23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ALL OF THESE ACCOUNTS PERMANENTLY!!!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Moneylion in order to update my personal information but I have not received a response and my credit is reporting inaccurate contact information.
Product: Credit card or prepaid card

I have a capital one credit card. I paid my card off. I had rewards points left on the card so i made a purchase for the the reward points and I paid the difference. I never received a bill. So in XXXX I went on capital one website to check my credit score and I notice a balance. So I called and I was told a purchase was made and when they didnt receive a payment they just keep add late fees. So i said you add 4 months of late fees and know one didnt think they need to contact me. I ask why I never received a bill or call about the bill. I was told by customer service that my account was switch from bill in the mail to email. I told her I never did that. So I said why didnt i get a call about the bill because they was short because of virus. I told her I dont have anything to do with that. Then I was told its a curious thing, that they dont have to do it. I told them I made they purchase but why i didnt received a bill in the mail. They keep saying because my bill goes to email. I told them I never received a bill and I didnt switch it to email. Then I was told that sometimes with a XXXX email address it will go in your spam fold automatic. I told them it should not be going to email at all. I told them i should have received a bill in the mail or a call after you know I always paid my bill. Well after I agure for 2 months, I received a letter in the mail. About the payments but by then I had already paid the bill and late fees. So if it could be sent in the mail on XX/XX/2020 then why it could have been sent the first month payment wasnt received. Now this is on my credit record that is causing problems for me. I have always paid my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, EXPERIAN AND XXXX  I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes sent me an automated email saying your investigation is complete. Equifax did not even take the time to verify these fraudulent accounts .This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable.

I tried to verify these accounts by contacting above creditors. All of them had different addresses and phone numbers on their files. They are clearly fraudulent and Equifax is not doing a single thing about it. 

Claims/Disputes confirmation numbers with Equifax are XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I moved to XXXX XXXX  Missouri. When I first moved into the home, I ran into an issue with the former tenants checking the mailbox. Shortly after this credit statements began to come to this address. I requested validation from the lender never to receive the information I requested. The account is for XXXX XXXX XXXX XXXX Account number XXXX. The date shows opened XX/XX/XXXX. It is now showing negativity on my credit report and is charged off for {$990.00} that has been written off. The last status updated XX/XX/XXXX balance updated XX/XX/XXXX. Credit limit is showing {$500.00} but the balance is {$990.00} which is outrageous. And is showing not to be removed from my record until XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I have spoken with Money Lion about this several times and they have not provided a response. 

1.I have tried to cancel mymonthly membership wuth money lion but they say I have to keep the money membership that costs {$20.00} if I have a loan with them. They refuse to cancel the membership. 

I have not been able to find any of this information in the loan documents and when I ask where the info is located I get told it's on moneylion.com and that's it. 


2. They also reported the loan 30 days past due. On there online app it shows the account paid as agreed but they still reported ... 

I also have maid multiple payments on a due date that do not reflect on there online app.. 

3. They also say that once I pay off the loan the will hold XXXX in escrow until I pay all monthly membership fees..this is is in none of the papper work I signed. 

... I filed an internal complaint to remove the late notice from my credit as the loan always shows current and asked they cancel my membership but they wont do these things ... can you please help. 

I
Product: Debt collection

XXXX/XXXX/XXXX I had an agreement with Meyers and Njus to pay {$1200.00} amount was paid in full XXXX/XXXX/XXXX. XXXX/XXXX/XXXX they are telling me I still owe the {$56.00} in interest that was not in the agreement. The FDCPA states they ca n't add interest, fees, or charges not authorized in the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Hi, I'm attempting to make an additional payment on my Synchrony CareCredit Card and the website will not allow me to log in to do so.

I contacted support via the " chat with us now '' option and she was unable to provide any kind of assistance other than to call an 800 number - which I will not do because of excessive hold times.

I keep track of my user names and passwords in an extremely methodical way ( I'm a website developer ) and know that my user name and password should work as they have not been changed since my account was set up last year.

To this point, payments have been coming out electronically, but I would like to pay more on the card to avoid high interest payments when my zero interest time period ends in XXXX. 

When asked to leave a survey after speaking with chat - I did so and I got an error that it wouldn't accept my feedback ( I have a screenshot ). Further - when trying to recover my account information, I was given error messages at every attempt ( I have a screenshot of this, as well ).

It very much appears that I am being kept out of my account intentionally so that I can't make additional payments and so that they can use that to their advantage when my zero interest time frame ends. 

I would like to know why their website doesn't work. I should be able to access my account as I like and make payments thusly. 

This appears to be a fraudulent attempt to sabotage those efforts and I would appreciate an investigation and a remedy. 

Thank you for your time and attention to this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently dicovered that my identitiy has been stolen and there was an account opened up with XXXX XXXX years ago. They are saying that I owe them {$810.00} and I never had a XXXX XXXX account in my life! 
They eventually sold the debt to XXXX XXXX and I just recently discovered this whole ordeal on my credit report and disputed it with XXXX XXXX The Denver Police Department and even tried calling XXXX XXXX. After 3 phone calls with XXXX XXXX I have decided to report how rude and awful they were to me and nothing has been done about this identity theft. I first reported it to XXXX more then 4 months ago and it is still dragging down my credit score. Now I am in financial limbo with no help. XXXX XXXX needs to take this off my credit record! I am a victom and they are really awful to innocent people.
Product: Vehicle loan or lease

I can't afford the forge loan terms or conditions due to negligence of inoperable malfunctioning issues the repairs may be valued more than the vehicle this has been a issue since the date of purchase
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLIANT CREDIT UNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX EQUIFAX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX  days, now XXXX  days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a copy of my Equifax report by phone, because I was unable to do so online as I am a minor. On the phone with the representative, despite repeated attempts to explain that I was a minor and that my social security number had been used to file a false tax return in my name, the agent refused to give me a copy of my credit report stating that there was no credit history. She refused to send anything by mail or email stating this and I had to end the phone call because she was increasingly unaccommodating and rude. I need this information to file fraud claims with FTC regarding my identity.
Product: Vehicle loan or lease

Hello, CFPB. My name is XXXX XXXX and I am writing desperately to request your help. I dont know what else to do. I hope to have a fair resolution of this issue that General Motors Financial has caused on my credit score. 

I tried to solve this problem with them and they stated that they are reporting the account accurately and they will not move a finger to solve what they have caused. 

The account I am talking about is the following : GM Financial account XXXX, opened date XX/XX/2016. Highest balance {$19000.00}. 

GM Financial has committed multiple violations under the Free Credit Reporting Act and the California Credit Reporting Act : - Inconsistently reporting across bureaus : different number of late payments in XXXX  and XXXX. 
- Reporting false and erroneous information. - Moving the late payments dates from one mo
nth to another.

Please send the attached documents to GM Financial.

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is showing up on XXXX and Equifax. I have attempted to contact XXXX XXXX XXXX XXXX and XXXX XXXX, and all I got back from them was " Fill out this form '' which I did and submit it. After that, it showed up on another credit reporting agency, bringing my credit score down when I am trying to buy a car. I asked my loan officer and she said, " Fill out the form again. I don't handle disputes. '' How's that for customer service??
Product: Debt collection

HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested!
Product: Vehicle loan or lease

I paid off my car loan at the beginning of XXXX. They claim they sent the title, I never received it. They now have been promising to send me a release of XXXX paperwork so I can get a duplicate and have not received it. It has been 2 & 1/2 months going on three months. They have a call center that refuses to transfer you to anyone. They say they have to email The title department and can not transfer or give me another number. I have called probably 2 dozen times, they always say it takes 15 days. I have yet to receive anything!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I hope youre well. Im writing because Ive come across an issue on my credit report that needs urgent attention. Theres an account listed that I dont recognize and have no knowledge of. Ive never opened or authorized this account, and it doesnt belong to me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a dispute for with your agency against Bank of America for identity theft. This is the report number XXXX. Bank of America responded that they needed more time to respond to the dispute. Bank of America is in violation of federal law as 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after 4 business days. They have broken the law and have not done what I asked them to do.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX.

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing.

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Checking or savings account

My current account with XXXX XXXX  was closed today due to an account being opened in my name with Bank of America that I have no knowledge and cant get in contact with there customer service due to an account number or phone number that I do not have
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX XXXX Bank about the incorrect credit card Account they furnished on my XXXX XXXX, to no avail. I have been calling all the Credit agencies also to remove these accounts, and they have not done so. 
My credit have been impacted also my quality of life, which is very detrimental for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian, and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Here is the list of erroneous account found in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00}
Product: Debt collection

I received call from unknown number stating they were going to serve me and had a warrant out for me. He said that he was from the XXXX County Courts and to call XXXX for more information. I called this number and it was to Internal Check Systems. I was told they were calling regarding a payday loan for XXXX XXXX XXXX. I advised him that this sounds like a scam since there XXXX for this company had a scam alert. XXXX yelled obscenities at me and hung up. 
I called back and asked for the manager. I was transferred to a XXXX XXXX who told me he was the owner. I asked him if he was a debt collector, why he did he not send me anything through the mail. He advised me that he did a month ago, but would not say what date. I advised him I never got anything in the mail and that this is the first they have called. I asked for him to mail this to me but he refused and said that they would sue me and go to my work or home. I told them I have paid this in full. He told me he would only give me till Monday to send him my response.
Product: Credit card or prepaid card

Illegal overdraft fees and illegal closing of my credit card while holding on to my collateral.