23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.

I WOULD LIKE THIS ITEM TO BE IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE SST ACCOUNTS : XXXX. SST - # XXXX XXXX. SST - # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Debt collection

This was honestly about 10 maybe 11 years ago. I had a car that was repossessed by Prestige Loan company they are located in Utah. I had the car for about a year or so and then as a XXXX  my job became really slow. Some days I would bring home XXXX $ and I was taking care of my children by myself with no real help from their father. It became so bad that of course I could no longer pay for the car so tgey repossessed the car. They came to my job to let me know they were repossessing it. Maybe a month later they continued to harass me for the remainder balance left on the vehicle. Which I didnt have I was barely making rent in fact I was soon evicted from the apartment that I was in when they took the car which was around XXXX. They took me to court where they asked for mediation where there was a judge who told them I didnt have the money. Then we went to court again and they were told I didnt have the money. So now 10 years later Im getting letters in the mail from lawyers saying they want to represent me because Im being sued by Prestige. They would be suing for no money after 10 years?

So now this is where I really want to express myself as a consumer. I am still taking care of my same XXXX kids XXXX  and now I have an ill elderly parent. Inflation has got me. I am barely paying my rent and my electric bill has been ridiculous and everyone works most of the time. I cant even afford to take care of my own failing health with XXXX XXXX. I have XXXX XXXX that I has been expensive but I cant do everything that needs to be done because its unreal how expensive that is. When my children have any health problem we go to the XXXX XXXX  but we never really find out whats wrong. So this Prestige loan company after 10 years meaning this has been off my credit for a while. Also this is harassment for a debt that is 10 years old. The fact that they are even able to come back to someone after 7 years has passed is so ridiculous. I keep questioning is that even a law anymore and everyone keeps saying it is a law. These people from Prestige are predatory in their collection practices and I cant afford to to do any thing about this. Is there any unfair collection practices happening with this? I need your help. I talked to the FTC and they told me to contact you and make a complaint and still file one with them afterwards. I can not afford to pay them anything. I dont have any paperwork from that but Im sure the case is still showing from when we were in court 10 years ago.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XXXX  2024 and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After XXXX letters were sent ( in XXXX 2024 and XXXX 2024XX/XX/year> ) the information remains incorrect in my reports. 

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. 

Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. 

Thank you for your understanding and prompt action.
Product: Credit card

I received a letter from Ally Credit Card on or about beginning of XX/XX/XXXX. Terms were 0 % intro APR for 12 months. Just saw, on or about, XX/XX/XXXX that they were ending this intro APR after only 9 months, in XX/XX/XXXX. I called to dispute this on that date. They told me to fax the original offer letter to them. I faxed my offer letter to them on that date ( XX/XX/XXXX ) from XXXX and got a successful receipt. I called them today and after first saying they never got the fax, they then made me hold on the phone about XXXX minutes. When they finally came back on the line they admitted that they did get the fax but that the issue " went up the line '' and would take about 10 days or so and I should call back. This is a real scam in my opinion. An offer to a senior set to expire early around the holidays. Most people would not even notice until the interest rates started tacking on at 29.99 %. I almost didn't notice this in time but only a fluke make me look into it.
Product: Checking or savings account

There were two fraud charges on our debit card - Total of {$7500.00} We put in a claim multiple times and they denied them. They used one of our owners information instead of the company info for the claim. 

These charges were in another state. 

They told us they think we are lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a checking and saving account with XXXX XXXX and they are reporting all of my private banking information which includes my daily balances, who I wrote checks and what deposit that I make to a company called Early Warning Services. I have contacted XXXX XXXX over the phone and in a branch and know one is able to tell me anything about this company and how are there legally allowed to know everything about my checking information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX a collection company is reporting a balance from XXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please remove this information so my true credit history can be reflected.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX sent my XXXX bill to debt collection even though I was paying on time and was on a payment plan. They admitted it was their fault because of a computer transfer when they merged with XXXX XXXX XXXX XXXX. I have since contacted the original creditor and paid the bill in full. The bill collector, Wakefield & associates, continues to call even though I called them to dispute the validity of the debt on XX/XX/20 as soon as I revised the first letter as per their instructions. I have since received calls on XX/XX/20 and XX/XX/20 requesting I pay the debt that is already paid.
Product: Credit reporting or other personal consumer reports

I have multiple times disputed an error on my credit report concerning an account with XXXX XXXX XXXX with Experian. I recently submitted another dispute with them concerning the same account. In the most recent dispute, I stated that XXXX XXXX XXXX  is currently paying out a settlement to customers for falsely reporting loans/loan amounts. I have, from the beginning, disputed the account as inaccurate. And each time the account was " updated. ''
Product: Credit reporting or other personal consumer reports

for the past 8 years I have been a victim of XXXX XXXX please see attached documents I have uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Bank of America, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
Product: Checking or savings account

In XXXX I became aware of XXXX unauthorized transactions made from my XXXX  account at a Bank of America branch in XXXX  ( I live outside XXXX in XXXX  XXXX and have never been to the city in XXXX  where the transaction occured. ) The XXXX transactions consisted of 1. ( {$900.00} in cash withdrawl from savings ) and 2. ( XXXX fake checks being cashed for a combined total of ( {$1900.00} ) ; the checks were cashed but there was no real account so BOA withdrew the {$1900.00} from our account to cover the fraud check cash. The total of the fraud transactions made at the branch totaled {$2800.00}. 

Immediately upon learning of the transactions on XX/XX/XXXX, I contacted Bank of America to report the fraud and was told an investigation would be conducted and I would be notified of how this was able to occur within their branch ( I was alarmed someone was able to go in and make these transactions fraudulently and wold expect better security measures by Bank of America ). We were told they would immediately return the cash withdrawl of {$900.00}, but the fraudulently cashed checks of {$1900.00} could take up to 60 days to investigate and at that point would be returned. XXXX claims were initated ( XXXX for the cash withdrawl and XXXX for the checks ). 

On XX/XX/XXXX, we recevied two letters from Bank of America, one for each of the claims. Both letters stated the following : " Based on our research, we've determined that your claim can't be honored for the following reasons : -Our investigation of the claim determined that you/your client authorized the transaction. 
-The account owner 's identification was used to negotiate the check. The bank was not notified that your identification was lost or stolen. '' As a result, the bank refused to return the {$1900.00} that was taken from my account via check fraud, and also said the {$900.00} that had been returned to me from the cash withdrawl fraud on XXXX XXXX, XXXX would be reversed and pulled from out from my account on XX/XX/XXXX. 

My identification was never lost or stolen and I absolutely did not authorize either transaction. The name on the checks was mispelled and the endorsement signature on the back is not my signature. 

I immediately called the bank and was told the teller saw an ID, which again, was not mine and must be fake. I reminded the teller I live in XXXX  state, have never been to that city or branch, have not lost my ID, and did not authorize either transaction, and furthermore have held my accounts with Bank of America for over 20 years and have never had any incident. I asked if they reviwed security tape footage, as it would clearly show the criminal comminting fraud was not me, of which the agent did not know the answer. The agent said they would open a ticket to ask for reconsideration which could take 60 more days!! 

I am requesting help in return of my funds that were removed by fraud. I'm appaled by the incompetent account security procedures and investigative process of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the company to please remove my derogatory remarks and was denied. I don't know the exact date but I sent the letter to the corporate headquarters.
Product: Credit reporting or other personal consumer reports

Experian and XXXX reports include the following address that are not related to me : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ; and XXXX. XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Debt collection

I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with capital one. I have informed XXXX but they do n't return calls
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported on my credit reports by the XXXX major credit reporting agencies ( Equifax, Experian, and TransUnion ). The Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), grants me the right to dispute any inaccurate or incomplete information on my credit reports. 

After thoroughly reviewing my credit reports from all three bureaus, I have identified several significant inaccuracies and discrepancies related to a charge-off reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). These discrepancies violate the FCRAs requirement for accurate, fair, and complete reporting. 

Nature of Inaccuracies Payment History Discrepancy : XXXX report indicates " No payment history available '', while another states " Youve made 73 % of payments for this account on time '', and a third states " Youve made 55 % of payments for this account on time ''. 
This conflicting information is misleading and inaccurate, and it violates the FCRAs mandate for consistent and accurate reporting. 

Last Activity Date Inconsistency : XXXX report lists the Last Activity Date as XX/XX/XXXX, another as XX/XX/XXXX, and the third as XX/XX/XXXX. 
These differing dates are problematic because they affect the statute of limitations and reporting period, directly impacting my XXXX XXXX. 

Charge-Off Status and Remarks : XXXX report shows " Profit and Loss Writeoff '', another shows " Charged Off Account '', and the third states " Unpaid Balance Reported As A Loss By XXXX XXXX ''. 
These inconsistencies create confusion and harm my creditworthiness. 

XXXX and XXXX XXXX : XXXX reports indicate 0 % left to pay, while the third report shows 73 % left to pay. 
This inconsistency significantly affects my financial profile and credit utilization ratio. 

Payment Calendar Inconsistency : The second report ( 73 % on-time payments ) shows significantly fewer missed payments compared to the third report ( 55 % on-time payments ), where several months are marked as XXXX, XXXX, XXXX, and XXXX days past due. 
These conflicting calendars create substantial inaccuracies, and it is unfair to report different payment timelines for the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I checked my TansUnuion credit report I noticed several duplicate items on such as follows : Duplicate items from { XXXX  XXXX XXXX Total XXXX  Acc # XXXX } Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX the only difference is the accounts closed dates one is on XX/XX/XXXX and the other is on XX/XX/XXXX one of the accounts is on page 7 and the other is on page 11. 
I will upload screen shots of the Transunion credit report for Page 7 and 11 I did disputed the item for the duplicate errors but transunion refused to delete or correct errors regarding these two duplicate acoounts. I would like transunion to stop reporting the same account twice and delete one of the accounts.
Product: Checking or savings account

I have had a Citibank checking account for the past XXXX years. 

In XXXX XXXX, a fraud hold was placed on my account while I am on an overseas assignment. 

I called them back and provided the requisite information about the unusual transactions. A review was completed and resolved. 

However, they have now said the branch placed the hold on my account and the only way to remove the hold is to visit the branch. 

My challenge is I am overseas for the next 6 months and can not physically visit a branch. This is my primary checking account with XXXX {$23000.00} balance and the center of my financial life. I need to pay my rent, my credit card bills, my daughter 's XXXXXXXX XXXX and will incur late fees and charges because withdrawals are suspended. 

I am happy to verify or provide any documentation over the phone or video call. I have called XXXX XXXX fraud department, XXXX XXXX XXXX department, XXXX  XXXX, XXXX XXXX, XXXX customer service over 15 times now with no path to resolution. 

I am now facing financial distress because Citi will not provide me an alternate path to resolution besides visiting a branch, which I physically can not do for the next 6 months. Surely they must have clients traveling all the time, so this can not be a one-off situation. 

When I asked to close the account, they can not close my account until I visit a branch!! I haven't even visited a Citi branch in 20 years. My funds are effectively being held hostage at this point by a bank I trusted for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I called Experian about a collection account on my credit report XXXX XXXX XXXX XXXX XXXX Report # XXXX for XX/XX/2022 sent to my address on file from Experian. The results clearly state that THIS ACCOUNT IS SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX when I called to remove account I was told that the information is inaccurate and that this account meets Fair Credit Reporting ACT. yes the report is inaccurate when the original balance was {$1400.00} now XXXX years later it jumped to {$2300.00}. how does it meet requirements when it is not XXXX XXXX accurate.. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall * * ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out investigation letters to Experian, XXXX, and XXXX on XX/XX/2019 ( Tracking # XXXX XXXX | XXXX XXXX | Experian XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights.
Product: Money transfer, virtual currency, or money service

A buyer in XXXX said he would zelle {$50.00} for an item. He demanded my email and number so I gave him the information.He sent the money and I got a notification in my email to make my checking account a business account. My bank did not notify me of any of this and the website claimed the buyer sent {$250.00} to make the account {$300.00} and I had to send {$250.00} to the buyer for the account to be a business account.