectified. A late payment is not defined by federal law. This inaccurate information is false and needs to be corrected immediately as this is a burden on my self and my family.
Product: Checking or savings account

RE WELLS FARGO ACCT # XXXX On XX/XX/23 a levy was improperly charged to this account from XXXX XXXX firm case # XXXX. By order of the local court, this levy has been REVERSED as of XX/XX/23, as I am exempt from levies up to {$10000.00} according to NV law, and only had {$1000.00} on this account at the time. WELLS FARGO, however, refuses to refund the {$120.00} fee they charged for this improper levy without a written letter so requesting from XXXX XXXX XXXX. They have no right to have charged this fee in the first place for a levy they should never have processed. To make matters worse, WELLS keeps charging me a XXXX XXXX monthly fee because my account is fee free only with an average {$500.00} daily balance, and I can not add money for fear of another levy. I had to spend XXXX minutes on the phone with them just to get the {$10.00} back.
Product: Credit card or prepaid card

I made my payment to Avant on XX/XX/XXXX. The funds were available in my account at the time of payment. On XX/XX/XXXX the payment was declined. I was charged a late fee as well. I spoke to multiple reps and was hung up on while attempting to resolve this matter. The funds were still in the account for the payment being made so I asked if we can process the payment via debit since they were having problems processing it via ACH. I transferred the funds to my account that has a debit card linked to it and provided the rep with the card number. They stated they were having issues on their end with the payment. I asked if they would like to try another card. They stated they would try my card on file and read me the number. The number they read was not a card but an account number for my ACH payments. I stated no do not use that account because it will take days to process. The rep proceeded to process it anyway. I explained I wanted to make a debit payment so its processed today. They said they canceled the ACH and took another debit card that I moved the money to and this payment went through. They apologized for the inconvenience and stated they would submit a request for the fee waiver because of a processing error. This morning when I woke up I had an email stating the waiver was declined and I also saw they took two payments instead of one. One of these payments is unauthorized. They stated it would take 14 days to resolve. So they are charging me fees based on their error and taking unauthorized payments. I spoke to a supervisor who refused to help and hung up on me. I have now called over 5 times trying to resolve my issue. This is a violation of TILA.
Product: Credit card or prepaid card

Discover bank did not resolve issues I complained about to them since XXXXXXXX XXXX XXXX. I called Discover multiple times complaining about fraudulent and unauthorized charges being made to my card. Discover did not change my card nor act on those complaints until XXXX XXXX XXXX, I also filed an identity theft report at identitytheft .gov after I was instructed to do so by a law enforcement officer, reference number XXXX. Discover was called and notified of the situation and instead of assisting, discover increased my credit limit to {$5400.00}. I did my limit was {$4500.00}. I did not use my credit card to charge {$4500.00} or {$5400.00} worth of charges. All charges on the card are fraudulent
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Credova, also known as XXXX XXXX. Company contacted me claiming I still owed a " final payment ''. I gave them a credit card and they have not processed the transaction. I contract clearly shows all XXXX payment complete but there system claims there is another payment ( the XXXX now ) due this month. Entire loan was setup on auto pay!
Product: Credit card or prepaid card

Hello I have a account with Grain for almost a year now the company is big on how they allegedly helps everyone obtain credit with no credit check which is great. What they don't tell you is you make one mistake you are on your own. I have several credit cards and I discovered the best way to insure all your payments are paid on time when due is by selecting auto pay set it and forget it. Which is how my Grain account has been operating I would get an email stating my payment was received been set up on auto for almost a year. All of sudden at the last minute I received my statement in my email I opened it to see it said I was 30days late which made no sense seeing how Im set up on auto pay. So I immediately reached out to them could get anyone on the phone due to holiday so I sent a chat message. I finally get a reply stating we are sorry but out third party company lost a connection to your bank then she sends me a link to pay. I go ahead and immediately pay it up i owed 40.00 and i paid 60 the account is practically paid off as it is I always stayed within 30 % of my credit limit and never been late until I find out at the last minute my bank needed to be relinked. Well and email would have been nice or any type of notification I didnt get anything until the last minute. As a result of the I end up with a 30 day late which is very unfair to me based on why this happen. Most companies will notify you after yo missed your payment date apparently they just wait 30days so you can get a negative impact to your credit. This has caused me to not be able to get my pre approval for my home very disturbing. I hope you can help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I did authorize these credit inquiries XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Disputed public record with TransUnion on XX/XX/23 and 3 days later, XXXX, I received dispute results stating its been verified. Obviously, there was no investigation done. My credit report showed the same last date reported. Violation. Per FCRA, I'm entitled to an accurate credit report. TransUnion is not reporting accurate information so therefore I want the account deleted. I have included there dispute results.
Product: Credit card

I have been a GM cardholder since early XXXX. 

In XX/XX/XXXX, after attempting to replaced an expired card, my card never arrived in the mail, and approximately {$5000.00} in charges were fraudulently attempted with my card. GM resolved all but XXXX of them, XXXX for SQ WRECKER for XXXX and another for XXXX for XXXX. I first opened the dispute in XX/XX/XXXX, as evidenced by their first provisional credit. 

GM has rebilled me for a XXXX time as of XX/XX/XXXX. When I contacted customer service, I was told the evidence they have from these two merchants included my home address and a tracking number. As the cards were clearly lost or stolen in the mail, this is not a surprising find in my opinion.

In addition, the dispute was more than 90 days old and should have been fully resolved.

I have attached a recent discussion with one of the customer service representatives.
Product: Debt collection

Third-Party Debt Collector contact and attempted to collect on a credit card debt that is well past the Statute of Limitations RSMo Statute 516.120 for collection of a debt within the State of Missouri.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXXXXXX XXXX XXXX Ohio XXXX, XXXX XXXXXXXX XXXX. Phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with XXXX for 1 year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Company XXXX XXXX XXXX in XXXX of 2019 put on my Experian credit report that I owed them through XXXX XXXX XXXX XXXX dollars I asked Experian to dispute this frivolous item on my report and the next day Experian said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting
Product: Credit card or prepaid card

I have reached out to XXXX XXXX for my Walmart Master Card account on  numerous occasions in the last few months. I have been a customer of theirs since 2013, and this XX/XX/XXXX experienced a severe amount of bank and identity fraud while my husband was hospitalized. A nurse on the unit had stolen his wallet and used his information and identity to open accounts, as well as access our checking account.

On XX/XX/XXXX my husband XXXX XXXX. It was not until after his XXXX that I was made aware of the fraud that had taken place, and was not in a position to handle it at that moment. However, I maintained contact with XXXX XXXX/Walmart attempting to make payments. Due to the fraud, our bank ended up returning 2 payments that I attempted to make. I reached out to customer service to explain the issue and was told to make payment in the store. I attempted to and was told payments were not being accepted ( holiday weekend ). At this point my only other option was to open a new checking account, transfer funds to it, wait for the funds to become available, and then make the payment again. Again, during this time I stayed in full contact with customer service to explain what steps I was taking and was assured no adverse action would be taken. I made a payment to my account at that time, for much more than the minimum required, and came to find that they had already closed the account.

At this time I reached out to customer service again, and was told by a supervisor to fax proof of the fraud and they would reopen the account. I was told today that this was not even possibility and I was essentially lied to. I need help.
Product: Credit card or prepaid card

I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX  XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.
Product: Debt collection

Certainly, I got a letter from XXXX that I owed {$6200.00} to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' XXXX but I have never applied " R '' XXXX or had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE WERE INQUIRES ON MY CREDIT REPORT THAT I WAS NOTIFED BY MYFICO ALERT THAT I DIDNOT AUTHORIZE- I SPOKE TO THE BANKS AND THEY STOPPED THEM AS WELL AS MARKED THEM AS FRAUD- EQUIFAZ HAS NOT REMOVED THE INQUIRERS EVEN THOUGH THEY WERE NOT MINE AND WERE FRAUDENLENT-
Product: Checking or savings account

I went to the bank and said I wanted to close the account. I withdraw all the funds. I Then got two statements charging me {$15.00} each time for maintenance because I was awarded interest, and now I have a negative balance for an account I closed. I would like my interest back as well as my return of maintanence fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell the credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX