23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found two late payments being reported. As a XXXX XXXX with XXXX XXXX XXXX, I was relocated by the company to the XXXX XXXX XXXX XXXX for one year. As part of this agreement the company purchased two cars on my behalf but the company assumed full responsibility for making payments on the associated car loans through TDAF. For insurance purposes, I was required to take the car loan out in my name. However, the company paid the bill each month as part of my compensation and they took full responsibility for these payments being made on time. 
when the loan was first set up in XXXX, XXXX XXXX XXXX set up auto pay but due to an error the account was not debited in XX/XX/XXXX. Then after all that we successfully set up auto pay and everything worked smoothly until XX/XX/XXXX when the car was sold and the payoff was received by TDAF, Unbeknownst to XXXX, TDAF noted a small balance on the account due to an administrative fee and never notified us until there was subsequent bill that came in the mail after the fact. We were shocked yet again to see that another late payment was reported for XX/XX/XXXX. 
As you can see, I have a perfect credit history except for these two items on this same tradeline. I am very upset with TDAF, I have highly disputed these two late payments. Its causing me and my family extreme stress, due to the fact that credit is so important and effects every aspect of my life. TD AUTO FINANCE ACCT. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a XXXX XXXX collection account that appears on my credit report in the amount of XXXX. I am not aware of this account or company
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted. I am aware that you are obligated, under 15 U.S.C. Sec. 1681i ( a ), to complete this reinvestigation within 30 days upon receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.
Product: Debt collection

This Complaint is in reference to FCRA Section 623 ( a ) ( 1 ) ( C ) & CA Civ Code 1785.25 ( 2022 ) Proof of Inaccurate and Misleading Credit Reporting From One 3rd party Collection Agency reported as an Original Creditor of which they aren't, Paramount Recovery Systems acquired the XXXX XXXX account from XXXX XXXX XXXX XXXX XXXX After which Paramount Recovery deliberately and knowing Posted inaccurate Information to my Credit file, Please review the attachments as proof of the of this FCRA Violation, A 609 Letter has been generated to be sent by mail in regard this to matter to PARAMOUNT RECOVERY SYSTEMS
Product: Credit reporting or other personal consumer reports

I called capital one credit XXXX to close the credit account that was opened under my name on XXXX XXXX 2025 and they closed it but they have not sent me confirmation that it was closed. I have placed a freeze on my credit and need this hard inquire off of my credit as that I am building a house soon and need this taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies including Equifax, XXXX, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave XXXX, Equifax or XXXX permission to put the following accounts XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX on EQUIFAX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

Equifax, XXXX, and Equifax are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A. 

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.
Product: Debt collection

AR Resources is trying to collect on four {$25.00} accounts that have been previously paid. I provided them proof of payment within the 30 day requirement and advised I was disputing the validity of each debt. They never responded.
Product: Vehicle loan or lease

Subject : Request for Resolution of Auto Loan Account Issues Dear Wells Fargo Auto, I hope this message finds you well. My name is XXXX XXXX and my account number is XXXX. I am writing to address several concerns regarding the handling of my auto loan, account mismanagement, and its impact on my credit profile, and professional life. 

In the latter part of XXXX, I acquired a loan from Wells Fargo Auto for the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX  in XXXX. Regrettably, following the loan acquisition, my account experienced mishandling, including being placed on multiple deferment programs during the peak of the coronavirus pandemic. Representatives often advocated for these deferment programs, resulting in the continuous reporting of late or overdue payments to the three credit bureaus. 

Despite my persistent efforts to rectify the situation through multiple calls to Wells Fargo Auto, my attempts to resolve the issue and prevent negative credit reporting proved unsuccessful. Furthermore, my attempts to set up automatic payments and discuss alternative payment arrangements were met with challenges, exacerbating the situation. 

The mishandling of my auto loan has had severe repercussions, adversely affecting my credit, hindering my ability to secure new credit, housing opportunities, and employment. I am currently facing the imminent risk of job loss and housing insecurity due to the lack of a payment arrangement for the settlement amount, currently at {$18000.00}. 

I am requesting a fair and positive resolution to this matter, specifically the prompt removal of my Wells Fargo Auto loan account from my credit profile. Additionally, I kindly request an adjustment of the reported loan amount to reflect the agreed-upon settlement amount of {$18000.00}. To facilitate this resolution, I propose a payment plan of {$1900.00} per month for four months, totaling {$7400.00}, and I am earnestly seeking an acceptance letter from Wells Fargo Auto acknowledging this arrangement. 

The provision of such a letter is crucial, as it will allow me to present a clear understanding of the payment arrangement to my employer and housing development, averting the potential loss of employment and housing. I understand the importance of fulfilling my financial obligations, and I am committed to resolving this matter amicably. 

I kindly request your prompt attention and cooperation in providing the necessary documentation to facilitate the agreed-upon settlement and ensure a positive outcome for all parties involved. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX  and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from XXXX  stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since XXXX  has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to XXXX  and to Enhanced Recovery on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report or I believe someone applied for something in my name
Product: Student loan

Originally had XXXX XXXX through XXXX. 

Submitted Borrower 's Defense Application- so my loans were on administrative forbearance since XX/XX/XXXX XXXX with XXXX XXXX ( Aidvantage ) in XX/XX/XXXX loans are not on administrative forbearance anymore since XXXX. 
Aidvantage is now making me to pay monthly even though I am qualified to have my loans discharged AND I have a borrower defense application that has not been processed yet. 

I have tried contacting XXXX XXXX XXXX and my loan servicer AidVantage on when my discharge will be processed. I went to the XXXX XXXX between the dates XXXX XXXX, XXXX, through XXXX XXXX, XXXX. No one will answer any questions, I have not been put on forbearance until it is discharged. XXXX XXXX tells me to contact my loan servicer, my loan servicer tells me to contact XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that my account ending in XXXX with Chase Bank USA had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXXXXXX XXXX XXXX  be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported 15 unauthorized inquiries on my credit report
Product: Credit reporting or other personal consumer reports

During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late. I am appealing to have these taken off my account as they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.HARVARD COLLECTION IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXX XXXX  IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three credit reporting agencies- XXXX, XXXX and Equifax are incorrectly showing my XXXX XXXX student loans as open. I applied for public service loan forgiveness and on XX/XX/XXXX, all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account XXXX That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX- {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.
Product: Credit card or prepaid card

A balance transfer check was issued to Walmart Mastercard and the check was mailed to the wrong address. The check was received by Synchrony Bank instead of XXXX XXXX as intended. The check was cashed XX/XX/XXXX by Synchrony Bank in the amount of {$5000.00} check number XXXX. Multiple attempts to have the money returned to the correct account have failed. Called Synchrony Bank on XX/XX/XXXX and was informed to fax a letter requesting a refund. Fax letter with a copy of the cashed check XX/XX/XXXX. Faxed letter and check again XX/XX/XXXX. Called Synchrony Bank again XX/XX/XXXX and was again informed to fax a letter. Faxed letter and copy of check again XX/XX/XXXX. Sent letter and copy of check again XX/XX/XXXX and XX/XX/XXXX. Each time I have called I requested a manager or supervisor and was informed the call can not be transferred to manager. Customer service has been no help in resolving this issue. Was also informed that if there is no account number with Synchrony bank they can not help.There is no account with Synchrony Bank becasue the check was sent to the wrong bank in error. I explained the balance transfer check was sent to them in error and the funds need to be returned. The faxed letter has all the information needed to send the refund.
Product: Debt collection

My husband, mother, and brother were all contacted looking for me. They spoke to my husband in great detail about my debt. I received a voicemail today stating that they would proceed with financial judgement and told me this would affect my ability to be employed or get a bank account. 

I closed a bank account in XXXX of 2020 with Georgia XXXX XXXX XXXX. 
Before I closed the account, I paid XXXX {$18.00} for a web subscription. 
According to Allied Consulting, the check processing company that XXXX uses, ( XXXX ) paid XXXX. They allegedly waited one week before withdrawing the funds from my account. When they tried to withdraw funds for themselves, they were notified the account was closed. Since my XXXX account was up to date, I never received notification that XXXX had not been paid. XXXX never contacted Georgia XXXX XXXX XXXX or me. They sent my {$18.00} charge into collections. 

They claimed XXXX sold this debt to Allied Consulting, and that they tried to send a letter to an old address for me notifying me about this debt. I did not receive any communication about this debt. 

XXXX from Allied Consulting stated I owed {$260.00}, but could settle today for {$100.00}. 
They threatened me and said that if I didn't pay the {$100.00}, they would file a financial judgement today and I would incur up to {$700.00} in attorney 's fees. I paid the {$100.00} to get them to stop calling my family. 

Georgia XXXX XXXX XXXX has NO RECORD of XXXX attempting a transaction from the dates they mentioned. 

My Credit Report shows no records of a debt from Allied Consulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the balance of the debt was paid in full. As of XX/XX/2020 I called the institution with an attempt to update my credit report and have the collections removed from my credit profile, but the very polite customer service agent made me aware that this type of issue is beyond her scope of business. As a result, I am now asking that the account be removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report inXXXX XXXX, XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the companies with no response and no proof of ownership it is against my rights and HIPPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XXXX XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access XXXX  and XXXX, but I received a summary from TransUnion, but not a complete report. This happened on XXXX XX/XX/XXXX. 

The TransUnion did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with TransUnion, but the Website did not proceed past a certain point. 

Accordingly I called TransUnion this morning to dispute the item by phone. This happened today, XXXX XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XXXX XX/XX/XXXX. 

Regarding XXXX  and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding them.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX 

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: Money transfer, virtual currency, or money service

I got my unemployment pay on a US Bank Relia Card debit card from Texas Workforce Commission and set up my online access to the card and about two weeks after getting the card set up I was going to buy a truculent with the funds, well I go to the ATM to withdraw the money and the ATM told me wrong Pin Code so I tried again same thing wrong pin so I grab my phone at the ATM try to log into the app for US Bank Relia Card and the app tells me wrong Username and password so I knew my account had been hacked because I did not change my username or password do I called US Bank Relia Card standing rite there at the ATM had them lock my account rite then they started asking me about some transactions and I told them the transactions that wasnt mine and we proceeded with the dispute well they send me the dispute papers for me to sign and return I got them about 10 days later I signed them and returned them while calling Relia Card almost Daily Collecting Information and they tell me the transactions the dates and type of transactions and tell me a email address to the person who did this and even proceed to tell me how whoever has put in an address change and I tell them that isnt me I did not put in for a address change so they have me send my Id to be verified so I sent the Id numerous times bc they would claim they did not get it or I was given the wrong fax number even by a supervisor so this hold on my card started XXXX XXXX and as of today XX/XX/2021 my card is still locked due to my card having more money taken from it again the first time it was two transactions for XXXX each totaling XXXX dollars the second time it was XXXX transactions totaling XXXX dollars for a grand total of XXXX XXXX XXXX XXXX XXXX Dollars and just to be told again they did not see any foul play in my account when I was on the phone with a representative from US Bank Relia Card on XXXX XXXX and he was the one told me that money was being removed from my account rite now while we was on the phone but yet they tell me they did not see any foul play in my account I believe this US Bank Relia Card should be Responsible for replacing all of my money that was done by bank transfer because if you trace the bank accounts you will come to find out that is not me and I feel that Relia Card did not do any investigation at all in my case do they do not have to pay the money back so if someone can look into this further for me I would appreciate it a lot.