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

Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended English because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies XXXX XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to take my identity theft report which indicates that the XXXX account is a result of Identity theft. Experian keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told Experian and XXXX that I refused to pay for something that is not my fault nor is it something I caused. I believe Experian and XXXX have a secret agreement because Experian is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. Experian needs to Remove the XXXX account from my Credit Report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Debt collection

Trying to settle. When I called in XX/XX/XXXX attorney said the amount is {$1000.00}, I called again in two days ago now the attorney is saying {$1200.00}. Is it suppose to change amount on a monthly basis? 
I need to settle ASAP to obtain me an apartment. 

Thank you
Product: Debt collection

This was a payday loan from XXXX XXXX and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. XXXX XXXX sent this debt collection to AD Astra Recovery Service, Inc. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and AD Astra Recovery Service , Inc. is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Vehicle loan or lease

On XX/XX/XXXX TD Auto Finance put a negative 30-day late payment on my account. I have been paying the same, fixed amount every month for over 6 years. After reviewing my payment history provided by TD Auto Finance it clearly shows that NO payment was ever 30 days late. My final payment was due on XXXX and it was paid on XX/XX/XXXX. I contacted a supervisor and was told that typically clients are supposed to get a statement for the last month of the loan but since I had auto bill pay set up those statements didn't generate. The supervisor also said that it was unusual I didn't get contacted because after looking at my account there was never an email, statement or phone call sent to update me on the balance ( they had my correct contact info on file ). This is clearly a TD Finance error and TD Auto Finance recognized it on their end because they removed the late fee. However, they are still reporting a negative 30-day late mark on my credit causing My score to drop over XXXX points because of their inability to properly & transparently bill their clients. Now I can't get a mortgage due to this unfair situation.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

This company keep coming to my home looking for a family member ( XXXX XXXX ) that who do not live at my residence and according to the lady I spoke to the individual received their services while staying here, which is inaccurate. That individual never lived here even if they did they do not live here and I request they stop coming leaving letters after letters on my door please
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX XXXX  I XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX  XXXX  XXXX/XXXX/XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX   XXXX/XXXX  M XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a charge on my card in the first week of XXXX for {$100.00} that came from XX/XX/XXXX for a {$99.00} annual fee. First of all, a {$99.00} annual fee is rediculous, but, I've paid it these past 2 years because I don't want to close the card and lower my credit while in the process of trying to buy a home. So, on XX/XX/XXXX I made the payment of {$100.00} and the next day XX/XX/XXXX forgot I paid it the day before and made the payment again ... totaling {$200.00}. This shows on my XX/XX/XXXX statement, that I over paid {$100.00}, so my account was $ XXXX ... .With GenesisFS card services ( Indigo Card ) owing me the XXXX. They claimed they would return it to my bank of which they never did ... ( And all these calls should be recorded ) ... .Now, they've turned around this month and charged another {$140.00} for God knows what, but I don't, nor did the last representative I spoke with. The representative also stated she could see a future statement that I could not see online and I was being charged a late fee, which is impossible! ... The company owes me! ... .How could I be charged a late fee! ... They claimed it was due to insufficient funds, and yet ; the money left my bank and was not returned, as it shows on the XX/XX/XXXX statement. Today is only XX/XX/XXXX, so how could anything be late and they owe me?!
Product: Credit card

On XX/XX/XXXX I was charged {$90.00} from a merchant under the name XXXX XXXX XXXX XXXX Without my consent! I open a claim with Chase bank # XXXX then I was credited the amount back temporary, However ; chase credited the amount was back to the merchant claiming they tried making a phone call to me for more info and I didnt respond on time so they closed the claim! Not only I lost that {$90.00} but this merchant is going to keep charging me every month for something I m not approving! I dont need this merchant charging me and taking my money. Please help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is wrongfully appearing on Experian, XXXX and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX | XX/XX/year> Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle in XXXX of XXXX with XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ( XXXX ) account ending in XXXX ). I've always maintained current payments on the car.The car was total loss in an accident in XXXX of XXXX. In XXXX of XXXX the auto loan was paid in full with a combination of insurance proceeds and money from me. Equifax is reporting the account as 90 days past due as of XX/XX/XXXX. 

I have attached a letter from XXXX XXXX XXXX confirming that account has been Paid in full and should be reporting as " Paid In Full, Current '' as of XX/XX/XXXX. 

This incorrect record is negatively affecting my credit profile and is making it quite difficult for me to obtain additional financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX. Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX  late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.
Product: Credit card or prepaid card

I have had a number of unjustified charges on this account now for months, dating back to at least, XXXX of 2022, totaling {$350.00}. I have personally disputed all of the individual charges ( some of them TWICE ) within this total, via very long phone calls and being transferred back and forth many times, because the company would send messages ( via their online messaging system ) that they " needed more information '', or because they could " find no proof '' that they were " not legitimate charges ''. So, I had to " re-dispute '' them! This company has a severe lack of timely and specific communication regarding each of the disputed charges. I have received just a couple of letters regarding maybe 2 of the multiple unjustified charges, with the letters having zero details, so that one has no idea what charge, date, or vendor, they are referring to! They basically send generic form letters, and only for some of the disputed charges! I have been given the runaround by this company for months now! When I re-inquire about status updates they just tell me to " give it another 60-90 days for resolution ''! They are absolutely the worst credit card company I've ever dealt with ( Comenity Bank )!
Product: Credit reporting or other personal consumer reports

XXXX XXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I noticed a collection on my credit report on XX/XX/22 that wasn't supposed to be there. That day, I filed a dispute with XXXX. I was notified that the " debt belongs to '' me on XX/XX/22. Despite my efforts, I haven't been able to reach anyone at the collection agency, MRS BPO, until XX/XX/22. MRS BPO informed me that the original debtor, XXXX XXXX XXXX XXXX ( XXXX  ), would handle the dispute. XXXX advised me to file a police report and file a report on the Federal Trade Commission website about the issue. It was opened on XX/XX/22 and is due {$540.00}. The address involved with the account is XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX. XXXX is the phone number associated with the account. The account number is XXXX.
Product: Credit card or prepaid card

I was given a line of credit in XX/XX/XXXX for {$10000.00} from Discover. I used the money for relocation expenses. Once I maxed out the card, Discover shut down my ability to ever use it again. I had not missed a payment, yet the card was shut down. In the 4 years since, I have missed exactly XXXX payment ( XX/XX/XXXX ). I have paid much more than the minimum amount due nearly every month. In total, to date, I have paid {$9500.00} of my {$10000.00} debt to Discover. According to their calculations, I still owe them {$7500.00}. I have been given credit for exactly {$2400.00} of the payments I have faithfully made. This can not be fair on any level, can it? According to them, {$7000.00} of the {$9500.00} that I have paid has gone strictly to interest. According to these calculations, I will basically never pay off this debt regardless of how much I pay. Thus far, Ive paid 70 % interest on the card. And I most definitely did not apply for this card with the notion that it would be a lifetime of debt. I have asked them, after years of a perfect payment record, to please lower the interest or to work with me in some way. I was told that there is nothing that can be done. Im sure if consumers knew what they were signing on for, a good deal of them would take their business elsewhere. I know I would have. I realize and appreciate that an interest rate is attached to all credit cards and loans. And sometimes, that rate can be pretty steep. But paying {$7000.00} ( and counting! ) in interest on a {$10000.00} card I should never be allowed happen. At this point, I am questioning the sanity of continuing to make these payments. Im not even treading water here, Im XXXX.
Product: Money transfer, virtual currency, or money service

I was out of state from the XXXX to the XXXX of XXXX. All of the fraudulant transactions happened on the XXXX of XXXX and one shortly before that. I'm reporting it to the ftc cause my bank didn't do anything about it. My account was compromised and the individual logged in and change my admins information and transfered my money to that account then too that persons account and then they transfered my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy
Product: Debt collection

XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California
Product: Credit reporting

I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. They pulled my credit XXXX times the day I stopped by their dealership I found out, but then pulled it again after I had left the dealership calling me about they are able to get me a lower price. I did n't know they were pulling my credit all these times and it was not with my consent. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over 30 days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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: Debt collection

XXXX XXXX DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company XXXX
Product: Money transfer, virtual currency, or money service

I texted a guy off of XXXX to buy XXXX tickets. He totals me the seat section row and numbers, I agreed to pay him {$400.00} in exchange for 4 tickets to the game. He sent me his email to send the money via XXXX. I sent him our email address to send tickets via XXXX XXXX. I sent the money. He said the tickets were on their way, but never sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off my credit report.