23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caller on XX/XX/2022 @ XXXX XXXX XXXX indicated they were calling from a debit collector. The number the company was calling is utilized for business and is accessible outside of the party they are attempting to contact. This violates said party 's rights by establishing this individual has a debt and others are contacting them to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Checking or savings account

Good evening my name is XXXX XXXX ive been a wells fargo customer since XXXX late XXXX i got a lawsuit settlement brung a XXXX XXXX check too bank they held funds for 3 weeks after three weeks i attepted too go with draw funds and they told me i couldnt withdraw but XXXX XXXX that day no issue i tried yoo go back later on that week too make anoyher wothdrawl and my account was frozen it was frozen for almost a month and at same time noticing my money being taken out in big increments almost XXXX XXXX find out account was levied which wasnt not suppose too be around XXXX XXXX XXXXmy acount was closed because of fraud activity caught by the bank they set me a account for too keep idenity safe after that later on in XXXX inrecived my XXXX settlement then account froze agian and money was withdrawed around XX/XX/XXXX just last year my account had too be changed because it was unknown XXXX transfers and also other withdrawls coming frm.unknown places out of my account i called the bank they told me too set up a whole new account this had been ongoing atleast over 10 times throughout the 4 year relationship with them which my ssa benefits not suppose too be touched someway somehow my.account still got managed too let withdrawls happen on there accord wellsfargo is my bank i have alot more.info dont know how much i need too write also i have proof of statements letters
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 
RE : XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of two student loan accounts by XXXX and TransUnion. Despite my request for verification, neither bureau has provided documentation to substantiate their claims, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : US DEPT ED ( Account Number : XXXX ) ** with a reported balance of {$23000.00}. 
US DEPT ED ( Account Number : XXXX ) ** with a reported balance of {$12000.00}. 
Both accounts are being erroneously reported as open and carrying balances, despite documentation I have attached showing a {$0.00} balance for both. Additionally, you are falsely reporting that these accounts were in collections, which is untrue. This inaccurate reporting is harmful and illegal. 

I am demanding that these accounts be immediately updated to reflect the correct status : paid as agreed, never late, and with a {$0.00} balance. XXXX has already removed this inaccurate information due to a pending lawsuit, and XXXX is also under fire in a separate CFPB lawsuit for failing to properly investigate or remove errors from consumer reports. 

If XXXX and TransUnion fail to update this information within 30 days, I will pursue legal action for noncompliance with federal law. I have attached supporting documents that clearly show the inaccuracies and proof of the correct account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing tonfileba complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Debt collection

The below complaint was marked as a duplicate when it in fact is not, CCS ( XXXX XXXX XXXX ), requested more time to respond to this complaint in XXXX, on or around the XXXX, marked it as a duplicate today, XX/XX/XXXX. This complaint pertains to XXXX XXXX adding on additional amounts to my auto policy from prior policies which I believe CCS bought from them.. XXXX XXXX is still attempting to collect on these debts despite being invalid and sold off.. 

XXXX XXXX claims I owe them for past policies which were supposed to be canceled as per my request before additional coverage, resulting in a balance owed. It appears my request was not honored at the time and or canceled later for whatever reason, non-payment, etc.. A balance was generated as a result of this and XXXX XXXX sold the items, four in total, to CCS . I was contact by CCS for payment on each policy, the above info was explained each time and CCS stopped collection efforts. XXXX XXXX has added on the amounts in question to my current policy, please see info below ... XX/XX/XXXX Cash Transferred To/From Policy {$1000.00} XX/XX/XXXX Cash Transferred To/From Policy {$2800.00} XX/XX/XXXX Transferred Balance from Prior Period {$2200.00} XX/XX/XXXX Transferred Balance from Prior Period {$380.00} I do not have the policy numbers available to me. It appears XXXX XXXX is attempting to collect on old, invalid, charged off debts. In a prior complaint, I requested CCS to confirm this information, if they in fact purchased these debts from XXXX XXXX or not. My request was ignored, they addressed another issue in that complaint but did not confirm or deny if they had purchased these debts from XXXX XXXX. I need this information to forward on to an attorney for an investigation, XXXX XXXX is attempting to collect on old, invalid, charged off debts. Secondly, they claim CCS is their in house collections Dept when CCS is not located at the same address and does not have the same number as XXXX XXXX. I believe they claimed this so as to hide the fact they sold the above mentioned policies to CCS.. I need CCS to confirm whether or not they are in house collections for Liberty Mutual, I do not believe they are as CCS handles accounts for other insurance companies such as Progressive as well
Product: Debt collection

The company put paid and closed on the account, and they keep changing their dates by updating it each time I dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX, to update my personal information name & address. However these Credit Agencies has not updated my only true and correct name or address by law. I sent in a copy of my drivers license & a bill with my address correct and only name, however changes are not currently updated. Consumer Reporting Agencies have to follow the law and report accurate & correct information to protect my personal information.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX XXXX account through Barclays. The account was opened in XXXX. I was given a credit line of {$14000.00}. I have always made my payments. I have XXXX children under XXXX so things can get tight and the card was basically maxed out for some time. Again, I still made my payments. On XX/XX/XXXX, I made a payment of {$14000.00} this brought my balance below {$2000.00}. I wanted to pay that large amount so we would have a credit card with a good credit line for emergencies. This is/was my highest credit line. Today XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, after I made this enoumous payment that Barclays was reducing my credit line to {$2400.00}. I know they " base '' it on credit reporting or all the other made up things banks use, but this is a very dishonest, almost fruadulet way to do business. Barclays had plenty of time to reduce my balance well before I paid $ XXXX. But, NO! As soon as I pay that large amount Barclay 's drops my credit to basically nothing in the case of an emergency situation. I only paid such a large amount to one card specifically to create a safety net for my family. If I would have know this is how they conduct business, I would have probably done things much differently with that {$14000.00}. I had to jump through hoops with the banks to even get that money. It was a home equity loan. What they did is not right and I know Barclays has all the proper responses. But anyone looking at this at face value would agree that what Barclay 's did was wrong. I feel as if they stole {$14000.00} from me. Please advise if I have any recourse. This just is not right.
Product: Credit card

Care Credit account was in good standing and paid off. They closed my account without any notice or plausible reasoning. They later cited that they did a soft pull into my credit and determined me to be uncredit worthy despite having given me the card in the first place.
Product: Credit card or prepaid card

Talked with XXXX from Capital One ( would not give last name or # ). Capital One had said they had informed customers via addendum notification in statement of 'billing cycle change ' from 28 day to 25 day. Because I had no charges during that month, I did not receive statement or accompanying 'billing cycle change ' notification. I asked for copy of that 'billing cycle change notification ' and was told they can not provide one.
Product: Payday loan, title loan, or personal loan

Loan made under my credit I did not personally apply for
Product: Credit card or prepaid card

Despite receiving my payment on the due date. The Credit issuing agency keeps charging me a late fee because it takes them several days to process the payment from the date of receipt of payment. I should not be penalized because it takes them several days to process a payment.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! I don't know why these company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 
I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. 


Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX  XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report unavailable online
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian on XX/XX/2022 that as a result of the dispute with XXXX, I received a letter dated XX/XX/2022 stating that their investigation into them reporting inaccurate and incomplete on my credit report was non-conclusive ( See Attachment A ). Non-Conclusive meaning incomplete and based 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] it states that any account found to incomplete and whose accuracy or incompleteness can no longer be verified or any notation as to disputed information the account must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB on XX/XX/2022 because the 3 credit reporting agencies was violating the law in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Acct # XXXX and 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 Also, I asked the reporting agencies and the creditors in these cases to validate the loan with any paperwork with m y signature on it, that proves this debt belongs to me. According to 15 U.S.C. Sec. 1681i ( a ), they have to show what methods they use and who they talk to regarding this debt, but I have not received any verification of debt and it has been over 90 days of disputing and requesting accuracy on my file, this has been exhausting and taxing on my mental, emotional and physical well being. 

the 2 accounts on my report are : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX.
Product: Mortgage

I am in the process of applying for a loan modification. My loan requires a balloon payment of XXXX, as the loan has matured. I was told by a representative that I could modify. I have the ability to continue to pay under the previous monthly terms or a new refinancing. I just dont have the lump sum amount. During this process, I have offered to make the interest payments to keep the account current. They have refused payment, yet send me bills indicating that I should make a payment to reinstate the account. They are also reporting this on my credit report, making it impossible to finance through a third party.
Product: Credit card

I received a notification stating that my information had been sold to a third party but I do not recall ever having an account with them and it is constantly reporting.
Product: Debt collection

On XX/XX/XXXX I refinanced my auto loan through XXXX XXXX XXXX in XXXX, NC. My previous auto loan servicer was XXXX XXXX XXXX. I decided to refinance with a different lender based on my credit ratings and to get a better interest rate. The refinance was done over the phone and via e-mail with the payment being deducted from my account weekly in the amount of {$95.00}. On XX/XX/XXXX my daughter had an accident in my vehicle which resulted in a total loss of the vehicle. I didnt find out until the day of the accident that I didnt have full coverage on my XXXX XXXX XXXX XXXX I was insured by XXXX XXXX with full coverage on my vehicle up until XX/XX/XXXX. The coverage was dropped & changed to just having liability on the vehicle due to my driving history. Not realizing that this had happened since my payments were on auto pay. I decided to refinance my vehicle with XXXX XXXX XXXX 6 months later since they were offering a refinance special for their members. After the accident I contacted XXXX XXXX XXXX and spoke to the loan officer about my options going forward. I called XXXX XXXX and they insured me that there was nothing that could be done on their behalf and to call my lender to see if they had a force placed policy on my vehicle. The loan officer stated that they didnt have any insurance of that type on my vehicle. At this point my only option was to surrender the vehicle because it wasnt drivable. I called and they had a tow truck to come out and pick up the vehicle and I had to stop payments on my account after I no longer had the vehicle. On XX/XX/XXXX I received an email from the loan officer about the final details on the auto loan. It stated that the car sold for {$3700.00} and their XXXX insurance paid {$10000.00} and it left a balance of {$810.00} on the loan and was asked would I like to setup a payment plan to get it paid off and that we could do {$25.00} a week. My ending balance on my auto loan was {$14000.00}. Two weeks after I no longer had possession of the vehicle. In XX/XX/XXXX I received a hit on my credit report for a collection added in the amount of {$11000.00} from a collection agency XXXX XXXX and XXXX. After finding out that it was XXXX XXXX XXXX that sent my account to collections Ive tried contacting them to see why my account was in collections for an amount that was different than what was discussed. From the 1st day that I signed this contract I was in breach and I was never notified about not having the proper insurance and that I had a force placed policy on my auto loan. I feel like Im having to suffer from the lenders carelessness with my auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2018 I requested an Employment Data Report from TheWorkNumber online. I received and read the report which includes all of my employment data sent to The Work Number by my employers. The report lists " verifiers who have procured your data in the past 24 months. '' In this section, an organization nondescriptly identified as " XXXX XXXX XXXX XXXX  '' requested my information two times on XX/XX/2018. To my knowledge, I did not authorize any such request. 

The report specifically says that " if you need further assistance or wish to dispute any information in your Employment Data Report, please contact our Client Service Center at XXXX Monday through Friday XXXX XXXX. Please reference case number XXXX. '' I have called this number several times asking for more information about what is the " XXXX XXXX XXXX XXXX  '' that made two requests for my Employment Data Report on XX/XX/2018, because to my knowledge I did not authorize any such requests because I have not applied for any credit cards nor have I applied for an increase. 

My first issue is that when you call this number, no one in any of the departments that I was transferred to recognized the reference case number, XXXX, that is provided on the Employer Data Report with instructions to contact the Client Service Center at the XXXX phone number. I was actually transferred nine times back and forth between three departments, Disputes, Verifications Research, and Equifax : who all said that they could not provide any information to me about the two requests on XX/XX/2018 from " XXXX XXXX XXXX XXXX  '', and who all did not recognize the case number. The only recourse I was offered every time was to be transferred to another department, and invariably receive the same response over again. 

My second issue is that I believe I have a right under the Fair Credit Reporting Act to receive an explanation or at least be provided with more information about what is the " XXXX XXXX XXXX XXXX  '' and why two requests for my employment data report were made on 02/13/2018 and if my Employment Data Report was released or not released to the " XXXX XXXX XXXX XXXX. '' I find it extremely troubling and inconsistent with the Fair Credit Reporting Act that I can not be given any more information or counseling on how my information XXXX be shared by The Work Number Service Team when you call the Client Service Center at XXXX.