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

Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX XXXX have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.
Product: Money transfer, virtual currency, or money service

My tax return check was deposited into a bank account that doesnt have my name on it. There was a mistake on my Tax return that I didnt catch until a week before it was issued. I called Bank of America to find out what would they assured me that the check would bounce back to HR block since my name is not on the account. That never happened. I did a better business claim, and they lied about resolving it. Now HR block has been informed they will be sending a check for {$700.00} dollars back. My refund was a little over {$4800.00}. So essentially BOA has stolen {$4100.00} dollars from me. Had they been an individual they would be going to jail. However because theyre a major company they are getting away with fraud. I have a huge problem with that and I just want my money back.
Product: Debt collection

On My Credit report it shows that XXXX XXXX Debt. was Over 5 years old and beyond the Texas Statute of Limitations and as a Violations of the Fair Credit Act they removed the Debt and restarted the Debt in XX/XX/XXXX when in fact the date on the debt shows a date in XXXX which is 5 years ago. The uploaded Documents would show proof that the company purposely trying to Violate the Fair Credit act by removing and restarting an Debt that legally is not collectable and not valid due to the Texas Debt statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been inaccurately reporting this account as opened on XX/XX/XXXX when it was opened when my father was still alive. He died in XXXX. They keep re-aging this to try to collect a mere {$230.00} and destroy and damage my credit report. I have sent Experian a certified letter on XX/XX/XXXX asking to remove this as an Early Exclusion because it is technically over 7 years old. XXXX has been reported to the FDIC, but they have told me to file my complaint with CFPB since Experian keeps this on my credit report. They must remove this! It is extremely false, damaging, not to mention illegal. XXXX XXXX  is inaccurately reporting and Experian has a duty to remove this immediately. I need CFPB to step in and enforce penalties and damages here because the Courts are closed. I need CFPB to enforce the Consumer laws because XXXX XXXX  keeps to continue lying about this old re-aged account that they continue to report illegally. They should be assessed punitive damages for their intentional act to destroy my credit and I will NOT pay for an item that should have been removed years ago!
Product: Mortgage

My lender does not offer any modification what-so-ever. Excuse given to me is Lendor/Investor does not participate in any modification programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION VIOLATED MY CONSUMER RIGHTS PER FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 
( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

TRANSUNION FAILED TO DO THIS AND AS A RESULT I WANT THIS COLLECTION ACCOUNT FROM XXXX XXXX XXXX DELETED FROM MY CREDIT REPORT IMMEDIATELY OR I WILL BE FORCED TO LOOK INTO CIVIL REMEDY.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 Transunion : 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 card or prepaid card

On XX/XX/XXXX there was a fraudulent charge on my best buy credit card. I had not used this credit card since the previous year in XXXX of XXXX, and the card had been completely paid off. The fraudster had somehow gotten access of my card and account information and used it to purchase a XXXX blender for the total of {$280.00}. They also attempted to purchase other items, but those did not go through. When I received the email confirmation about my order, I immediately went to my online account to cancel it. By this point I was unable to cancel the order and the button was grayed out for me to do so. I called the Best Buy customer service number and informed them of this fraudulent purchase. The service representative assured me that this would be looked into and that my account would be closed, they also asked me if I wanted the current account closed and a new one opened, as well as a new credit card issued to me. I said NO, as I had the previous card paid off already and did not have further plans in using their services. About a month later in XXXX on the XXXX I called again to check the status of the fraudulent case as I had received an email of by card statement and it's due date. The representative that I spoked to informed me that the first account was closed, but the second account was open. Although I had said no to a second account being opened in my name, the first representative I spoke to in XXXX did so regardless. I asked the representative I was speaking to to close the second account as well, and they informed me that the investigation was underway and to not pay the balance on the account. I followed those instructions, and continued to not pay this balance. I called again in XX/XX/XXXX regarding the update to this, but they had acted like I did not inform them of this in the first place. By the final time I called on XX/XX/XXXX I requested to speak to the fraud department with citibank that best buy credit card services are contracted under. I informed the agent of everything that had happened, and she told me that she would flag this for investigation. On XX/XX/XXXX Best Buy security operations sent me a letter that they had completed my investigation and based on their review I was responsible for the charges due to the fact that I did not identify disputed transactions. This is completely false as I had only one transaction on the credit card and informed them of the item purchased and the total for it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I made a payment on my XXXX secured credit card with a limit of {$300.00}. A couple days later I received a notification and email that payment posted and it reflected in my bank account. A week or two later I got another notification that my account was over the limit. Knowing I hadnt used it I checked to find out why and the payment wasnt reflecting and my balance was actually $ XXXX more than the original amount prior to the payment. I tried calling which i normally dont have an issue with but unable to reach anyone. This over the limit amount and late payment immediately reflected on my credit report. After trying to contact the company and resolve this with no luck I disputed it through Experian this morning. Within an hour of disputing I received a notification from Experian about the change of status of the XXXX account. Feeling relieved that the company resolved their mistake I checked the status to find there was an additional {$100.00} added to the balance!!! But yet my payment history still shows current. These inconsistencies are proof of their unreliability and false reporting. Additionally youll find the attached screenshots of the unavailability of more current than XX/XX/2022 info in my account available
Product: Payday loan, title loan, or personal loan

Ask the companye could i refinance my loan pleaae help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX 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
Product: Checking or savings account

I am writing cause wells fargo is abuse in with the fees also they are lieing about a 24hr grace period the give you less than 8 hrs the ATM dosent accepte cash deposit and then they charge the XXXX they also charge XXXX for anything over XXXX that abuse please help with this matter I am so tired of telling Tham and they do nothing I think is time for them to get investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C 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 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW
Product: Mortgage

The Owning Corporation will not accept my refinance application because I own a business. This is discrimination especially in today 's environment where small business owners need the support and help of our financial communities. I more than qualify financially for this loan.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Summary of Accounts being challenged in list form WINGS XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/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 XXXXXXXX ) XX/XX/XXXX, Has violated my rights I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 generally, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a home equity credit line when I sold the property. XXXX received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through Experian as well as a number of email and phone communications with XXXX directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. Experian refuses to change the data, even after requiring me to send proof of the payment and closed account status. XXXX says they informed Experian in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. Experian says they have to go by what XXXX says because they don't know if I submitted fraudulent docs. XXXX says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.
Product: Debt collection

Penn Credit Phishing f or physical address & s.s.n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have a checking account with BOFA and was triple charged when I had funds then was double charged for over draft fee this needs to be fix asap this all happen on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX O - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been in contact with the company on a regular basis due to numerous issues I have encountered while trying to make payments. I was blocked out of my online account and have yet to regain access to it. Every agent I speak to they guarantee it will be back up within 48 hours,  but it never is. I was instructed to delete and reset the account and yet nothing. 

XX/XX/2019 - Spoke with an agent who stated I would receive a phone call from IT to figure out the state of my account and no call was received. 

XX/XX/2019 - Made a phone payment. According to TFS this payment was never processed. The payment goes through XXXX XXXX, and they recommended I contact my bank. The problem is, this payment never applied to my bank account but all bank information was taken and a confirmation email was sent. 

XX/XX/2019 - Made another phone payment. Received an email confirmation. 

XX/XX/2019 - Called in regards to my payment not posting. Agent stated the payment is still processing but on the TFS end the payment is posted on my account but not applied or processed. Problem is that I do not have access to any of this. Agent stated I need to make yet another payment in order to be brought to current but they can not guarantee when the payments will process and if I will be current. I have a problem with continuously handing out various confidential information and not knowing what is happening with my account.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus XXXX, Equifax, and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest.

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C.
1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation.

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof.

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy.

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us.

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue.

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I started getting garnishment on my check for an old loan. XXXX XXXX  has not updated my payment history in my credit report. They haven't updated that I paid it off, I've submitted a document showing that legal deductions in the amount of {$550.00} was taken out. I did a dispute and all they did was updated it as negative payments and changed it from {$560.00} to {$470.00}. But what doesn't make sense if they changed the balance to {$470.00} then why didn't they change my payment history. Everything is incorrect with what this company reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes to XXXX, EQUIFAX, AND XXXX, and have received no answers to my disputes.
Product: Payday loan, title loan, or personal loan

My car was in a auto accident XX/XX/XXXX. The at fault driver insured by XXXX XXXX paid out and sent me title XX/XX/XXXX. My Insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my title clear but Westlake Financial Services continues to request monthly payments. 
My concern is they offset the balance by write off or insurance ( XXXX XXXX XXXX ) paid off to release title to XXXX  insurance but they keep collecting from me, the customer too. 
Ive continued to make payments over a year while reaching out to them about this discrepancy, My attorney has also reached out & neither of us have received reply. 
Please help me resolve this confusion.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have failed to resolve inaccuracies on my credit report despite multiple attempts to address the issue. I requested a re-investigation after their initial dispute process closed, but the inaccuracies persist, negatively impacting my credit. 

Violations Identified : FCRA Section 1681i ( Reinvestigation ) : The credit bureaus did not perform a proper re-investigation of the disputed items.

FCRA Section 1681e ( b ) ( Maximum Accuracy ) : They failed to ensure the reported information is accurate and reflects the maximum possible accuracy.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : They closed my dispute without taking appropriate steps to resolve the inaccuracies.

Despite providing documentation and clear evidence of errors, no meaningful resolution has been achieved. I request an immediate investigation into this matter and enforcement of compliance with FCRA requirements.