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

This week it was announced that Equifax allowed 144 million of its customers information to be accessed by criminals. Mine is apparently among that information. I have called No fewer than a dozen times to their information number and have yet to complete one of those calls. Incredibly, they simply hang up on you. They are apparently going to offer some credit protection scheme sometime in the future to protect the people who they 've compromised. I 'm wondering why this is n't being done immediately? I would like to file a complaint about this company and get some resolution on this problem.
Product: Checking or savings account

I am writing to request an investigation due to accounts was opened I NEVER opened or used. There is incorrect address on these accounts as well.
Product: Money transfer, virtual currency, or money service

I had my venmo account wrongfully suspended and I can't access my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I was affected XXXX, and it affected me pretty badly, I didn't make any commissions and couldn't meet with any customers while I was ill. 

I contacted by lender and told them if I could put the payment on the back end of the loan since I was unsure when I would be able to work, and I also needed to make sure I had as much money available to me so it was a courtesy I was looking for. 

Last year I was affected by XXXX last XXXX and they moved a payment on back end for me. The rep did not mention to me that I was ineligible to put the payment on back end since it was already done within a 12 month time. She told me I would have a payment that would be due in the following month. I did not receive any notice that my approval was denied for the extension. 

As I recovered and was planning to catch up I received a notification that I received a 30 day late. I contacted Navy and they stated I would need to dispute it to the credit bureaus depsite the fact that they listened to the recording and they rep wasn't clear that I was denied or approved, and I never received anything from Navy stating that I wasn't approved.

The supervisor I contacted stated he was going to put a recommendation to remove the late since I have never been 30 days late before and this was a misunderstanding.
Product: Credit reporting or other personal consumer reports

I requested Experian to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Experian of the Fraud, Experian responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the XXXX XXXX which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} + {$19000.00} which is a total of {$51000.00}. I never owed that much money! Not even close!!! I did find out that XXXX and XXXX XXXX are XXXX of Experians biggest customers and have learned through similar law suits that Experian " Favors '' it's largest, highest paying clients in dispute matters. Experian has allowed this Fraud to continue for over 6 months now. CFPB, you will see that this is a Fraudulent act, committed by Experian to make sure it keeps it's highest paying customers happy. After Experian allows XXXX  to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Experian continues to allow criminal acts of Fraud after we have provided XXXX  amounts of proof to Experian. The next question will show the Fraud by Experian and what I would like the CFPB and Experian to address ... *****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX XXXX I only owed {$32000.00} ( Attached ), *****Why is XXXX  collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! CFPB needs to get involved and penalize EXPERIAN for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After 7 months of XXXX I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Experian Account, or face prosecution for damages to my credit history. REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EXPERIAN - XXXX THE LAW! REMOVE IT, NOW!
Product: Debt collection

DEBT WAS PAID AND I WAS NEVER LATE! - Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting or other personal consumer reports

XXXX accounts appeared on my credit report indicating XXXX loans had been taken the first XXXX on XX/XX/2022 for {$730.00} and another on XX/XX/2022 for {$850.00} from Uplift IncXXXX located at XXXX XXXX XXXX XXXX XXXX California XXXX those accounts went into collection and now have been charged off causing my credit score to drop drastically. I have disputed these transactions XX/XX/XXXXwith XXXX as being fraudulent and both times their investigation was reported as accurate. How can that be possible when i have never heard of this company nor have i been to XXXX California. Nor have i ever applied in person or online for any loans from this company nor have i authorized or cosigned for anyone to get these loans. The only loans i have or have applied for in the last XX/XX/XXXXyears is a mortgage and a car loan. if you look at my credit report you will see that i pay all my creditors on time. It appears that who ever acquired these loans made a payment or payments because the original amount was {$730.00} but the charged off amount was {$510.00} where as on the other loan the original amount was {$800.00} but was charged off as {$850.00}.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ transunion ] for the period of [ XXXX 2024 of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX/2024XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items with the bureaus on XX/XX/2022, but they did not remove them nor prove validation. 

Sec. 602 I have a right to privacy. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few years several debt collection agencies have registered an unpaid debt to XXXX XXXX with XXXX. In the past I challenged this debt ( twice ) and it was immediately dropped since I have never done business with XXXX XXXX. ( I don't believe they even do business in my region. ) Sequium Asset Solutions apparently bought the debt and has placed it back on my credit report. I have disputed this several times to no effect. I have called numerous times. Upon my fifth try I was able to speak with a representative who handles the " XXXX  file '' to address this matter ; but when I would not give him my full SS # he declined to help other than refer me to an email address. 

I contacted the Sequium e-mail address to handle complaints. After three attempts ( with my SS # ), they finally answered that " they have no record of this account ''. Yes, I have the e-mail. Subsequently they have never responded to my e-mails nor phone calls. 

After several more requests by XXXX, they still can not be bothered to remove this from my credit report. 

In closing, FYI, my credit report is spotless other than this error that Sequium Asset Solutions refuses to address.
Product: Debt collection

I was contacted by this debt company for a debt I had no knowledge of, I explained to them I did not have any knowledge of the debt in question. I also verbally and in writing disputed the debt in question. They are still attempting to collect this fraudulent debt, and reporting this to all   XXXX    credit reporting agencies.
Product: Debt collection

XXXX XXXX sold me an HVAC for my home. As part of the sale and installation, they made clear they would service my unit for the first year of ownership at no charge. 

The first year went by without a visit as promised by the merchant. When I contacted them to inquire, they demanded a XXXX payment for the service. 

I subsequently made arrangement with an alternate vendor to service the unit. Following the service, I was informed the unit had in fact sustained irreparable damage due to the lack of consistent maintenance. 

I was registered with Greensky to make monthly payments by XXXX. 
I complained to XXXX although nothing has been done to rectify the problem.
Product: Mortgage

Bank of America Home Loans has not released a XXXX mortgage lien ( Town of XXXX, Connecticut - Volume XXXX / Page XXXX ) despite account being closed since 2006. Repeated attempts by me to work directly with BofA, in its various incarnations, via mail and phone have been fruitless. If I do receive response from them, it is only in the form of a standard letter saying the matter is being researched, but this has been the case for years now with no resolution. 

In compiling information for this Complaint, I am noticing Servicing Rights were sold to Bank of America on XXXX/XXXX/06 under a/c # XXXX. Somewhere along the way, without notice to me, Bank of America Home Loans seems to have stepped in using a/c # XXXX. That in itself is strange too. Is that legal? 

Account is being reported as 'paid satisfactorily ' and 'closed ' to XXXX and XXXX, respectively. 

Please help me get this matter resolved and the erroneous lien removed from the land records. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Really didnt know what to select on screen prior my issue is that the company Regional Acceptance that I have my car loan with posted a late payment onto my credit when in reality it has not been 30 days late. My payment was late but not enough for my credit to be affect I did reach out to the they said they would look into it because they do not know how this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX  XXXX Balance - Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$570.00}
Product: Checking or savings account

On XXXX XXXX. I made 2 withdrawals from the XXXX ATM that is at the XXXX on XXXX XXXX in XXXXXXXX XXXX. The first was for {$300.00} the ATM dispensed that amount no problem the next was for {$240.00} the ATM never despensed that amount just a receipt.i called chime my bank. They said the investigated it but found no error. Which is not true because I never got the Money.even before calling chime I called XXXX since it is their Atm
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$310.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

My card was blocked from any usage ( despite me being current with my payments ). When I asked why, the company said it was a fraud issue. I asked to verify transactions, which they will not do. They have stopped my card without any fault of mine and said we will see what we do in XXXX days!!
Product: Credit reporting or other personal consumer reports

Transunion has denied me access to my online account to monitor my credit file, to file online disputes, ability freeze my file. For over 2 years Transunion has denied me this access, claiming security issue identifing me. I have call numerous times and sent information to Transunion, response I am being given is that I should have access for me to go log in, that just isn't true -- when I go to log in I get this response " Account Security : Your account has been temporarily suspended. ". 
I am being denied equall access to my credit file to file disputes online, the ability to place freezes on my account if I chose to, etc. There is incorrect information in my Transunion credit report that I need to view and dispute. 
I am suffering from having to spend time to get no where with these issues, I am denied employment, housing, mortgages, credit cards, vehicle loans, equipment loans, etc due to this violation of my rights.
Product: Debt collection

On or about XX/XX/2019 I sent LVNV a certified letter requesting a validation of debt for two alleged accounts ( Reference ID # XXXX & # XXXX ) and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent LVNV a 2nd certified letter requesting validation of as of todays date they haven't granted my request. 

On or about XX/XX/2019 I received a letter from Resurgent Capital Services '' stating " Resurgent Services L.P. manages the above reference account for LVNV Funding LLC ''. " Resurgent Capital Services '' failed to provide any validation of debt. With this letter that I requested approximately two months ago from LVNV. There is no question that " Resurgent Capital Services '' is aware of my validation request done XX/XX/2019 & XX/XX/2019 and they also are denying me my request for validation of debt.
Product: Vehicle loan or lease

Good Morning, I had a loan at J.D. Byrider I voluntary surrendered my car. I told them many times that they do not have permission to take money from my account and they keep doing it. Today they took the payment again without my permission and it was from a credit card not my debit card. The total amount was XXXX. XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

first, I did not apply for a Sams Club credit card. I was shopping at Sams Club, when I was at the register the cashier says to me that I was approved for a XXXX credit limit. I accepted. I spent about XXXX dollars. After that I had not spent any more just made the payments on it every month.I received the credit limit XX/XX/2023 and they took it down to XXXX dollars in XX/XX/2023. The reason I was told that not because I didnt pay them, but because I dont have enough credit limit on my cedit and I have imperfections on my Credit score. 
And also I paid on time, but since the payment does not post for a couple of days that made me late. I did not find this out until I spoke with someone at Sam Club.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my XXXX credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my XXXX credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that XXXX immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Credit card

XXXX credit card applications were made in my name with my SSN. 
One at Capital One on XX/XX/year> Another at XXXX  XXXX XXXX on XX/XX/year> I called both companies and they confirmed this and the accounts were denied I was told by XXXX that if I report this to the CFPB, then you would provide me with documentation of this credit fraud attempt which I need to send to them to get 7 years of fraud alerts from XXXX.