23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive requested that these two accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Account XXXX XXXX  on Experian be deleted for they are harming my profile with the negligence of inaccurate information being reported. Experian has failed to delete these two accounts that is reporting inaccurate. According to FCRA 15 U.S.C. 1681 both XXXX XXXX XXXX and XXXX XXXX are reporting inaccurate payment history and Experian rebuttal was that the accounts were verified and accurate. Attached will be a letter requesting the verification of the information they are opposing to be accurate along with the payment history that both are. Also due to the response of Experian saying the account was verified and accurate they are in violation of FCRA 1681e for not ensuring that all information in my file is accurate and current.
Product: Student loan

My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.
Product: Checking or savings account

I have bill service at BBT and month after they pay bills on and earlier than what schedule it be paid resort shortage of funds and a charge for over draft when you call them on it they send a email stating over draft would be refunded un [ less you send a follow up email you don 't get the refund, I requested a list of the over draft charges and proof of the credit to date I have not receive nothing this conduct has caused my gas to be cut of two When I ask the bill wasn't paid to date no reply when they pay early the funds ion my checking is used and when my monthly deposit is made they pay the scheduled billed and never put back the fund they paid out early and misused my funds, they just pay the bills as scheduled from new funds the missed used funds is never refunded nor the over draft charge
Product: Debt collection

I have been asking this company to remove this negative item from my report with no luck, they claimed to have an address other than my address on file. I have provided proof via fax- mail and CFPB please help me to have this removed.
Product: Credit card

I opened a Tomo credit card. I had a balance paid it off had a balance paid it off and so on. The last few months I thought I was paying a balance that was higher than my credit limit of {$250.00}. I just checked my balance what I owed today which was XXXX I paid {$80.00} then all of a sudden it said I owed {$160.00} and the last 4 months I have made payments of {$370.00} total on a card that had a {$250.00} limit. I have tried to reach out to customer service there isn't any customer service to speak to. I also emailed them and it said the card is no longer being able to be used and it gave an explanation. Come to find out there are lawsuits against this company so I just paid something that I may or may not have even owed. I would like to put a complaint in with this company Tomo credit.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you 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. Please delete these accounts ASAP.
Product: Debt collection

AFNI has spent the last several months sending threatening voice messages and letters impersonating judges and law enforcement officials. I have requested validation of this debt and never received it. I have asked not to be contacted because this debt does not belong to me ( my XXXX account is current ), they continue to ignore that and harass me. Today, they added the account to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XX/XX/XXXX & also in XXXX late fees & interest were applied to my Barclay card credit card, even though I paid the bill in full on the due date. I had to manually call & get the fees reversed. I pay every month on the due date. Only on certain occasions are fees & interest arbitrarily applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX  XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX XXXX- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- current balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXXXXXX XXXX XXXXXXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 sent 3 letters so 1 letter for each bureaus XXXX XXXX and transunion in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.
Product: Credit card or prepaid card

Received a chime debit card in the mail that I never applied for under my old name. 
On another day I also received another debit card in my new name that I never requested that card is under XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made an electronic deposit to my Chase checking account on XX/XX/2020. The amount then posted, it was reflected in my account balance. On XX/XX/2020 my account shows being negative and the debit card is closed. The deposit has disappeared, instead the transaction shows that a withdrawal was made. Chase bank has denied this and has stated that the deposit had been returned. Chase bank then provided me with a fake, joke 800 number to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Mortgage calls one time when I was at work could not talk and replied back to the consumer financial protection bureau that the issue was resolved. How can an issue be resolved if you never spoke to any one. Wells Fargo Mortgage is deceptive and nothing but fraud with answers replying back as they talk or fix the issue. I'm also in the process of filing with the US Attorney office for several issues regarding my signature as not mine and other various documents altered by Wells Fargo Mortgage.

Wells fargo calls at late times as if not other XXXX tactics they use in as they call solved this issues is never going to be solved playing games and one lie after another lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX it came to my attention that my credit card history with Capital One ( a credit card I've had since XX/XX/XXXX ), is not showing on my XXXX Credit Report ( though it IS showing on XXXX and XXXX ). 

I called XXXX and they informed me that they collect all reported information from Capital One and that the problem must be with Capital One. To look into the issue they filed a research inquiry. 

On XX/XX/XXXX, I contacted Capital One to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to XXXX  to make sure that this card is showing up. 

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my XXXX  report, I followed up with Capital One. They once again assured me that they are reporting it, that it must be a problem with XXXX, and they once again promised to file a request. I then followed up with XXXX, and they too assured me that everything that Capital One reports they include, and so the problem must be with Capital One. They too attempted to assuage me by initiating a research request. 

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my XXXX  credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit. 

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My Experian credit report is inaccurate. I have disputed numerous times on phone to Experian and more FCRA violations by Experian for not reporting correctly. 
They are:1. I have no account with late payment. 
XXXX to remove XXXX XXXX XXXX XXXX XXXX I have and there is no Contract or Assignment signed by me with XXXX XXXX XXXX XXXX. Doesn't exist. Experian is to remove at once. Experian has no valid reason to keep on an account that is not mine. Experian has no proof. Experian per FCRA is to DELETE this account from my credit report now. 
3. Experian refuses to record all monthly payment amounts on " actual payment made line '' for XXXX XXXX XXXX, 2 XXXX XXXX accounts. It says on all 3 " no data or 0. 
4.On XXXX XXXX XXXX XXXX XXXX date payment received line is all inaccurate. Months of car payments missing are : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Actual amounts paid are all missing. I know XXXX is reporting accurately. 
XXXX XXXX # XXXX ... XXXX XXXX for XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX missing. All date payment received are all incorrect. Actusl amount paid all missing. 
6. XXXX XXXX # XXXX ... .Account Balance missing:XXXX,XXXX,XXXX, XXXXDate payment received line is all inaccurate. Actual amount paid all missing, says '' NoData ''. 
7. XXXX XXXX is not my hard inquiry. Previously disputed. Delete it. 
8. Remove all soft inquiries older than 2 years.
Product: Payday loan

I borrowed XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. 
I have repaid XXXX dollars on this loan. It came to my attention on the XXXX Department of Banking that these types of Loans are illegal in XXXX.. I have paid Dakota Lending dba MyLoanSite.com XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX I have paid this company {$1700.00} plus the Original loan amount as of XX/XX/2016. 
They have gotten their money back I do not want any money back. They are fooling the common person in XXXX where they should not be lending money at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  removed 3 accounts from my credit report, I would also like for transunion to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts.

The three accounts are : XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, Experian, XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I visited a ATM outside the Bank OZK Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR. I attempted to withdraw {$200.00} from my checking account and the process was taking a very long time and the machine was making sounds that I have never heard before at a ATM. I then called the bank as I sat in my vehicle at the ATM to report a problem with the machine. The ATM then displayed the message " Your transaction can not be processed at this time '' and returned my debit card. I then went into the branch and let them know the ATM was malfunctioning and also made a withdraw for {$200.00} from the teller. I also filled out a report with the teller on what had happened. The {$200.00} that I never received was already withdrawn from my account. She was very nice and professional and did a wonderful job. I then came back the next day and did another report. Today is XX/XX/XXXX and my account has never been credited with the {$200.00}.
Product: Consumer Loan

I requested an extension for my car payment for the month of XX/XX/XXXX. American Honda finance told me they would call me back about it and it should be no problem. I received a call back stating I would need to pay the late charges associated with the account before I can be granted an extension. I made my full car payment that date which happened to be one day late. ( XX/XX/XXXX day ). They never reported it late. The next month ( XX/XX/XXXX ) I paid my full car payment on the XX/XX/XXXX day. American Honda reported it late 30 days. I disputed the XX/XX/XXXX late charge and American Honda came back saying it was validated and added XX/XX/XXXX late also. I have never made a 30 late payment for the XXXX cars I financed in my life time.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( 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.

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: Debt collection

Dear CFPB, I am writing to dispute the debt collection attempts made by PORTFOLIO RECOVERY ASSOCIATES XXXX XXXXXXXX # XXXX. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any inaccurate information on my credit report and to ensure that my consumer rights are not violated. THIS COMPANY IS ALSO NOT LICENSED or have any REGISTRATION in my state of Florida. 

I have been unable to find housing, obtain a loan, and secure a credit card due to the false information being reported by PORTFOLIO RECOVERY ASSOCIATES XXXX. This has had a significant impact on my ability to access these essential services and has caused undue stress and hardship. 

I demand that PORTFOLIO RECOVERY ASSOCIATES XXXX cease all attempts to collect this debt and correct the inaccurate information on my credit report immediately. I expect a prompt response from the CFPB in addressing this matter and ensuring that my consumer rights are protected. 

Sincerely, XXXX XXXX
Product: Debt collection

i accept the claim, disputed, asked to verify, never recieved anything
Product: Debt collection

For about 5 years at the least I have been receiving letters of demand from Pioneer credit recovery.First I almost got kicked out of my previous apartment because of this and something about bad checks written in Texas.My landlord & myself both faxed over my license with my social security number.To this day I am still receiving letters with case numbers.Once again. This has went on for YEARS..I have financial problems myself and this is very over whelming. I worked with children for 7 years so to have a XXXX case hanging over my head definitely left a bad taste in my ex bosses mouth
Product: Checking or savings account

SunTrust has been actively preventing me from from closing using predatory and abusive behaviour. By preventing me from closing the account by phone SunTrust is also discriminating against me ( ADA act ) as I am currently mobility impaired and can not currently get to a branch. 

I have made over 8 ( yes eighXXXX ) calls and have waited on the phone 30-50 minutes until the line gets disconnected. I can provide phone records. 

Please let me close the account!!!
Product: Debt collection

At XXXX pm cst on XXXX/XXXX/XXXX, I called XXXX to contact them regarding notices of XXXX debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.