23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXXXXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXXXXXXXXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Debt collection

bull city placed two accounts from XXXX hospital in collections on the 3 credit bureaus I applied for and was approved for 100 % financial assistance and Bull City the collection agency for XXXX was to notify all credit bureaus and remove the amounts of {$840.00} and {$310.00} and will no do so. I have the letter showing I was approved I spoke with XXXX and they informed me they had spoken to Bull City and instructed them to remove them from my credit reports and they still have not. I included the letter showing I was approved and they go back 3 years and pay.
Product: Vehicle loan or lease

I had a vehicle loan with Santander since XXXX, the vehicle was repossessed in XX/XX/XXXX with no notice sent to me before or after. When I contacted the company I was told there was nothing I could do and the said they couldnt allow me to retrieve my personal property out of the vehicle due to state law. Ive sent several letters asking them to sent me a copy of the notices and validate the information they have because they say I still owe XXXX when the car was purchased for XXXX and Ive paid around XXXX on the vehicle, Santander will not respond to the letters and when I call they say they no longer have the info
Product: Credit card

The Credit card company closed my account because they said I was working with a credit repair company and then they blocked the access to my account. I asked for a payment plan and they would only. Give me one that was double my previous payment of {$140.00}.
Product: Debt collection

On or about XX/XX/XXXX, I requested my account closed, due to overwhelming debt. I explain my current situation, and explained I will not be able to pay until the spring of XX/XX/XXXX.  I was informed I could not enter into a payment plan, due to me only being between 30 and 60 days late on my payments. I also instructed the representative I hereby wished calls to no longer made to my number, and all future responses be conducted by postal mail. On or about XX/XX/XXXX, I again asked for the account to be closed, and I again stated my financial situation, and requested the phone calls halt, and for all communications to be conducted via postal mail. Also, the represenative stated I could sell items i purchased on XXXX. I found that as a personal insult. On or about XX/XX/XXXX, I  received 10 phone calls from XXXX. After my wife 's phone was contacted, I contacted the number back, and spoke with XXXX, who explained to me my account was still open, as well as there were no notations in my account. I requested a supervisor, and was informed it would be a minimum of a 15 minute hold. I requested for a supervisor to call me back.
Product: Mortgage

We have always had good credit, however in XXXX 2013 my husband was unemployed and Chase offered us an " Unemployment Forbearance Program ''. This was effective on XX/XX/2013 and ran through XX/XX/2013. During that time they told us our mortgage payment would be XXXX until employment was found. We were told that these missed payments would go on the back end of the loan. We complied with all of their terms. However we now find that those payments are showing up as late and/or missed payments on our credit report. I have spoken with Chase and they will not adjust this with the credit reporting agencies. We have lived in this house for over 21 years and have never been late on our mortgage. Is there any way for us to get this taken off of our credit report?
Product: Debt collection

I noticed a negative entry on my credit reports which was reported by Receivable Management Services, XXXX. regarding an alleged debt of {$78.00} owed to XXXX XXXX XXXX. I disputed the information with the three major credit Bureaus and Receivable Management Services on XX/XX/2018. The three major credit bureaus did not respond to my request for investigation, nor did Receivable Management respond to my debt validation request. I called XXXX and spoke to a representative who said she saw on the account that there was no balance. I was also able to locate a statement from XXXX showing that this amount was paid and was sent to collections by mistake. We did not owe this amount to begin with because our policy cancelled and we were not covered during the time in which this charge was assessed for. Under Arkansas code, the state in which we lived in at the time, " Consumers shall not be charged for services for which they did not receive. '' We were not covered during this time and we do not owe the balance claimed. It was by mistake that it was sent to collections and this collection agency has been willfully non-compliant with my request per the Fair Debt Collections Practices Act. This entry has been previously removed by the credit bureaus in the past due to a lack of production of documents verifying the validity of this information. A formal dispute has recently been filed under Section 623 of the Fair Credit Reporting Act with XXXX XXXX, as well as a Creditor Declaration and Request for Production of Documents, to investigate the accuracy of the records for this account and to substantiate the collection agency 's claim of a right to report this information.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS EXPERIAN JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Product: Debt collection

XXXX XXXX XXXX  sold supposed debt of {$1100.00} to the current creditor LVNV Funding LLC on XX/XX/XXXX which is a violation according to 15 U.S. Code 1692c ( b ) and also furnished negative remarks on my consumer credit report evidencing a debt which violates 15 U.S. Code 1692e ( 8 ). LVNV Funding LLC then proceeded to contact me via a XXXX XXXX XXXX XXXX XXXX  which violates 15 U.S. Code 1692e ( 3 ) threatening to levy or garnish earnings violating 15 U.S. Code 1692e ( 4 ) on XX/XX/XXXX. All the while the account was disputed and removed on XX/XX/XXXX from XXXX but not from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX regarding an account that I do not own. I was a victim of identity theft and there were some fraudulent accounts opened up under my name. I have provided documentation such as the FTC report and Police Report which states all relevant information. The company refuses to comply with the legal documentation and is falsely reporting a fraudulent account on my credit reports which is giving me living hardships for a home and a car.
Product: Vehicle loan or lease

My car XXXX XXXX XXXX XXXX XXXX  was repossessed XX/XX/XXXX. While being repossessed it was damaged by the Tow company XXXX XXXX. I have sent over everything i possibly could in support of my claims. I sent all my evidence to XXXX XXXX XXXX XXXX XXXX as well as Credit Acceptance. The claims are being denied simply because I'm just a XXXX a XXXX  who is behind on payments so that must mean I'm lien about the damages. Plus regardless if the car gets fixed or not not tow company will get another dollar for repossessing the car again and CAC will get another dollar by selling it at the auction. They dont give a XXXX about my claims, or equality. I asked on multiple times from XXXX XXXX as well as CAC to provide me with reason / proof as to why my claims were denied. The car is mine until repossessed again, right? so why cant i get any information on my car? CAC wants me to continue to pay for the car but wont provide any proof as to what im currently being stuck with. Which is a lemon! Im trying my hardest to understand why is their side of proof being held so secretly? Its because they have no proof to support their claims beside repeating what they see in the video i sent to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX know they damaged the car. CAC or XXXX XXXX XXXX counted on me not recovering car. this was suppose to be a situation being swept under the rug as if it never happened, NOT THIS TIME! CAC has denied to review or provide me proof of what happened to my car. Its just that im a XXXX XXXX, who is behind on payments, no equality needs to be shown to me. At the end of the day its just my XXXX lies against the XXXX XXXX, cool. GIVE UP THE PROOF XXXX XXXX SUBMITED AND THIS CAN BE OVER UNTIL THEN IT WILL BE CLAIMS EVERY DAY OF THE WEEK, PROVIDE THIER PROOF. Yall want me to call my insurance ok give me the proof to submit to my insurance
Product: Credit reporting or other personal consumer reports

An old apartment complex mistakenly reported me to collections twice. For the same debt. After speaking with them, the complex confirmed it was a mistake they will get it removed. After speaking to Pro Collect, they confirmed it was a duplicate charge as well but they will not doing anything. I have this recorded. The complex called the collection agency and got it removed, and changed the other first collection to the accurate amount ( {$400.00} ), I have this in email from the complexs regional manager. My credit report reflected the {$400.00}, but just this week went back up to the incorrect amount, {$1000.00}. The collection agent has yelled at me, demeaned me, I have attempted to tell her the situation she interrupted stating she doesnt want to hear my story just pay the debt, but the debt is false and I have proof it is false. Its coming to a point where I have to get a lawyer over this. My credit has been impacted unfairly once again over the apartments mistake, and the collection agencys mistake although with the malice ways of the specific collection agent working my debt account I feel she increased the amount on purpose. This was not a promotion or deal. My credit report from Pro Collect was changed to the correct amount ( {$400.00} ), this week it went up to ( {$1000.00} ). My credit score went down. How can a XXXX year old debt, from the same company, change multiple times with no emails or reasons explaining the change? They are just doing it and I have proof it is incorrect.
Product: Credit card

On XX/XX/year>, I made a payment from my XXXX XXXX XXXX checking account online into my Chase Credit Card of {$1500.00}. Everything was processed as usual including an additional payment of {$700.00} in the exact process. In XXXX, Chase showed my account missing the {$1500.00} payment saying it did not go through. Despite additional payments coming after the {$1500.00} payment, my primary XXXX XXXX XXXXXXXX checking account was also frozen for payments on this card. Since this time, I have spoken with Chase many times and submitted documents showing the transaction going through on XXXX XXXX XXXXXXXX and no reversals on the payment. I have submitted proof of bank account, proof of transaction being sent from XXXX, as well as Bank Statements proving no reversal ever happened directly from XXXX wth their letterhead. 

Despite every effort to prove this payment, almost 2 years later Chase has still not unfrozen the payment account or done anything to rectify the situation as every time they make me start the process over and say they can't do anything. During this time, the interest has continued to grow while I have not been able to make payments using my account.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite many correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

As I have reiterated multiple times, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. It is imperative that we take immediate and decisive action to rectify this situation and restore the accuracy and integrity of my credit report. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. These items should be removed XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XXXX, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday XXXX, a disturbing amount of calls and text messages to my cell began. By Thursday XXXX, I received over 100 calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned XXXX specifically. One mentioned XXXX XXXX ( the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at XXXX claims XXXX never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through XXXX, Experian and XXXX from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday afternoon. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

This company must remove and 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 : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX  .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. 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.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Checking or savings account

Wells Fargo sent me a bunch of confirmation emails thanking me for creating my account on XX/XX/2022. I never tried to open an account with Wells Fargo, and have never had any kind of business relationship with them. I called the bank and they instructed me that they were probably phishing emails and gave me an address to forward them to so their phishing team could look at them. It was not phishing, they had in fact opened an account in my name. I was able to get them to close the account, but it seems to me that the process they use to verify identity when opening a new account is severely lacking. Given their history of XXXX when opening accounts, I think there needs to be a thorough review of their account creation procedure, as it is now far too easy for someone to open an account in someone else 's name.
Product: Credit card or prepaid card

Due to medical issues I have been experiencing with a XXXX XXXX XXXX, I mistakenly missed paying an {$8.00} balance on my XXXX XXXX XXXX card that is issued by Comenity Bank. I paid it as soon as I realized the oversight. I was charged an almost {$9.00} late fee which I feel is unreasonable and unfair and possibly a UDAAP violation to charge double the balance for a fee. I emailed several times and the reps took several days to get back to me and advised me to call in. This month, they have now charged me a late fee on a late fee so the balance has grown to over {$24.00}. I contacted XXXX XXXX XXXX by phone and today spoke with a supervisor who was only willing to credit {$14.00}. They acknowledge my great payment history since XX/XX/XXXX with one exception of a courtesy late fee credit extended in XX/XX/XXXX. I manage this account as well as all of my accounts with Comenity perfectly. I do not think this is a fair way to treat a customer and very greedy for them to continue to charge me fees on a balance that only consists of fees, especially when the balance is so small. This issue is not worth the time it has taken for me to try to find someone to be reasonable with me and yet Comenity refuses to make an exception for a great customer and continues to quote their policy to me. I will not be using this card any longer.
Product: Credit reporting or other personal consumer reports

Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is XXXX XXXX representing a Debt that the Creditor XXXX XXXXXXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the Creditor XXXX XXXXXXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the XXXX Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a XXXX Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Inaccurate