23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was never sent to collections. Account remained at my home office location until the loan was paid off. I fell behind prior to XX/XX/XXXX. The account was deliquent but remained at the same office. I spoke to the same loan specialist every time I called to make a payment and that was the same loan specialist that set up my loan. In the beginning online. My account was never sold to a third party for collections. 

Mariner Finance is reporting to all three credit bureaus that my account is collection account. 

Prior to XX/XX/XXXX I fell behind in payments. XX/XX/XXXX the branch manager told me that the account was in danger of going to court for collections. I paid the past due amount in XX/XX/XXXX. Mariner Finance incurred {$34.00} in court fees. They said I had to pay it at the end of the loan. But every month they said I was past due {$34.00}. The court case was canceled because I made payment XX/XX/XXXX. I continue to pay the payment on time for the next year. 

It shows on my statement attached that I paid the {$34.00}. At the end of my loan when I paid it off my branch manager said that I was not responsible for the {$34.00}. 

They need to remove that My Mariner Finance account was a collection account. They fail to properly report my credit to the credit bureau. 

You can see on my statement that was mailed to me from the branch manager with a letterhead. It states that I made a payment every month either by phone or by ACH. I didn't receive any collection calls to receive the payment and when I called they never notified me that the call was an attempt to collect the debt. Whenever I called they told me I was in good standing. I was current every month from XX/XX/XXXX until it was paid off XX/XX/XXXX. 

The definition of a collection account is the transferring an account from the original creditor to a third party. This never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously disputed this account information on my credit report to have Possible Finance send a validation of the debt of which they show is owed is theyve failed to send. All they sent was a letter of alleged charges of which they stated was owed which is not proper documentation of debt validation. Attached to this complaint will be the validation letter of which I send and am asking for documentation which will show theyve failed to send. Theyre also reporting XXXX different account numbers to all 3 credit bureaus which is a violation for which the account numbers has to be the same across the board for the credit bureaus as well as reporting different addresses for the account making it seem as if its 3 different accounts. Documentation will be attached as well. To add theyre reporting different payment history on all XXXX which is unprofessional and inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which has compromised my personal information. The entries detailed below are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked from my credit file. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$710.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$400.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} Unauthorized Inquiries : XXXX. XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my federally protected rights have been violated by the following companies : Experian, XXXX, and XXXX.
Product: Checking or savings account

My debit was used to purchase a vehicle, the down payment. I contacted the bank and informed them that this transaction was not authorized by me. I also requested return of the vehicle from the company. Both ignored me. I even informed the person to return the return the vehicle. Neither one would assist me told me there was nothing either could do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handing of disputes. Particularly in light of the of the recent CFPB lawsuits highlighting that Zelle was not utilizing a proper verification process which lead to unauthorized transfers that the banks refused to reverse leading financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXXXXXX XXXX XXXX is not a credit account, it is a public record that is not verified by the courts per attached document below.The XXXX XXXX has no interaction with credit bureaus, including Equifax, TransUnion, and XXXX. The XXXX  XXXX does not report information regarding XXXX  cases to credit bureaus and does not verify the accuracy of information regarding XXXX  cases held by credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... KOHLS/CAPONE XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

Filed Chapter XXXX Bankruptcy XXXX XXXX for 5 years. Student Loan included in Bankruptcy, balance {$27000.00}. Bankruptcy paid {$7000.00} over 5 years. Balance was {$20000.00}, XXXX XXXX. FAMS started calling me 1 week after discharge, saying I owe a total of {$30000.00}. I said could not be right Bankruptcy paid {$7000.00}. They said since they had it its finance and interest, so the Bankruptcy payments vanished, was not applied to the balance or they added money to the balance to bring it back up. XXXX from FAMS stated if I get in their payback program they will waive the finance and service charges. I have to pay a certain amount each month for 9 months. I had the payment come out of my bank account on the last day of the month, each month. XXXX XXXX I get a call from them stating my payments are not clearing that I will be put out the program and they would have to garnish my wages. I said NO NO that 's not possible, my statements show each month you received my payments. I had to send them a copy of my statement showing where the payments were going to FAMS. I did that but it was n't good enough. Talk to a Supervisor, she said she use to the banking world and she would need to see my entire bank statement. No you do n't, you do n't need to see my other transactions only the transaction that pertains to you showing where payment was made and cleared. They would not credit my account of the XXXX payments made to them, they want to set me up in the program again. I do n't think so, you took my money before, you will do it again, I will consult my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Hello My name is XXXX XXXX and my company 's name is XXXX XXXX XXXX registered in California. My business email was hacked and as result i was defrauded $ XXXX.The scammers pretended to be my vendors duped the emails and made me transfer funds in to fraudulent accounts. 

Iam a CHASE BANK customer and the fraudulent transfer was also to CHASE bank. 

The CHASE BANK HAS REFUSED TO HELP ME BECAUSE ACCORDING TO THEM THE TRANSFER IS POSTED AND THEY CAN NOT REVERSE OR REIMBURSE ME THE AMOUNT. 

Its a very large amount and i can not afford to loose so much money as a single mother of XXXX  young children. 

I have already filed police report with the local police station and they suggested to file it with FTC as well. Looking forward for your response. Really appreciate your help. 






Thanks XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card from XXXX XXXX. I have requested them to 'auto pay ' my entire statement balance every month so that I do not have to pay interest charges. I first made this request in XX/XX/XXXX. I soon realized that their auto pay department is paying only {$35.00} from my XXXX XXXX XXXX checking account to my credit card. I had another round of discussion with them ( first over email and then over the phone ) on XX/XX/XXXX. I once again asked the 'auto pay ' team to pay my entire statement balance automatically every month. Today ( XX/XX/XXXX ) I again realized that they are paying only {$35.00} every month and charging me interest for the rest.
Product: Credit card

I ordered items from Victoria Secrets online Sale using my XXXX credit card in the amount of {$240.00}. 

Yet Victoria Secret billing department erroneously billed my Victoria Secret credit card the FULL amount of those sale items.

I havent used my VS card or PPC in months. My statements are sent all electronic. So I didnt catch the error until today, when I was compiling all my bills for XXXX. 

I called Victoria Secret credit card services @ XXXX and spoke with ( XXXX XXXX supervisor XXXX XXXX, Ma XXXX XXXX XXXX, XXXX XXXX sent me to a non-working number. All who refused to open a dispute! Finally, I called back and spoke with XXXX XXXX ( very helpful ). She transferred my call to supervisor XXXX @ XXXX. Each time I spoke with an agent or supervisor I had to ( XXXX ) identify myself and explain the entire dispute. Each person refused to open a dispute claiming I was beyond the 60 day limit for opening a dispute. 

I explained that I understood the 60 day window, but today is XX/XX/XXXX. Therefore, I am within that window of the 60 day time frame. 

They still would not open a dispute, even when XXXX said he saw the discrepancy, and how I should not have been charged. 

I immediately asked for a manager. I was transferred to XXXX @ Comenity bank. 

I was told I would receive a letter in the mail next week. Please help me as I am a senior. Id like to thank you in advance for your support in this matter.

I am hereby disputing the Victoria secret charge of {$560.00} plus my XXXX payment of {$61.00} for a total of {$620.00} plus all interest accrued on this account. 

XXXX XXXX is attempting to fraudulently collect payment for items charged to my XXXX credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX did not properly investigate my credit disputes, Account name PORTFOLIO RECOVERY A Opened XXXX in the amount of {$1200.00}.
Product: Credit card or prepaid card

It has been 3-4 weeks, call to notify I lost my credit card ( Security service credit union ) . The person helping me didn't get the help I needed to send a credit card. They didn't send me no letter, email, or any closings my account. It come to my attention that I have notified XXXX dealership 3 verbal in person ( 1 ) salesman ( 2 ) finance personal. I notify them I have XXXX  at work and XXXX XXXX XXXX XXXX XXXX Is there anything we can do to bring down the monthly payments. They looked at me and gave me a smile like saying it your puppy. I mentioned to them, when I was been fly XXXX, when I got XXXX XXXX XXXX I told them no charge, the credit card company didn't bother to send me my credit card from security service credit union. I will never trust another XXXX dealership.
Product: Debt collection

XXXX XXXX XXXXXXXX sent a settlement letter they'd accept XXXX of the XXXX by XX/XX/2018. I did not call them until XX/XX/2018 and asked about a similar settlement. After back and forth debate they said that they could offer me a XXXX settlement. I agreed if they'd send me a fax saying it was paid in full. They told me that they couldn't fax because it was against my privacy rights but they would send a letter to my address on file. I agreed. They asked for my bank account and routing number I tried to insist on using my debit card they said no has to be bank account and routing number. I gave them this information. THIS ACCOUNT WAS NOT ON MY CREDIT REPORT. I paid, 2 days later here is this collection on my credit report for the total amount of XXXX. I call them on the phone asking why if I paid them would they then put this on my report. They tell me its against the law for them to not disclose it to all 3 credit bureaus. While on this phone call they tell me I still owe XXXX acting as if we did not settle even tho I have a settlement number. They are now saying they will report to the credit bureau that it was " settled in full '' not " paid in full '' like they said they would and made me aware of the fact that it will say on my credit report that I still owe XXXX because it was not paid in full when they NEVER mentioned this on the phone. I demanded to be sent the audio they told me they were recording and they said they don't have audio for that purpose. Im extremely upset.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently address a matter of identity theft concerning my account with XXXX XXXX XXXX. I have recently discovered unauthorized activity on this account, which I have reported to the authorities and obtained a notarized police report as well as filed a report with the Federal Trade Commission ( FTC ). Despite my efforts to resolve this matter, I have encountered significant challenges in receiving assistance from XXXX representatives. Their handling of this situation has been both unhelpful and, regrettably, rude. Under Texas consumer laws pertaining to identity theft, it is imperative that swift action be taken to rectify this situation. As such, I am formally requesting the immediate removal of any fraudulent activity associated with my identity from the aforementioned account. Attached to this correspondence are copies of the notarized police report and FTC report for your reference and records. I trust that XXXX will adhere to the necessary legal procedures and promptly resolve this matter in accordance with Texas consumer protection laws. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave Experian, XXXX or XXXX written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : I received your updated credit report enclosed is factual dispute on your credit report that you are reporting { 1 XXXX XXXX XXXX XXXX late payment that is false the vehicle was traded in and I purchased another vehicle through XXXX Please remove the late payments I know thing were slow due to covid } { 2 } XXXX  incomplete account number re aged date, can not post a past due on account } { 3 } XXXX XXXX XXXX  incomplete account number, re aged account reporting past due } { 4 } these inquires enclosed I did not authorizes these inquires } these are factual statements you are reporting on my credit report and they are violations of the FCRA I request that the CFPB handle this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/XXXX I noticed a closed account on my credit report from a XXXX card for the amount of {$1000.00}. I have since them sent several communications stating that I never Applied or used this credit card. 

I than requested them to send me a copy of the application. The copy they sent me was an online application that was not filed or signed by me. I have filed a police report for identity theft. This company keeps on adding interest on this account that has been closed since XXXX. I have never own a XXXX or XXXX card and I need this information to be permanently removed from my Experian report as it is intentionally affecting my credit score. 

This bank or institution is well aware of the reports I have made to get this issue resolved. They have no more prove than an application made online. If my identity was stolen of course the thief would have access to file an online application and to use the card as well.