23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2023, I received a notice from Genesis claiming I owed a debt of {$75.00} related to my tenancy at XXXX XXXX. I formally disputed this debt on XX/XX/2023, citing unresolved maintenance issues during my tenancy, which, per my lease agreement, entitle me to compensation that exceeds the alleged debt. Despite this, Genesis proceeded to report this disputed debt to the credit bureaus, negatively impacting my credit score.
Product: Checking or savings account

On XX/XX/XXXX i emailed XXXX  about having my account unfrozen. I was then emailed back that i violated XXXX terms and my account was permanently deactivated. I was left confused with no idea what possibly could havd happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I found several inquiries from your company that I never agreed to, and its honestly outrageous. These inquiries are dragging my score down, limiting my financial options, and adding unnecessary stress to my daily life.
Product: Debt collection

Approximately 14 months ago I noticed XXXX fraudulent credit cards on my credit report. XXXX Was resolved quickly. The other card, TXXXX XXXXs still on my credit report despite multiple calls, documentation, etc. This card was not opened by me. The XXXX XXXX XXXX XXXX department ( XXXX XXXX XXXX ) reported that the card was marked as fraudulent and would be removed from my credit. This has not been the case. It shows up Negatively on my credit report as " Account charged off ''. XXXX XXXX XXXX XXXX department states that they can not help me any further as they have already issued a letter stating that the account was identified as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 has also states a consumer reporting agency can not furnish a acount without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including Floridian 's own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by ASC servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for 18 months, received a Truth and Lending signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a Pick-A Payment loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding the unlawful disclosure of my student loan records to an unauthorized third partyXXXX  XXXX my student loan servicer. This breach violates federal data privacy protections, including the Family Educational Rights and Privacy Act ( FERPA ), and represents unfair and deceptive practices under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

Details of the Violation My personally identifiable student loan information was accessed and disclosed without my consent, violating my rights under FERPA ( 20 U.S.C. 1232g ) and 34 C.F.R. 99.30.

The exposure of my financial records has subjected me to potential identity theft, fraud, and unauthorized access. 

My loan servicer has refused to acknowledge the gravity of this breach or take any corrective action, forcing me to remain obligated to a loan agreement that has been fundamentally compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. Tek Collect Inc/ XXXX XXXX XXXX Amount {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, I posted the attached CFPB complaint on XX/XX/2023. 

In the complaint I stated these below hard inquiries needed to be removed do to fraud : - XXXX XXXX, XXXX XXXX XXXX - XX/XX/2023 - XXXX XXXX  - XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 In your attached response you stated all were removed. 

These are not removed - these still show on my credit report - see attached. 

Please have all of these removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Vehicle loan or lease

I have a loan with Audi FInancial. I have requested paper statements ; however, they do not send me statements - presumably because I have paid ahead and so no current amount is due. Further, when I go to the website there are no current statements online ; nor does the website give the current balance anywhere so it can be checked or verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be removed.
Product: Checking or savings account

I opened my account with Bank of america ever since then they have been wrongly denying me my rights to my own accounts I asked for debit cards and never received any cards making it even harder to access my own money I am a mom with kids and need to have access to my money to provide my children 's basic needs they treat me differently then other customers everytime they emotionally caused me severe harm as their customer everytime I need access to my own accounts they give me problems to access my own money repeatedly its causing me and my children harm financially they treat me very differently then their other customers intentionally and never send cards for me to be able to access my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  # XXXX The above account is not my account. I have no knowledge of this account. I have reached out 5 times to the credit bureau asking them to remove this accuracy. FRCA states all information should be 100 % accurate and true! XXXX XXXX XXXX is not my account and I demand that it be removed off my credit report. The credit bureaus has not responded and this false account need to be removed immediately.
Product: Money transfer, virtual currency, or money service

Its been plenty of Times transactions was made that i havent authorized and i couldnt reach out to anyone to solve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased from XXXX to a XXXX for incorrect information that was added to my XXXX credit report. It now states that I owe {$33.00} dollars which is most definitely incorrect information added onto my credit report by XXXX & that is absolutely Innacurate. The {$33.00} was a payment I made with my XXXX XXXX XXXX credit card towards one of my bills, and instead its showing as a debt I owe on my credit report. And for this silly error done by XXXX my credit score was reduced and decreased by XXXX points unnecessarily due to XXXX error. I need this fixed asap please. And I want my score back to the XXXX I had. Ive been paying off my student loans and its definitely not being correctly or accurately reported to none of the three credit bureaus by AidVantage. My credit score should not have been reduced by XXXX points by XXXX. If anything it should have increased instead. My current total correct balance for my student loans is {$3300.00}, and its not being accurately reported to any of the three credit bureaus by AidVantage and the wrong amounts/balance ( s ) are on all three of my credit reports with all three major credit bureaus XXXX, XXXX, and XXXX. I need this amount updated on my credit reports with all three credit bureaus please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, XXXX 's payment history shows paid on time for XX/XX/XXXX. 
The first XXXX days late was reported XX/XX/XXXX. Where is the XXXX days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The XXXX report does not show this account sold. 
According to XXXX and Experian reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. XXXX and Experian are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and XXXX is reporting the balance as XXXX The account opened in XX/XX/XXXX XXXX shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON XXXX report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

The amount on all three of the credit reporting bureaus are more than double what I currently owe on my account balance. I currently owe around XXXX and it is showing XXXX on my credit report. I have put in multiple disputes and contacted the company multiple times and nothing has been resolved. This is affecting my debt to income ratio and my ability to own a home and a car. I need this to be resolved as soon as possible.
Product: Checking or savings account

I made a deposit on Friday XX/XX/2022 of {$3800.00} cash at First Financial Bank ATM located at XXXX XXXX XXXX XXXX XXXX, TX XXXX. The ATM took the money but did not process the deposit and did NOT give me a receipt. I went inside and spoke to a personal banker, XXXX XXXX. She told me that I would have to wait until Monday, XX/XX/2022 for this to be investigated. They did not balance the ATM until Thursday, XXXX XXXX and I received a call from XXXX XXXX saying they only found {$880.00} of the XXXX. Another company by the name XXXX comes to balance the ATM so First Financial never did an investigation themselves. XXXX XXXX informed me that there was nothing more they could do for me. I am still missing {$2900.00} of my money.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was reviewing my XXXX checking account and noticed I had Non-sufficient fund transactions ( NSF ) actions on XX/XX/XXXX, XX/XX/XXXX where there were clearly enough money to pay the minimum payment amount that I authorized to be withdrawn monthly for my minimum payment amount to Sears Citi. I called my bank to address the XX/XX/XXXX and XX/XX/XXXX transaction and they agreed that something clearly was not right about the transactions being that there was ample funds in my account, and all of the previous authorized monthly payment from Sears were withdrawn from my account ok. Unsure what happened they agreed to investigate. On XX/XX/XXXX, I checked my XXXX bank account for review and noticed another NSF fee from another Sears transaction dated XX/XX/XXXX. At that moment I immediately phoned Sears ( recording stated call was being recorded for training purposes ) to find answers on why my authorized minimum payment was not being withdrawn from my bank, and why I was accumulating NSF transactions when there is clearly funds in my account. The representative then informed me that Sears was attempting to make a withdrawal from my XXXX account in the amount of XXXX dollars for the balance of a promotion from XX/XX/2016, which I did not authorize Sears to withdraw any money from my XXXX account at the end of the promotion. I never received any call or mail correspondence in regards to authorizing Sears Citi to withdraw money from my XXXX account for balance from a promotion, and found this action to be truly unlawful and warranted legal action with punitive damage ( recurring NSFs can be detrimental to my home buying process, employment, and my good history with my bank ). Decided to contact CFPB to ensure that myself and other law abiding citizens are not being tricked, as well as have unlawful, unauthorized bank account withdrawal by Sears Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a car in my name from the SAME company I have a car with now. I found out they opened this account before I got my car so I 1st of all don't understand how I was even able to open an account when the person who stole my identity was already in default in the car they had in my name with the SAME company. Also after having this company send me the contract and paperwork it isn't even MY social the person used. They used my address, date of birth, and name but a TOTALLY different social. HOW is that even possible? I filed a police report and an identity theft report and disputed it with all 3 bureaus. XXXX and XXXX deleted it IMMEDIATELY so they CLEARLY did their research and seen it isn't even under MY SOCIAL. Equifax deleted it as well and then a month later ADDED IT BACK which makes NO SENSE to me and has me LIVID. I have 3 auto loans on my credit report that are all in GOOD standing and never been late. This is not even something that I would do and should not be held liable for something someone put in my name and a different social. It obviously wasn't me if the social is incorrect and it should be the company 's fault for even opening an account in my name but a different social.
Product: Credit card or prepaid card

Point of Grievance : Bad faith business, and seeming " bait and switch ''. AmEx XXXX XXXX promo offered XXXX XXXX XXXX points with a {$2000.00} spend within the first 3 months of signing up. This was *not* honored. 

XX/XX/XXXX - I called American Express with interest in signing up for the XXXX XXXX card. I wanted to know whether I'd a. ) be able to receive the bonus and b. ) if, when I sign up I'd be able to receive the card number to make a purchase immediately. I was told a. ) yes and b. ) they can't guarantee whether I would receive a card number immediately as it's system generated. They asked if I'd like to sign-up over the phone and I told them no, that I would do so online. 

I signed up -- there were no pop ups stating I was not eligible for this promo. Immediately after signing up I signed up for a XXXX XXXX number and after, receiving the card number, on XX/XX/XXXX I booked a weekend at the hilton for over {$2000.00}. 

The card was paid off in full after receiving the first statement. I only have three cards with American Express. I don't " game '' the system and all cards are active and used base on the situation. 

It has been numerous phone calls with AmEx with no resolution. If I was ineligible for the promo I should have been told before my credit was pulled and before I spent any money on the card or hotel. Further -- I should be told exactly why I can not receive the promo. The best I've received is that " it is declined ''. 

This is bad business. It's business done in bad faith if AmEx can not be transparent. And it borders on fraud if it's a " baith and switch '' which is very much seems to be.
Product: Debt collection

I called on XX/XX/XXXX to request an electronic and paper statement of the debt owed. I called back in XXXX XXXX about this, but I never received anything. Today I asked for anything showing the debt balance and the account number so I can take it to my consolidation company. Please help. The last four of the account are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. 
On the above dates I have submitted dispute to Experian in regards to an bankruptcy on my credit report. I submitted documentation from XXXX XXXX to Experian because its stated they verify my information with XXXX XXXX. I even inform Experian that its illegal For them to contact a third-party regarding someones personal information. Experian is supposed to do the investigation on their own. I submitted the documentations that I receive from XXXX XXXX that there is no bankruptcy on their end regarding me. Experian failed remove the bankruptcy even though I submitted documentation. I would like this to be removed off my credit report. I have been deny credit because of this reporting on my credit report. Im unable to get certain things due to this being on my credit report. And I would like this to be removed within 30 days
Product: Debt collection

On XXXX the XXXX XXXX I received an email from payroll notifying me my wages were being garnished! To my surprise I didn't know a judgement had been entered against me from XXXX! Never received any summons, or any other documents from courts or this firm so I could properly defend myself, not only did I discover these people serviced the incorrect address they also let me know this account is from XXXX, which is charged off! How could they look up my employer but not bother to verify my address!