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

Company states i XXXX XXXX wS the co-signer on the original contract @ the time my credit score was very low and i was told i needed a co-signer by XXXX XXXX XXXX, so XXXX XXXX co-signed on the contract!! i was also told that XXXX XXXX required a down payment as stated in the contract truth and lending disclosure box # 5 the contract has wet signatures in wrong location without our knowledge which caused hardship on me XXXX XXXX each box has a different amount why is that this contract is fraudulent as i have stated to XXXX XXXX along with the CEO XXXX XXXX was made aware as well according to FCRA 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX months reported on my credit profile thru Equifax XXXX XXXX sent a letter to Ceo XXXX XXXX stating he was the co-signer on the contract cfpb im asking you to investigate further into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian for three months about the XXXX XXXX docket number XXXX which is in a dispute now and has not been removed I have prove that they contacted the source, XXXX XXXX that was reporting this public information that was not mine and XXXX deleted this information since XXXX.
Product: Credit reporting

After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX XXXX  {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00}XX/XX/XXXXXXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance
Product: Student loan

I received a bill in the mail from Aspire for a late XXXX payment and an XXXX payment. My loans must have been transferred from XXXX to Aspire. I was not aware my loans were transferred and now have two payments to make. I used Aspire 's online portal to request my payments begin in XXXX because of the transition and only received an automated response indicating that I need to pay the bill within 30 days to avoid late fees and a credit report.
Product: Debt collection

So XX/XX/XXXX I receive an email from my bank saying that they recently received the enclosed court order, which either enforces a legal judgment against me or secures a possible judgment in a lawsuit that's been filed against me from this collections agency called Kenosian & Miele. As a result, they are required to immediately place a hold on my XXXX XXXX account for a total of {$720.00}. I did a credit report right away to see what it was for and my credit history is clean, I have no collections showing. So I call them and they say It is from XXXX, an account that hasn't been used for over 14 years it doesn't even show on my credit report. They claim it hasn't been 10 years but I looked it up and it was filed on XX/XX/2013. And never once was I contacted in all these years. And from what I been researching, the statue of limitations has already expired. And these people already took the money out of my account. I have been reading reviews about these people and everything is negative, that they are a bunch of frauds. I don't think is fair what they are doing to people collecting on old debts that don't even show on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I was sold a LEMON. '' Credit Acceptance Corporation placed inaccurate information on my Credit Report.

The vehicle was not Voluntary Surrendered.

The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of my Credit Report.
Product: Debt collection

I am writing to formally file a complaint regarding Experian, XXXX of the XXXX major credit reporting agencies, for failing to remove inaccurate and fraudulent collection accounts from my credit report. These accounts do not belong to me, and despite my multiple attempts to resolve this matter directly with Experian, they have refused to remove these items from my report. 

Here are the details of my complaint : Account ( XXXX ) amounts in Dispute : {$440.00}, {$270.00}, {$2800.00}, {$1900.00}, {$3000.00}, XXXX, {$520.00}, {$520.00} Dates of Previous Disputes : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I have disputed these collection accounts multiple times with Experian, providing clear evidence that the accounts in question are not mine. Despite this, Experian has failed to take appropriate action to correct the inaccuracies and remove the fraudulent accounts from my credit report. Experian continues to state that accounts have been verified and deemed factual but has yet to provide solid proof that accounts belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is free from false information. I have made every effort to resolve this matter directly with Experian, but they have not upheld their responsibilities as a credit reporting agency. As a result, my credit report continues to show inaccurate and damaging information, which is affecting my XXXX XXXX and my financial well-being. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action to ensure Experian corrects these errors and removes the fraudulent collection accounts from my report immediately. 

Please find attached copies of all relevant documentation, including my credit report, the dispute correspondence, and any supporting evidence I have submitted to Experian. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this issue as swiftly as possible.
Product: Credit card or prepaid card

I lost my credit card but i was able to use it on XXXX XXXX till i noticed there were purchases that i havent made to the point i cant even use my card anymore. I did make a payment regardless of it getting stolen so my score wouldnt be affected but i was too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XXXX i obtained a loan for a used car with which at the time was Wachovia ( know now as Wells Fargo ). At the time I obtained the loan I had my own insurance provider and carried full coverage auto insurance throughout the whole time I had my loan, well years later ( almost 14 years ) and unbeknownst to me Wachovia/Wells Fargo placed CPI onto the monthly note of my loan costing me thousands of dollars throughout the time of my loan. 
In XX/XX/XXXX i received a letter from Wells Fargo asking me for to verify what insurance company I was with during my loan to them 14 YEARS LATER. I DID however provide Wells Fargo with the information requested and to this date I have not received either any information or compensation for the monies that was fraudulently added to my loan without my knowledge or permission. I have contacted both Wells Fargo Office of the President and the office handling the CPI claims and to this date I have no resolve. 
It has now been over 120 days since Wells Fargo received the information I provided which is sufficient, adequate and an appropriate amount of time in which to resolve my claim and complaint. 
Your assistance in this matter would be greatly appreciated Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX.
Product: Credit reporting or other personal consumer reports

Payments that I have made never showed up on any of my credit reports properly. It would consistently show that I was delinquent when I was not. All the credit bureaus including Affirm would not fix it. Letters emails phone calls and complaints through this system never got it fixed. It is illegal to not properly post information to someone's credit report and it does not follow fair credit reporting. This loan is now paid off and I have attached the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, a person other than me fraudulently applied for a Best Buy card, resulting in a hard inquiry.. I have not been to nor applied at Best Buy in over a year! 
I disputed this claim to XXXX and they directed me to your website. 
Citibank, NA, Best Buy Citi XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX
Product: Mortgage

I made a mortgage payment plus an additional {$1000.00} to be applied to principal balance on XX/XX/year> to SLS. On that same date, SLS was taken over by Newrez LLC doing business as Shellpoint Mortgage Servicing. 
I contacted the customer service number and was told they had no record of the payment, but said my loan was current. I requested a payment history because it didnt appear that the full payment was applied to the account. I have followed up with two additional emails to which Ive received a general form letter stating they are working on my request,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to 15 U.S. Code 1635 ( Right of Rescission ), 15 U.S. Code 1692a ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ). 

Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws.

Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus.

Right to Rescind If this debt qualifies under 15 U.S. Code 1635, I am requesting to exercise my right of rescission and have this charge-off removed from my records.

Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with 15 U.S. Code 1692a, 15 U.S. Code 1681s-2, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within 30 days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within 30 days from the date of this letter in accordance with the FCRA and FDCPA.
Product: Debt collection

A few months ago, I received a call from my bank asking me if I made a purchase of {$680.00}. I never use that card s they flagged it. I told them not I'm still not using this card right now. My bank XXXX XXXX blocked the transaction. I thought it was over, however 30 days later I seen a collection on my XXXX account for the same amount. So, I looked into it. The company is called XXXX XXXX XXXX. I give them a call and they looked up this account they told me someone brought a phone in New York and sent it to an address in New York. I've never lived in New York. they also said the email did not match. XXXX XXXX XXXX told me they would look into it. Next, I called the company XXXX XXXX XXXX sold this debt to which is SECURITY CREDIT SERVICES, I asked to speak to a supervisor. The woman on the phone refused to let me speak to anyone besides her. So, I believe this company might be shady as well. I then called XXXX to file a dispute. After doing all this I've locked my credit report. But I need these false collections removed because it's hurting my score. I'm not sure what more I can do.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Debt collection

PMAB LLC is calling me multiple time prior starting at XXXX XXXX. I live in CA. They are calling to contact my daughter who lives in SC as a XXXX XXXX about a {$65.00} bill which we have never received a statement for. I have told them 3 times that they are in violation of the FDCPA by doing this but their snarky attitudes prevent them from admitting to this. After my last communication with them about this on XX/XX/18 I called back and they claim they do not have an account associated with my phone number, very convenient. They also claim they have not called me prior to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX {$31000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Finance {$8700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at the same address since I was XXXX  years old, over 55 years, and I have never used any other address. The address listed on my credit report of " XXXX XXXX ", is totally fraudulent as no such address exists and I request that it be permanently removed immediately. In fact, the U.S. Postal Service stopped using XXXX XXXX addresses many years ago due to XX/XX/XXXX. Therefore, there are no longer ant such addresses. 
I contacted Experian by letter of dispute on XX/XX/XXXX and approximately one week later, Experian refused to remove the fraudulent address.
Product: Credit card

I applied for a Paypal Credit Account through Synchrony Bank on XX/XX/2023. On XX/XX/2023 I received a denial letter stating " We regret that we are unable to approve your request at this time for the following reasons : No open real estate secured loans in your credit file ... '' Is this legal?
Product: Debt collection

Dear CFPD I am contacting you regarding the collection agency Suburban Credit Corporation. I had 7 negative items items hit my credit reports on XX/XX/XXXX. I was not contacted by this company until today XX/XX/XXXX in writing about the debt owed. The FCRA protect consumers from this business practice which would have given me notice of the debt to determine if it is in fact valid or not and it also gives me 30 days to do so. 

I have attached a copy of the letter that I received today XX/XX/XXXX. This is a unlawful business practice on behalf of this collection company. Also they separated total balance of {$260.00} into 7 different negative items. 

They did not send me any communication prior and demanding payment for something I wasn't even aware of. 

The letter attached is dated XX/XX/XXXX which is the first communication that I have received regarding the alleged debt.
Product: Money transfer, virtual currency, or money service

I found an unauthorized transaction occurred by XXXX app. I never had any XXXX account and never connected to this XXXX to my checking account. But the bank authorized this fund to the XXXX without any confirmation.
Product: Credit reporting or other personal consumer reports

I did not authorize or applied for a credit account from XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX. After disputing these inquiries I was stone walled with letters indicating that the inquires were valid and verified while in fact they are not!
Product: Payday loan, title loan, or personal loan

I applied for a pay day loan with XXXX XXXX XXXX. I had some additional issues that prevented me not to be able to pay on XX/XX/XXXX. I called in and spoke to a customer representative a few days prior, which I requested an additional 2 weeks. He told me that he would extend it and I had to call in no later than XX/XX/XXXX to extend it for a few more months as I had to take a state accredited credit counseling course which then I would be given me almost 3 months to repay the loan in installments. Well, I called in on XX/XX/XXXX approximately XXXX XXXX and told the rep that I spoke to that I had taken the credit counseling course and I was calling to get an installment plan, she spoke to me for approximately 10 minutes or so than she told me to hold on so she can verify the documents. She kept me on hold for another several minutes and then verified they received and then she informed me, I will receive a new contract with the installment loan by email. I received an alert the following day and it was an overdraft on my account because XXXX XXXX XXXX  debited my account on XX/XX/XXXX when they were not supposed to. I called in on XX/XX/XXXX and requested to speak to a supervisor and someone named XXXX answered. I explained that I was extremely upset, because I took the course and called in and did everything I was supposed to do and you debited my account and not only that, I have a {$35.00} overdraft fee applied by my bank. XXXX, had me on the phone almost and hour and she told me, I did not do a state approved counseling course, I said it was as this is the same course that I took once before and it was approved by your organization, then she said that I did not provide a completion sheet, I said the information is the same I submitted prior that was accepted, then she said, I was supposed to provide an appointment letter first, I said I did not before, I just took the course and was approved. Then she said I called in after XXXX, I indicated I did not, your representative kept me on the phone until after XXXX. She came up with every excuse to attempt to point the finger at me, when their company dropped the ball. I asked her to reverse the debit, she said she could not. Then she said, I could reapply, why in the world would I do that, I am disputing with my bank and expecting them to give me the payment plan that I should have had to repay them. I have used this company before and never had this issue, I always paid. I do not plan on using them again. I even asked for my banking information to be removed as I do not trust the company after debiting my account hen they were not suppose to, she indicated she could not delete my banking information which is not right. It seems I am going to have to put a block or change my banking account information. I asked her for a corporate contact, I was informed it was no need as the complaint would be redirected to her.